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Motorcycle Insurance Let's list our insurance companies here, what we pay them and if your experience with a certain company has been good or bad.

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post #1 of 24 (permalink) Old 11-24-2010, 10:35 AM Thread Starter
PGR
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How are you guys in the other threads paying that much? I have full coverage on THREE Harleys (Roadie, Softail, and Superglide), and I'm paying just over 300 bucks a year..... for all three.

Maybe it's where I live.

OK granted, I raised my deductible to 1K. But I have full replacement on the bikes and good limits on any damages incurred to others.

I just got a new quote, since I'm trading in my Softail and Roadie on a 2011 Roadie Custom. I will be paying about 52 bucks a year LESS to insure my wifes Superglide, and my new Roadie.

I was paying over 3 times that when I had Farmers.... so a little shopping around pays.

I moved the bikes and cars to progressive...... and then did a little negotiating with my Farmers agent, since he was freaking out that I was leaving, and got my homeowners rate cut almost in half, for the same coverage.








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post #2 of 24 (permalink) Old 11-24-2010, 10:51 AM
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Not all insurance policies are equal. In my case, I have an umbrella policy which requires higher limits than normal. I own my home and 2 businesses that I can't afford to loose if I ever get sued. I also live in Los Angeles so my premium is higher than someone who lives in an area with a lower crime rate. I use State Farm Insurance. I currently insure my Road Glide, Big Dog, C6 Corvette, Mercedes SLK and Jeep Grand Charokee. I get multi-car discounts as well as good driver discounts. My deductible is $1000.00 on each vehicle.

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post #3 of 24 (permalink) Old 11-24-2010, 10:59 AM Thread Starter
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Originally Posted by BDMastiff View Post
Not all insurance policies are equal. In my case, I have an umbrella policy which requires higher limits than normal. I own my home and 2 businesses that I can't afford to loose if I ever get sued. I also live in Los Angeles so my premium is higher than someone who lives in an area with a lower crime rate. I use State Farm Insurance. I currently insure my Road Glide, Big Dog, C6 Corvette, Mercedes SLK and Jeep Grand Charokee. I get multi-car discounts as well as good driver discounts. My deductible is $1000.00 on each vehicle.

There you go.... L.A. That explains that.

Where I live, I could park my bike in front of my house, unlocked, keys in the ignition, and it would still be there the next day.








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post #4 of 24 (permalink) Old 11-24-2010, 11:02 AM
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There you go.... L.A. That explains that.

Where I live, I could park my bike in front of my house, unlocked, keys in the ignition, and it would still be there the next day.
Funny. A friend of mine couldn't afford his payments. He parked his 05 Fatboy in a bad neighborhood with the keys on the bike and a cheap skid lid. Nobody would steel it.

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post #5 of 24 (permalink) Old 11-24-2010, 11:12 AM
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I've had Progressive on my bike since I bought it. I'm paying $350 a year for a 1998 RG. I've already called my agent to see what the deal is. My deductible is $500 but I can't see how you can do three bikes for less than I'm doing one. Thanks for posting this...you may have just triggered me into saving some $$$


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post #6 of 24 (permalink) Old 11-24-2010, 11:26 AM Thread Starter
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I've had Progressive on my bike since I bought it. I'm paying $350 a year for a 1998 RG. I've already called my agent to see what the deal is. My deductible is $500 but I can't see how you can do three bikes for less than I'm doing one. Thanks for posting this...you may have just triggered me into saving some $$$
I live in a town of 6000 people more or less... location, location, location.

I think where you live is a major factor, homeowner, driving record, etc. And I have NEVER, ever had an accident, or turned in a claim.

I just looked at my E-mails from Progressive.... the 3 bikes are $312 a year. They figure that my riding season is not the full year.

My 2 cars are $552 a year.

It may also make a difference if you use national rather than a local agent. It could be that the person you talk to at the national level, is on a flat rate salary, so isn't motivated by commission. Just a guess.








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Last edited by PGR; 11-24-2010 at 01:18 PM.
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post #7 of 24 (permalink) Old 11-24-2010, 05:18 PM
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I had progressive a few years ago and they up my rates from 600 to 900 for no
Reason ! No speeding tickets, no accidents nothing. So I dropped them

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post #8 of 24 (permalink) Old 11-24-2010, 06:07 PM
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some states have more competition for insurance and some are regulated and have price fixing some states wont allow price fixing the insurance biz is a rip off we should have free choice and real free markets (with health care as well !
Sorry some things hit my hot button
Ps I pay 523.00 for my bike in the great socialist state of Washington

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post #9 of 24 (permalink) Old 11-24-2010, 06:32 PM
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For a while all you could get in California was Progressive for bikes. Now we've got some competition again, so we can get some competitive rates. Because of that I've got a mix, Geico and Progressive. Progressive, as much as it annoys me, still has the best rates.

I also have Progressive on the chopper and they almost doubled my rate during the last go-around. The agent said they had a ton of claims on special constructions. Couldn't get anyone else to cover it in CA, so I've got the minimum and just grit my teeth and write the check. Then again, every time I see that annoying woman Flo on their TV commercials it makes me wish I had torn up that check.

What if the Hokey-Pokey really is what it's all about?
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post #10 of 24 (permalink) Old 11-24-2010, 06:40 PM
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It all comes down to how you're treated when it comes time to filing a claim. If you live in areas where you can actually ride year-round, in cities with populations over 50,000 people, with cops everywhere who need tickets to generate revenue.... you're probably going to get tickets/accidents. I have Nationwide and Safeco. Expensive (one ticket, one accident) ... but great service. But this post is making me a little more motivated to look around.

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