Originally Posted by 2016CTRoadGlide
I received a quote from HD Insurance. Much cheaper, you are entered in a raffle for a $5,000 gift card if you get a quote. My current insurance policy has total replacement until the 2 year anniversary for my 2017 RGS (October 2018) that they could not offer. I will probably switch over at that time. I also have Progressive through USAA.
i've had progressive through hd since i first started riding back in 2002. and i've always gotten new bike replacement from them, 7 different bikes. never had to use it
i've gotten quotes from progressive direct, progressive through usaa, and from other companies as well. none have come close to what i pay through hd.
there are a few things that you can do to reduce your rate. first, you've got disappearing deductible. so raise that. each year it drops 25%, so i've got it set for $1000, but right now it is zero. now, if i make a claim, it'll jump back up to $1000 on renewal, but i'm good for now.
also, if you pay your premium in full, you get a discount. now, i don't like to lay out that kind of money at one time if i don't have to, so i pay through paypal. if you have paypal credit, you pay your premium in full, receiving the discount, and then paypal gives you 6 months to pay with no interest. works for me.
also, take a realistic look at your accessory coverage. they give you $3000 gratis up front. on my cvo, that's plenty. but on the wife's bike, i had to up it to $10,000. and that will bump up your rate some as well.