i started with hd insurance when i bought my first hd back in 2002. i've shopped rates periodically since and hd (progressive) has been the best every time.
in 17 years, i've had to make 4 claims. none of them were for collision, and they've treated me fairly every time and never raised my rates because of it.
one disadvantage for rate jumping, you do lose certain perks.
right now, i'm paying for $1000 deductible. but because i've been claim free for 4 years, i have a zero $ ded. unfortunately, because i had a claim last november, this june when i have to renew, i'll either have to pay for a lower deductible, or actually have a high deductible for a couple of years. but, they did treat me very good in resolving this claim. initial check for 2 grand and then after cleaning the bike up (deer guts, ewww) i discovered where the chrome on my front wheel had gotten gouged. they ponied up another grand without any argument.
I understand the concept of reality, but find it too confining for a way of life.
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