Motorcycle Insurance - Road Glide Forums
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.

Reply
 
LinkBack Thread Tools Display Modes
post #1 of 53 (permalink) Old 06-22-2013, 10:13 AM Thread Starter
Member
 
Join Date: Jul 2011
Location: Spanish Fort Al AKA L.A.
Posts: 723
Motorcycle Insurance

I was recently laid up for a few months due to having shoulder surgery. And we all know what happens when we cant ride...WE SHOP!

So still not able to go back to work but able to ride a little bit I got out of the house and went for a ride. My local HD had been closed down so I road to the next place with bikes on my way to the beaches.

I stopped by a Victory Dealer just to browse and must admit I like what I saw with the exception of the styling of the fairings. They had a Anti-Freeze Green Cross Country that I liked for the most part and got me to thinking.

So later in the week I checked my insurance to see what it would cost and for the same coverage there was only $1. difference for the year. Seriously? Mine is an 07, vs a 2013 $20,000+ bike and only $1. difference.

I chalked it up to repair cost and theft rates etc. After all who wants to steal a Victory?


I had thought I had a good rate as I was paying less than $100 per month for both mine and my wifes Fatboy for full coverage. I had recently sold her bike and my rate went down a jaw dropping $25. to $72. per month. They told me it was because I was loosing the multi-vehicle credit.

Now I had been with Progressive for a number of years , was a Diamond member with a spotless record as for being at fault. I am a "mature driver" so should be getting great rates.

Well the whole Victory thing got me to thinking so I called GEICO just to compare rates.

GEICO rated me at $350. per year vs $865 for PROGRESSIVE and that is with higher coverage amounts with GEICO. If I had quoted Apples for Apples the savings would be even more.


I am in the process of checking my auto insurance as it seems they are going to save me about another $25. per month of $300 per year on that. Need to talk to a live person about the motorcycle discount with auto insurance combined.

I am so P. O'd' at PROGRESSIVE as they could have lowered my rate accordingly when I re-quoted after selling my wife's bike. And then they had the nerve to try to save the account by offering me better rates...

I HATE THE FACT THAT MOST COMPANIES WILL SCREW YOU JUST AS MUCH AS THEY CAN... SO BUYER BE WARE AND CHECK YOUR RATES OFTEN, NOT ONLY FOR INSURANCE BUT TELEPHONE, CABLE, ETC, .

Tom
Lord Help me to be the Man my Dog thinks I am!

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

Last edited by TearlessTom; 06-22-2013 at 10:18 AM.
TearlessTom is offline  
Sponsored Links
Advertisement
 
post #2 of 53 (permalink) Old 06-22-2013, 10:48 AM
Hangaround
 
Join Date: May 2011
Posts: 74
When I sold my VN750, leaving just the FLTRU on that policy, Progressive literally doubled my total premium. Obviously, a couple of phone calls ensued forthwith and that policy did not remain in effect much longer.

2011 FLTRU

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
IMBoring25 is offline  
post #3 of 53 (permalink) Old 06-22-2013, 11:17 AM Thread Starter
Member
 
Join Date: Jul 2011
Location: Spanish Fort Al AKA L.A.
Posts: 723
Okay I just got off the line with GEICO and I get an additional 5% for moving my car insurance over so now it is $332. per year for better coverage.

So by switching both policies I am saving $780 per year or $65 per month... which is pretty sweet since my wife has decided to take an early retirement and we are a 1 income family now.

Tom
Lord Help me to be the Man my Dog thinks I am!

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
TearlessTom is offline  
 
post #4 of 53 (permalink) Old 06-22-2013, 11:51 AM
Grey beard
 
mmfinn's Avatar
 
Join Date: May 2013
Location: St. Louis, MO
Posts: 1,420
I have state farm for all of my cars and bikes. For my brand new RGC it is under $300 per year. Granted I am an older driver LOL.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
2013 RGC Candy Orange, 2005 Deuce (Traded), 1991 Sportster (sold),1948 Pan Head Hard Tail (sold and wish I didn't),1971 Honda 500 Four (original owner), Too many more to mention
mmfinn is offline  
post #5 of 53 (permalink) Old 06-22-2013, 11:51 AM
Member
 
spokanebagfan's Avatar
 
Join Date: Mar 2012
Location: Spokane Washington
Posts: 569
Yeah my rate is about 320 a year and that is with a speeding ticket for really good coverage. Progressive wanted more than 500 a year and they tried to bash geico and get me to buy the policy. Crazy shit.
spokanebagfan is offline  
post #6 of 53 (permalink) Old 06-22-2013, 01:42 PM
Member
 
CSM11's Avatar
 
Join Date: Feb 2011
Location: Middle TN
Posts: 410
I have had State Farm for over 30 years, got a good rate on my bike 350.00 a year for 100.00 deductible. Besides that I would drive uninsured before I ever gave a penny to Progressive. Always shop around!
CSM11 is offline  
post #7 of 53 (permalink) Old 06-22-2013, 03:30 PM
Administrator
 
JacktheBagger's Avatar
 
Join Date: Apr 2010
Location: Bama
Posts: 9,355
Garage
said this before here , wouldn't have Progressive or Geico if they were free

Dairyland on the scoots for years , everything else is Farmers

JtB

So Many Highways So Little Time
2011 Ultra
JacktheBagger is offline  
post #8 of 53 (permalink) Old 06-22-2013, 03:55 PM Thread Starter
Member
 
Join Date: Jul 2011
Location: Spanish Fort Al AKA L.A.
Posts: 723
Quote:
Originally Posted by JacktheBagger View Post
said this before here , wouldn't have Progressive or Geico if they were free

Dairyland on the scoots for years , everything else is Farmers

JtB
I had farmers on the cars and it was $300 more per year.

Dairyland quoted me $220 more per year for the same coverage on the bike, almost as much as Progressive.

Tom
Lord Help me to be the Man my Dog thinks I am!

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
TearlessTom is offline  
post #9 of 53 (permalink) Old 06-22-2013, 04:11 PM
Administrator
 
JacktheBagger's Avatar
 
Join Date: Apr 2010
Location: Bama
Posts: 9,355
Garage
We've had Farmers for years and living in the country with no "City" fire protection , there are two rates in Alabama , one under five miles from the VFD , the other over five miles ( which is double the under five mile rate ) , we were over by about a 1000' ..

Our homeowners was over 3 bills per month with Farmers .. I bitched , but to no avail of course ..

Our house burned to the ground May 4 2007 ( Friday ) , we had our house check in hand the following Thursday .. The contents money we had within two weeks of filing the contents claims ..

I learned a lesson there , I'm not concerned about the premium , I wanna know what you're gonna do when I file a claim ..

We have a new house on top of the old one and still have Farmers along for the ride .. And a satellite VFD a half mile up the road so we don't get hit with double the premium

JtB

So Many Highways So Little Time
2011 Ultra
JacktheBagger is offline  
post #10 of 53 (permalink) Old 06-22-2013, 04:31 PM Thread Starter
Member
 
Join Date: Jul 2011
Location: Spanish Fort Al AKA L.A.
Posts: 723
True you never really know what your getting until you make a claim.

I had a couple claims with Progressive and they were always very fair I have no complaints. But over double the premium I will take my chances with another major carrier.

As with Farmers I had no complaints but I also had no claims. My last auto claim was nearly 30 years ago and it was not my fault. My last at fault accident was 40 years ago when I was 17.

Tom
Lord Help me to be the Man my Dog thinks I am!

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
TearlessTom is offline  
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Road Glide Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Similar Threads
Thread Thread Starter Forum Replies Last Post
Why is car insurance so much more than bike insurance? twowheeladdict General Off-Topic Discussions 18 01-03-2018 11:59 AM
My work/Motorcycle show/camping motorcycle trailer. FastHarley General Off-Topic Discussions 17 05-25-2016 01:07 PM
Vote For Motorcycle.comís Readerís Choice Motorcycle Of The Year Motorcycle.com *General Road Glide Discussions/Pictures 0 12-19-2014 03:44 PM
Markel Insurance BillyBob Motorcycle Insurance 18 07-21-2012 09:13 AM
Best Roadside Assistance Insurance joke General Off-Topic Discussions 7 12-22-2010 06:12 PM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome