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.

 
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post #1 of 9 (permalink) Old 09-23-2013, 07:46 AM Thread Starter
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Just wondering who everyone has for Insurance. Since I just switched out of the HD Insurance. I had figured that it's Progressive, and they have a HOG discount. Well, after some actual shopping, I found Progressive without the HOG discount was $50 cheaper than with the HOG discount. So I did some more shopping....

I found that three other companies, with LOWER deductible, yes LOWER deductibles and Increased coverages, were nearly HALF the cost of the Progressive with the HOG "discount"

The winner for me was State Farm.

And I though I only overpaid for HD Parts.

2018 CVO Road Glide, Black Earth/Vivid Black
Fuel Moto Road & Track 2 into 1, Fuel Moto custom K & N Air Cleaner, Redshift 468 cam, Power Vision.
2003 Super Glide 100th Anniversary Edition
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post #2 of 9 (permalink) Old 09-23-2013, 07:49 AM
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My winner has been Markel American / www.bike-line.com and it depends a lot on where and who you are - no one company is the best deal for everyone.
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post #3 of 9 (permalink) Old 09-23-2013, 07:53 AM
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It has a lot to do with individual states and their regulations.
A price from one company, in one state, may be completely different in another state.
Just the typical confusing and frustrating insurance industry.
Don't forget that all coverage is not the same either.
Some companies will fight tooth and nail over small issues, or worst, not pay for returning the bike to original condition.
Case in point, repainting ( or replacing ) a CVO bike's metal parts.
The company you mentioned fought to just repaint one item instead of replacing the item from MCO factory paint shop.

For insurance companies, it's all dollars and profits !

in my garage now...
2007 Dyna Screamin Eagle ... SOLD !
2011 RGU Merlot SunGlo
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post #4 of 9 (permalink) Old 09-23-2013, 08:04 AM
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Quote:
Originally Posted by jchar27 View Post
Just wondering who everyone has for Insurance. Since I just switched out of the HD Insurance. I had figured that it's Progressive, and they have a HOG discount. Well, after some actual shopping, I found Progressive without the HOG discount was $50 cheaper than with the HOG discount. So I did some more shopping....

I found that three other companies, with LOWER deductible, yes LOWER deductibles and Increased coverages, were nearly HALF the cost of the Progressive with the HOG "discount"

The winner for me was State Farm.

And I though I only overpaid for HD Parts.
You have learned the value of shopping around. There are so many variables with everyone's situation, not to mention that where you live makes a big difference as well. As TLWiz INDICATED, what's good for one of us may not be good for someone else even in very similar circumstances.

I had State Farm for my cages for many years; however, when I bought a bike after many years of not having a bike State Farm was way high on the bike. Switched to Geico and saved a lot. Then Geio p***ed me off (long story) and I switched to Dairyland but only briefly as they couldn't cover our cages with any reasonable rate (Dairyland said they only sell "high risk" auto insurance which means low coverage & high rates). Went back to State Farm and they are now reasonable with bike rates--plus we saved a lot on umbrella and auto policies by having everything with them. There is a lot to be said for "bundling".

Oh, and when I had Geico I checked with Progressive. Progressive quoted me a rate MORE THAN 3 TIMES HIGHER THAN WHAT I WAS PAYING GEICO.
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post #5 of 9 (permalink) Old 09-23-2013, 08:43 AM
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My State Farm agent told me last week that their low motorcycle rates pull in more new customers for them than any other single item. He did mention it had something to do with Iowa's regulations.

2015 RGU CVO........under continuous change......
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post #6 of 9 (permalink) Old 09-23-2013, 11:14 AM
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All coverages not equal

Hey guys, I am an independent insurance agent, here in Texas. And the most important thing about price depends on what type of coverages they are offering. For example the basic package that Progressive and Dairyland are quite different. I have found that the Dairyland package includes higher limits, however, you can increase progressive to match.

I represent 5 different companies that offer motorcycle coverages and everytime I quote someone, I get different numbers for each individual customer, so we always shop to find the best coverages at a competitive price. There are no 2 customers exactly the same.
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post #7 of 9 (permalink) Old 09-23-2013, 11:52 AM
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I have an independent agent as well and ran DairyLand for several years because I needed a SR22 for letting the insurance lapse while I had one of the MC in storage. (Really stupid AZ law). Then I did the 2003 Heritage Softail Trike conversion, the accessory add with DairyLand was extreme. Now I have Progressive but even that is extreme to fully insure that Trike and my declared value on the 1983 FXDG, 80th Anniversary Edition. I will be shopping again probably without my independent agent as that was the best she could do for me.

I tried haggerty but they would not insure the trike at all.

State Farm is blitzing the air waves here claiming much reduced rates, might be a good first shot.

I have the cars with Travellers, and those rates are very good, but no MC coverage offered.

1982 FLT Virgin unmolested barn find.
1983 FXDG 80th Anniversary AKA Willie G Disc Glide, 10.5 to 1, Andrews B grind, 2002 Fat boy carb, Barnett Clutch, drag pipes.
2003 FLTSCI Black and Silver converted with Motor Trike Kit plus HD tour pak, 88 inch, HD 204 Cam, Vance & Hines mid shots.
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post #8 of 9 (permalink) Old 09-23-2013, 01:23 PM
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Quote:
Originally Posted by AzHogRider View Post
State Farm is blitzing the air waves here claiming much reduced rates, might be a good first shot.

I have the cars with Travellers, and those rates are very good, but no MC coverage offered.
If you contact State Farm, or anyone else for that matter, for a quote on your bike get them to shoot you another quote on your cages and then a re-quote on what the bike would cost if you also insured the cages with them. "Bundling" with one insurer will get you their best rates.
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post #9 of 9 (permalink) Old 09-30-2013, 09:46 PM
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Finally got around to shopping different rates. Had Progressive until now and was paying way to much, over $1800.00 a year for both bikes. Allstate would have been just over $1080.00 for both but Dairyland turned out to be the best at $897.00 per year.

Same coverages and deducts. It definitely pays to shop around. I found it odd that none of the companies I tried could match my car insurance through Farmers but I ain't done looking there quite yet.


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