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Discussion starter · #21 ·
I have to agree on Foremost. I had them on my last bike. Went down - left turn in front of me, you know the deal - bike was totalled. No fuss, no fight. The only issue was that I was under-covered for aftermarket access and work. My own fault. There is a built in 3500 allowance (if you can show the work). Anything beyond that adds to your premium. I just got coverage on an '11 custom. The bike is headed for some work and I should have her by May 1st. 10k worth of extra coverage added 70.00 to my coverage. Worth it IMO.
With State farm when I asked for extra coverage, I had to show them every reciept and they took a ton of pictures of the bike. With Foremost, so far they haven't asked for anything. I may call my agent up again and just double check that she doesn't need all my reciepts for proof incase something ever were to happen.
 
They did not ask for anything from me up front. After the accident they wanted to verify parts/work done. Not a huge deal. It was frustrating though with certain items i.e. Hawg wired speaks, sony radio, etc. 900.00 spent. Stock HD radio-speakers valued at 500.00. Paid the difference between the two after depreciation. They did the same thing with aftermarket exhaust and other items that replaced oem parts. BUT, they were fair and fast, not to mention good rates.
 
had my glide with progressive and then bought my ducati. Called my agent to get a quote and it would have been about 1700 a year for both !!! she told me she would get a quote from foremost. well, i now have BOTH of my bikes insured for about 50 bucks less per year than just my glide alone with progressive ! great savings.
 
I was with Geico, just for bike coverage for one year, then went to Foremost, and saved a bunch (25%) from Geico's rates. The I got smart, and asked for a quote for everything, cars, bike, homeowners, liability, etc, and when it was all in one place (currently American Family) the rates got WAY cheaper.

I also like the idea of one point of contact (local agent), and the additional leverage it provides me when I go to shop around for rates each year.
 
Oh Yeh + with Foremost

I had posted about Foremost last year, just some facts to keep in mind when you get your insurance. When I was hit by a deer Foremost covered the cost of my bike plus all my riding gear, helmet, boots, gloves, eye wear, etc.
Now something to keep in mind, Most insurances do not cover uninsured/ Under insured, The cost to add this is not as much as you think. also the insurance Co. only pays out $1000.00 in medical, do yourself a favor add $50,000 you are looking at another 75.00 a year good investment (I had two personal insurances and my bike insurance) the helicopter ride in it's self was $26,000, 3 days in ICU another $60,000, Dr's another 10,000. With insurance companies pulling the stuff they are it's worth thinking ahead. another $150 a year is well worth the cost if ya ever need it. Guys trust me, you don't want to get hit with these numbers they can break most of us. :eek:
 
I just swithced to Foremost today, they were the only company that did not exclude the wife on passanger coverage, 4 others siad Ms was 1 of 9 states they did not include relatives under the passanger coverage, They will cover your girfriend but not your wife...
Got a great rate and better coverage than I had for less money...
Thanks Chain for the tip..
 
USAA unceremoniuously stopped insuring bikes as u know - IF - u had a break in ownership. So they moved me to progressive which they insisted WOULD BE CHEAPER -- HAH !!! I saved $340 by going to FOREMOST thru AARP.
 
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