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Discussion Starter #1
How are you guys in the other threads paying that much? I have full coverage on THREE Harleys (Roadie, Softail, and Superglide), and I'm paying just over 300 bucks a year..... for all three.

Maybe it's where I live.

OK granted, I raised my deductible to 1K. But I have full replacement on the bikes and good limits on any damages incurred to others.

I just got a new quote, since I'm trading in my Softail and Roadie on a 2011 Roadie Custom. I will be paying about 52 bucks a year LESS to insure my wifes Superglide, and my new Roadie.

I was paying over 3 times that when I had Farmers.... so a little shopping around pays.

I moved the bikes and cars to progressive...... and then did a little negotiating with my Farmers agent, since he was freaking out that I was leaving, and got my homeowners rate cut almost in half, for the same coverage.
 

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Not all insurance policies are equal. In my case, I have an umbrella policy which requires higher limits than normal. I own my home and 2 businesses that I can't afford to loose if I ever get sued. I also live in Los Angeles so my premium is higher than someone who lives in an area with a lower crime rate. I use State Farm Insurance. I currently insure my Road Glide, Big Dog, C6 Corvette, Mercedes SLK and Jeep Grand Charokee. I get multi-car discounts as well as good driver discounts. My deductible is $1000.00 on each vehicle.
 

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GONE BUT NOT FORGOTTEN
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Discussion Starter #3
Not all insurance policies are equal. In my case, I have an umbrella policy which requires higher limits than normal. I own my home and 2 businesses that I can't afford to loose if I ever get sued. I also live in Los Angeles so my premium is higher than someone who lives in an area with a lower crime rate. I use State Farm Insurance. I currently insure my Road Glide, Big Dog, C6 Corvette, Mercedes SLK and Jeep Grand Charokee. I get multi-car discounts as well as good driver discounts. My deductible is $1000.00 on each vehicle.

There you go.... L.A. That explains that.

Where I live, I could park my bike in front of my house, unlocked, keys in the ignition, and it would still be there the next day.
 

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There you go.... L.A. That explains that.

Where I live, I could park my bike in front of my house, unlocked, keys in the ignition, and it would still be there the next day.
Funny. A friend of mine couldn't afford his payments. He parked his 05 Fatboy in a bad neighborhood with the keys on the bike and a cheap skid lid. Nobody would steel it. :D
 

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I've had Progressive on my bike since I bought it. I'm paying $350 a year for a 1998 RG. I've already called my agent to see what the deal is. My deductible is $500 but I can't see how you can do three bikes for less than I'm doing one. Thanks for posting this...you may have just triggered me into saving some $$$
 

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Discussion Starter #6 (Edited)
I've had Progressive on my bike since I bought it. I'm paying $350 a year for a 1998 RG. I've already called my agent to see what the deal is. My deductible is $500 but I can't see how you can do three bikes for less than I'm doing one. Thanks for posting this...you may have just triggered me into saving some $$$
I live in a town of 6000 people more or less... location, location, location.

I think where you live is a major factor, homeowner, driving record, etc. And I have NEVER, ever had an accident, or turned in a claim.

I just looked at my E-mails from Progressive.... the 3 bikes are $312 a year. They figure that my riding season is not the full year.

My 2 cars are $552 a year.

It may also make a difference if you use national rather than a local agent. It could be that the person you talk to at the national level, is on a flat rate salary, so isn't motivated by commission. Just a guess.
 

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some states have more competition for insurance and some are regulated and have price fixing some states wont allow price fixing the insurance biz is a rip off we should have free choice and real free markets (with health care as well !
Sorry some things hit my hot button
Ps I pay 523.00 for my bike in the great socialist state of Washington :cool:
 

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For a while all you could get in California was Progressive for bikes. Now we've got some competition again, so we can get some competitive rates. Because of that I've got a mix, Geico and Progressive. Progressive, as much as it annoys me, still has the best rates.

I also have Progressive on the chopper and they almost doubled my rate during the last go-around. The agent said they had a ton of claims on special constructions. Couldn't get anyone else to cover it in CA, so I've got the minimum and just grit my teeth and write the check. Then again, every time I see that annoying woman Flo on their TV commercials it makes me wish I had torn up that check.:mad:
 

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It all comes down to how you're treated when it comes time to filing a claim. If you live in areas where you can actually ride year-round, in cities with populations over 50,000 people, with cops everywhere who need tickets to generate revenue.... you're probably going to get tickets/accidents. I have Nationwide and Safeco. Expensive (one ticket, one accident) ... but great service. But this post is making me a little more motivated to look around.
 

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have had farmers on the home and vehicles for about fifteen years . we had a total loss house fire three and a half years ago , and farmers came thru fast real fast ..

we are out in the country and are served by a VFD , so rates are higher , and I will never b***** about high premiums again on the house , and no they didnt drop us like a hot tater after the loss ..

Bikes used to be with farmers , right now with dairyland ..

MH is with Progressive , and they are owned by one of the most left wing people in the country
 

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I had Progressive on my 07 Road King and last year they raised it to $700 a year with $500 Deductable. When I purchased the 2011 RGU they raised it to $1100 a year at $1000 Deductable. Both these quotes are with Uninsured Motorist. I shopped around and found the same coverage for $575 with $500 deductable from American Family Home Insurance Co. out of Florida. I have used Progressive for the last sereral years but not anymore!
 

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I have Progressive, have a 500$ deductible, and my policy runs $ 865/yr. That's with multi-car discount. I'm in Cleveland, and the theft rate here is pretty high.
 

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Mine is $255 a year (2010 FLTRX).

This is all I have insured with them, Everything else is thru USAA, so no multi vehicle discount here. But I do believe there is a contract between USAA and Progressive because I called USAA initially and they transfered me to them. And now when I call they answer "Progessive for USAA customers"

The actual policy coverages and amounts have a lot to do with the price too. But my deductible is only $500.


Ricky
 

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I have my auto, rv, life, and professional insurance through USAA, and my MC insurance through usaa/progressive. Only $275 for comprehensive for my '07 1200 sporty custom.

They want $1250 for my new 2012 RGU. That's with a bunch of discounts and $1000 deductibles...seems really high to me...


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I am here: http://maps.google.com/maps?ll=32.720219,-97.168545
 

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I have everything through State Farm. Insurance for my 2010 Glide and my wife's 2009 Sportster is just under $38 per month. Progressive was cheaper in the beginning but SF lowered my premium this year.
 

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State Farm, '11 RGU, $1000 deductible, no accidents, no tickets etc, $164/year, which is $20/year higher than my '01 Ultra Classic

Your credit rating weighs heavily on your insurance rates.
 
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