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[vanity] Who's your motorcycle insurer?
marty_fierro

Posted on 06/24/2003 7:19:49 PM PDT by martin_fierro

Well, State Farm has jacked my premiums up for the third time in a row, even though I haven't changed my riding patterns, had any accidents, nor made any claims.

I'm looking for another insurer.

What insurance companies do people use, how happy with them are you, and (if you want to disclose it) what do you pay for given coverage amounts every 6 months?


TOPICS: Chit/Chat; Miscellaneous
KEYWORDS: faq; insurance; motorcycle; motorcyclelist

1 posted on 06/24/2003 7:19:50 PM PDT by martin_fierro
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To: *Motorcycle list; 68 grunt; A Navy Vet; angry elephant; archy; Askel5; baddog1; basil; beowolf; ...
It takes a secure man to ride a fuschia bike. FReeper Motorcycle Hooligan
Send FReepmail if you want on/off FMH list

2 posted on 06/24/2003 7:20:45 PM PDT by martin_fierro (A v v n c v l v s M a x i m v s)
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To: martin_fierro
Good Evening Martin-

Currently insured by State Farm Insurance for my pristine Honda CBR 600F2. Used to have them for my automobile insurance, but was fortunate to be able to switch to New Jersey Manufacturers for that coverage last month.

State Farm Insurance is a horrible company. My mint-condition motorcycle is over ten years old, no claims, no tickets, and I even moved to a "safer" address...yet my premium is GREATER now than what it was a decade ago.

Thanks for reminding me about dumping those scumbags.

~ Blue Jays ~

3 posted on 06/24/2003 8:05:39 PM PDT by Blue Jays
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To: martin_fierro
I just renewed at $163 for a year with Progressive (through Harley Owners Group). It's cheaper here in Washington than it was in California (something to do with it being parked for eight months out of the year up here, I guess) but even in California I found my rates were good.

I have a 2001 Harley Sportster. Good luck in your search for a new insurer!
4 posted on 06/24/2003 8:11:37 PM PDT by SandyInSeattle (Tag Line Expired: Resubmit)
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To: martin_fierro
I recommend Progressive. To me, the proof is in the pudding. Low cost doesn't mean squat if they screw you when you have a claim. I had an accident, Progressive has been great at taking care of both the medical bills and damage to my bike. I like them so much, I'll probably switch my auto insurance to them at renewal.
5 posted on 06/24/2003 8:58:22 PM PDT by TopDog2 (Deer are a menace...wipe them out!)
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To: martin_fierro
I use Geico I have had them for 10 yrs this yr all rates went up ( I insure my cars and trucks along with my bike with them)
My bike a 1998 Vulcan Classic 800 is insuranced to the hilt. 0 deductable cost about $600 per yr.
I suppose I could get basic insurance for less then $200 per yr but I'm not complaining
6 posted on 06/24/2003 9:20:32 PM PDT by Gone_Postal
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To: martin_fierro
I'm with Progressive and have had one claim, minor damage, my fault, and I wasn't penalized too badly. ST1100, $460 a year, full coverage, LAlaland.
7 posted on 06/24/2003 10:23:38 PM PDT by 68 grunt (3/1 India, 3rd, 0311, 68-69)
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To: SandyInSeattle
parked for eight months out of the year up here

When you commute via ferry, two-wheels is the only way to go, year round. Of course, we only see the Harleys from May to October....wimps.

8 posted on 06/25/2003 3:34:18 AM PDT by j_tull (# grep "truth" "Living History" > truth.txt ; wc truth.txt <cr> 0)
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To: martin_fierro
I just moved to CT from Washington, my State Farm rates doubled! Now $445 /year $500 deductible. sux.
9 posted on 06/25/2003 3:36:13 AM PDT by j_tull (# grep "truth" "Living History" > truth.txt ; wc truth.txt <cr> 0)
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To: martin_fierro
just went to progressive's web site and put in for a quote - they are $300 higher than Patriot General, whom I have now.
10 posted on 06/25/2003 4:41:31 AM PDT by camle (no fool like a damned fool)
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To: martin_fierro
Progressive

I need to make a claim. I told them I was doing the work and they waved my deducible.

11 posted on 06/25/2003 5:24:57 AM PDT by bmwcyle (Here's to Hillary's book sinking like the Clinton 2000 economy)
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To: martin_fierro
State Farm. From some of these posts it looks like I need to shop it.
12 posted on 06/25/2003 6:40:41 AM PDT by MileHi
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To: martin_fierro
I have Mendota Insurance, and pay about $225 per year for full coverage on a 1994 Kawasaki Vulcan 1500.
13 posted on 06/25/2003 7:06:59 AM PDT by Johnny Gage (We will not tire, We will not falter, We will not fail. - George W. Bush)
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To: martin_fierro
hubby has had USAA for years. We're in VA.

We pay about $1500.00 total per year for full coverage (incl road side assistance & rental car) on all our vehicles

2000 Pontiac Bonneville
1995 Safari GMC Van
1996 Harley Davidson XL1200CC

Luv USAA and never had any problems with them.
14 posted on 06/25/2003 7:48:11 AM PDT by MudPuppy (Semper Fidelis!)
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To: j_tull
Ouch!

Okay, okay, I'm a recreational rider and prefer not to have my fingers get frostbite while I'm riding. :)

15 posted on 06/25/2003 8:12:07 AM PDT by SandyInSeattle (Tag Line Expired: Resubmit)
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To: camle
"just went to progressive's web site and put in for a quote - they are $300 higher than Patriot General, whom I have now."

I got a hideously high quote from Progressive's website, but by going through the Harley Owners Group I got a very good rate. Same thing with my autos, very high from Progressive and Geico on the website.
16 posted on 06/25/2003 8:14:24 AM PDT by SandyInSeattle (Tag Line Expired: Resubmit)
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To: SandyInSeattle
Just did as you ask. WOW!! less than half.
17 posted on 06/25/2003 8:34:16 AM PDT by camle (no fool like a damned fool)
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To: martin_fierro
I use Nationwide, I have a 98 Ninja 250, no points, and I'm 25, I pay $300.00 a year for my bike. But, I have student, safe driver, and muiti-car discount.
18 posted on 06/25/2003 8:49:15 AM PDT by photogirl (Go faster, or get out of my way...)
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To: martin_fierro
We are with Geico. We have a 98 BMW and pay about $430 per year.
19 posted on 06/25/2003 8:54:59 AM PDT by Grammy
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To: SandyInSeattle
Don't worry Sandy, we give the same cr*p to the Harley riders face-to-face, (when they show up). Keep the shiny side up!
20 posted on 06/25/2003 9:43:38 AM PDT by j_tull (# grep "truth" "Living History" > truth.txt ; wc truth.txt <cr> 0)
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To: martin_fierro
That's nothing. Any of you guys carry insurance for aircraft, even a C-152?

Talk about breakin' ya.

21 posted on 06/25/2003 11:41:38 AM PDT by banjo joe
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To: banjo joe
$55 per month thru USAA. Two cars, two Harleys, and a house on the same policy. I was disapointed (and stranded) to find out they don't cover road side assistance for bikes. This is for full coverage on a FLHTC and the wifes Hugger.

By the way, metric riders, I rode year round in Germany, have pictures of snow on my bike at a Christmas toy run, and went from K-town to Stuggart in 23 degree weather. Only yuppies store their bikes:)
22 posted on 06/25/2003 12:10:19 PM PDT by GeezerGlide (Goldwater Conservative)
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To: j_tull
I'm laughing because I think you may be on to something. I see quite a few motorcycles heading down towards the ferry while I'm walking to the train in the afternoon, and the Harleys are few and far between. Mostly sport bikes and Yammmerhaws. Maybe we just don't want our precious babies assaulted by sea air while crossing Elliot Bay...?
23 posted on 06/25/2003 3:47:10 PM PDT by SandyInSeattle (Tag Line Expired: Resubmit)
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To: GeezerGlide
Really? We're with USAA for a house, two cars, and my husband's Harley, and they're hitting us for about $1400 every six months. No tickets, no accidents. Must be a geographical thing? Maybe?
24 posted on 06/25/2003 3:50:25 PM PDT by SandyInSeattle (Tag Line Expired: Resubmit)
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To: j_tull
. . . we only see the Harleys from May to October....wimps.
25 posted on 06/27/2003 9:05:42 PM PDT by BraveMan
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To: MileHi
I use BikeLine.com. Have for the last seven years. 1995 Honda Nighthawk was around 200 a year, and '95 Vulcan 1500A was about the same.

Am currently insured for a 2003 Concours, and is 400 a year.

Farm Bureau wanted 300 every three months for the Honda (after telling me they really didn't want to insure a motorcyle anyway). I have tried quotes from Progressive, but they were all higher than that of bikeLine. Never had to actually use it (fingers still crossed) but have had friends who have and had little to no hassle.
26 posted on 08/06/2004 5:35:09 PM PDT by Freewheel
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