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 Insurance for two wheelers

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john grinsel
Rubber band guru
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Number of posts : 2611
Age : 79
Points : 6540
Registration date : 2009-08-18

PostSubject: Insurance for two wheelers   Tue Oct 09, 2018 6:39 am

Dec =time to renew insurance on my CB300F-----I think it pays to shop around to end up with fair priced insurance-----last year GEICO wanted $600 for full coverage on my bike....they rated it as sports bike---this year it is rated different maybe $350 annual.

With only liability/comprehensive I used Allstate for $104 annual, this year that policy re-news for $90.   As TN is high cost Insurance state, this is good price.  I do not need full coverage, bike is paid for, maybe used value of $2000----if I dump it, etc, i am willing to eat repair costs .

Several years ago, SilverWing, USAA lured me with nice low cost for bike, then at re-new time...rate went up to $800...I dropped them. So you need to watch out.

Note: I do not need medical payment---as I have 3 medical insurances,so do not worry about that area.

I have never made insurance claim in 65 years of riding.
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bikerboy
Touring Scooter Rider
Touring Scooter Rider


Number of posts : 378
Age : 75
Location : Leyland England
Points : 3177
Registration date : 2011-05-12

PostSubject: Re: Insurance for two wheelers   Tue Oct 09, 2018 6:46 am

It's the same the world around. There is no reward for loyalty except to get screwed over. The UK government is looking into this at the moment but I'm not holding my breath waiting for a result that favours the customer!
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bikehiker
Super Scooter Rider
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Number of posts : 278
Location : New Cumberland PA
Points : 851
Registration date : 2017-09-07

PostSubject: Re: Insurance for two wheelers   Tue Oct 09, 2018 2:26 pm

I have Progressive who treated me great after a spill on my BMW F800 ST. Annual had been a little over $100 US, even AFTER my expensive spill and large damage payout. Like Harleys, everything on a BMW is about 5 times standard cost. Progressive even gives reimbursement for accessories (even my cheap $100 canvass saddle bags).

I was surprised to see my new annual bill when I switched to the SWing: up $50 more (to about $150 annual) for a bike that's 200 cc's smaller (though about 100+ pounds heavier). Maybe it's the additional plastic on the SWing. Maybe their previous payout to me got registered and finally recognized. But I'm still ahead with Progressive. So far, they have treated me well. They also gave me free roadside assistance for having been a customer for over 10 years.
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Easyrider
Silver Wing Expert
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Number of posts : 662
Age : 68
Location : HI
Points : 1817
Registration date : 2015-12-18

PostSubject: Re: Insurance for two wheelers   Tue Oct 09, 2018 3:34 pm

Bikehiker,
+ for Progressive insurance. I just placed my 2004 Swing in storage and dropped a lot of coverages. Net policy cost $75 for today thru August 9, 2019. Reduced my liability, Max my deductible, removed medical coverage. Bike in storage and do not need the coverages.
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Mech 1 twa
Silver Wing Rider
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Number of posts : 428
Location : Allentown PA.
Points : 1562
Registration date : 2016-01-02

PostSubject: Re: Insurance for two wheelers   Tue Oct 09, 2018 8:38 pm

+3 on Progressive. Good rates for last 3 years no increase and the more bikes you have its cheaper. Odd thing is I sold one bike and rates went up $17 and it was the oldest one.  Question

Never made a claim and hope I never have to.  Edit GO with FLO
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cube
Scooter Rider
Scooter Rider


Number of posts : 48
Location : Colorado
Points : 238
Registration date : 2018-06-14

PostSubject: Re: Insurance for two wheelers   Wed Oct 10, 2018 1:03 am

+1 on Progressive here too.. over 15 years with them.

I have to loudly recommend people avoid State Farm. Rates aren't bad, but the Claims department is horrible for bikes. I'm still fighting with them over the fiancee's bike... they state that it's only worth $2800 for a 2007 with less than 3k miles "based on comps on CycleTrader" and will only give me $2200 "and let me keep the bike". Maybe to them that's fair, but I'm planning on moving all my insurance as soon as I settle the claim.
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GHM-PM
Site Admin
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Number of posts : 1469
Age : 66
Location : Wickenburg, AZ
Points : 4036
Registration date : 2012-05-17

PostSubject: Re: Insurance for two wheelers   Wed Oct 10, 2018 8:06 am

I tried USAA/Progressive and they were OK until renewal then the rate went through the roof. USAA doesn't offer motorcycle they hand off to Progressive. I have now been with Dairyland for 5 years and they keep the rates low so I am happy:

https://www.dairylandinsurance.com/motorcycle?gclid=Cj0KCQjwxvbdBRC0ARIsAKmec9YvS3-1tHqJUcvZd6DpoQrrUQ9iVfRzzvU6sYeyVq4MwRuZp-XYpF4aAsiAEALw_wcB

One caveat, CALL for a quote do not do online. They can get you better discounts if you actually TALK to them. Good luck.
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lewjayjr
Scooter Rider
Scooter Rider


Number of posts : 30
Location : Warm Springs, Ga.
Points : 454
Registration date : 2017-11-02

PostSubject: Re: Insurance for two wheelers   Wed Oct 10, 2018 3:19 pm

I have mine with Foremost thru AARP. Been pretty reasonable and I have never had a claim against them.
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sc00ter
Scooter Rider
Scooter Rider


Number of posts : 33
Location : Norfolk, VA
Points : 192
Registration date : 2018-07-16

PostSubject: Re: Insurance for two wheelers   Wed Oct 10, 2018 10:52 pm

Progressive here. So far, so good. But I plan to shop around and try to get a better deal when I decide to combine my homeowners and auto/bike policies. My homeowners insurance is still thru Allstate but I want to drop them because they are expen$ive and have terrible customer service. Funny thing to note about Progressive. The more bikes you have the better price. I added my 98 Yamaha Zuma, yes- a moped, for a whopping $20 a year and my overall savings are easily 5 times that now for a multiple (3 scooters) policy!
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exavid
Silver Wing Guru
Silver Wing Guru
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Number of posts : 2170
Age : 75
Location : Medford, Oregon
Points : 5724
Registration date : 2009-07-17

PostSubject: Re: Insurance for two wheelers   Sat Oct 13, 2018 1:17 am

Yep, me too, been with Flo for awhile now. She's providing insurance for my bikes, cars and house. So far so good. They were real good getting a tow truck to me in the mountains around here when my old Jeep TJ blew the top off it's radiator due to a defective radiator cap.
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joebillybobinark
Scooter Rider
Scooter Rider


Number of posts : 73
Location : benton, ar
Points : 698
Registration date : 2017-04-19

PostSubject: Re: Insurance for two wheelers   Sat Oct 13, 2018 2:51 am

i have three total scoots ('13 swing, '12 swing and k7 burgie 400)

thru geico I pay $48/month..

I might need to shop around!!!
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