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 Insurance rate increased 400%

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the7smiths
Scooter Rider
Scooter Rider
the7smiths

Number of posts : 33
Location : Utah, USA
Points : 3644
Registration date : 2011-04-28

Insurance rate increased 400% Empty
PostSubject: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeFri Sep 16, 2011 4:49 pm

Just got our insurance bill and our rates when up 400%. When we called the agent he explained it was due to excessive claims on Silver Wings... ???

Guess we are going insurance shopping.
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http://www.awiseplan.com
pancho
Super Scooter Rider
Super Scooter Rider
pancho

Number of posts : 220
Age : 65
Location : Brownsville Texas
Points : 3992
Registration date : 2010-11-03

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeFri Sep 16, 2011 5:12 pm

OUCH affraid
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billc.
Maxi-Scooter Rider
Maxi-Scooter Rider
billc.

Number of posts : 189
Age : 72
Location : Atlanta, Ga.
Points : 4248
Registration date : 2010-02-19

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeFri Sep 16, 2011 5:24 pm

What company were you with that increased that much? Shouldn't have been impacted by one model of a bike...
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honda_silver
Silver Wing Guru
Silver Wing Guru
honda_silver

Number of posts : 2454
Location : Georgetown, Tx
Points : 7009
Registration date : 2008-12-23

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeFri Sep 16, 2011 5:42 pm

the7smiths wrote:
When we called the agent he explained it was due to excessive claims on Silver Wings... ???

How many claims do they "define" as excessive??

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Somerled
Maxi-Scooter Rider
Maxi-Scooter Rider
Somerled

Number of posts : 177
Age : 59
Location : Fort Bliss, TX
Points : 3762
Registration date : 2011-06-02

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeFri Sep 16, 2011 11:19 pm

And do they know the difference between the motorcycle Silverwing and the scooter Silverwing?
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billc.
Maxi-Scooter Rider
Maxi-Scooter Rider
billc.

Number of posts : 189
Age : 72
Location : Atlanta, Ga.
Points : 4248
Registration date : 2010-02-19

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSat Sep 17, 2011 8:56 am

Did you have any other insurance with the insurer? I.e. your other vehicles? or home?..
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tinman
Silver Wing Guru
Silver Wing Guru


Number of posts : 1299
Age : 72
Location : Matheson, Ontario, Canada
Points : 4765
Registration date : 2011-11-29

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSun Dec 04, 2011 1:52 am



openroadprogram.com ph 1 866 771 0772

$ 381.00 with if get in a acident your primium wont go up included in the quote. $54.43 per month march to sept
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john grinsel
Curmudgeon
john grinsel

Number of posts : 3014
Age : 81
Points : 7762
Registration date : 2009-08-18

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSun Dec 04, 2011 6:47 am

Pays to insurance shop----My SilverWing insured for around $180 a year US---please note rates for me now stuck in south were less in WI----have to be real careful, my NT700V, rated here as sports touring, when it is just a not too powerful bike is near $400.

Certain companies really stick it to you, USAA goes to Progressive for their ins and the rates are in the $800 range for scooter. Allstate quoted reasonable rates, I have been with Geico. Good luck to trying to find reasonable priced coverage.
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ulflyer
Maxi-Scooter Rider
Maxi-Scooter Rider
ulflyer

Number of posts : 157
Location : Lexington NC
Points : 3602
Registration date : 2011-10-27

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSun Dec 04, 2011 7:19 am

I've found it useful to go to an Ins Broker who sells the insurance of many diff companies and have them do the shopping. It worked for me and saved some serious money. They do the work because they want your business and therefore the commision.

I've also found that once a company has your business, they gradually increase the premiums and many of us let it go, thinking thats normal inflation. Its a pain, but ya gotta keep an eye on them.
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roadrunner
Super Scooter Rider
Super Scooter Rider
roadrunner

Number of posts : 231
Age : 66
Location : Middleburg FL
Points : 3984
Registration date : 2010-12-12

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSun Dec 04, 2011 8:56 am

the7smiths wrote:
Just got our insurance bill and our rates when up 400%.

What company are/were you using?
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pancho
Super Scooter Rider
Super Scooter Rider
pancho

Number of posts : 220
Age : 65
Location : Brownsville Texas
Points : 3992
Registration date : 2010-11-03

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeSun Dec 04, 2011 2:08 pm

Farmers...$300.00 one year full coverage.
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Daboo
Super Scooter Rider
Super Scooter Rider
Daboo

Number of posts : 271
Age : 68
Location : Seattle, WA
Points : 4396
Registration date : 2009-12-08

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeMon Dec 05, 2011 5:44 pm

ulflyer wrote:
I've found it useful to go to an Ins Broker who sells the insurance of many diff companies and have them do the shopping. It worked for me and saved some serious money. They do the work because they want your business and therefore the commission...
My father-in-law is an independent insurance salesman. He directs us to the lowest cost/best coverage. I have the same insurance coverage on my Burgman 400 as on my cars and the cost is @$125 per year.

One of my daughters worked for State Farm. They kept wanting her to sell insurance and she wouldn't. Their prices were too high.

My point is that it pays to shop around. An independent insurance salesman can shop around to get you the best deal. Usually, at far less than a salesman who can only offer you one product.

Chris
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DickO
Silver Wing Expert
Silver Wing Expert
DickO

Number of posts : 949
Age : 75
Location : Atchison, KS
Points : 5511
Registration date : 2008-12-23

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeMon Dec 05, 2011 6:48 pm

I agree with "Daboo"... shopping around is the best policy. I've been with the "big name" groups before and got treated none to good. By the time I bought my SWing (even as a 'new' rider having taken the rider's safety course) I was back with a small town outfit who got me complete coverage for $132 per year (actually $118 due to 'quick' payment policy). So... I'm happy.
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bikerboy
Silver Wing Rider
Silver Wing Rider


Number of posts : 400
Age : 77
Location : Leyland England
Points : 4000
Registration date : 2011-05-12

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeTue Dec 06, 2011 5:49 am

Even in the UK loyalty gets you nothing but increased premiums as the companies take you for granted. New customers always get a better deal the first year and then get screwed the next time; shopping around on the 'net and negotiation is the answer especially as a lot of the 'brokers' actually belong to the insurance companies !!!
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redeye
Maxi-Scooter Rider
Maxi-Scooter Rider


Number of posts : 161
Location : Transylvania County, North Carolina
Points : 3964
Registration date : 2010-10-13

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeTue Dec 06, 2011 7:58 am

I agree with many of these responses. In three plus years of riding, I have been with three insurance companies -- Aegis, Geico and Progressive (via USAA). When one of them doubled my premium at renewal time, I shopped and ended up paying less at renewal than for my expiring insurance policy. I spent a few moments wondering what exactly a "mature rider discount" meant, and decided it simply meant a lower rate and nothing more. Wink

USAA has provided my home and auto insurance since the 1980s, so the idea of shopping insurance seemed very unusual to me. Not any more. All three of the insurance companies mentioned above were fine, quality operations, and I would go back to any of them. I won't spend any time taking the higher renewal rates personally; it's business, nothing more, nothing less.
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toolboxjesse
Touring Scooter Rider
Touring Scooter Rider
toolboxjesse

Number of posts : 330
Age : 47
Location : Atlanta, GA
Points : 3989
Registration date : 2011-05-13

Insurance rate increased 400% Empty
PostSubject: Re: Insurance rate increased 400%   Insurance rate increased 400% I_icon_minitimeTue Dec 06, 2011 8:36 am

So bizarre- I with progressive am paying $190 per year for my Silver Wing and my Reflex together, liability only with $10 roadside assistance per cycle. This is with $25k/$50k coverage in Georgia.
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