Penalized !! For owning a Spyder !!

[classicvw]

The wife and I are at $530/yr with full coverage in Virginia. Seems a bit steep, but I've had to call a tow truck a couple times on my old pickup and the GEICO App works awesome, never a problem.

Steve

Yeah $571 here in NJ.
For comparison, My Bonneville is $400, my Vespa 250 $145, my Buddy 125 $65. All are 12 month, full coverage.

[Chupaca]

I have state farm with...3 cars, spyder, home , earthquake, and umbrella but shopping is the way to go cause it is different if you cross the street...

[Firefly]

Try Dairyland insurance.....

[Arion]

Both our Spyders are insured by Foremost. And, for the same coverage, Foremost was roughly 40 percent less than what USAA would charge - and I've been with them for 50 years!

[foxtail1]

Allstate here: House, cars, motorcycles (including Spyder), and umbrella. Spyder added 8 weeks ago at <$200/year. All very reasonable.

[Buckeye Bleau]

Allstate, here in Ohio. Cars, home, Spyder and umbrella. The Spyder is about $350 per year and they have always been good to cover us, even when I had my golf cart.

At first I thought that it was the AARP folks but Dave dispelled that for you. Personally, I dwould NEVER buy anything through AARP unless it was a last resort, but that is just me.

Joe

[Bob Denman]

ALMOST nobody is getting the point...
By packaging your policies with one company: you will often get extra discounts.
I know that Safeco writes on the Left Coast: I've seen their policies.
Allstate is probably worth investigating also.
It's going to take some legwork: call your Agent, and explain the circumstances...
Good Luck!

[HayRog]

Thanks Bob.
I contacted Safeco already - their quote was $1000 more per year than Hartford/AARP

The shopping continues. NOT -- my favorite thing to do !! I should look for a local agent really, and have them do the shopping.

[IdahoMtnSpyder]

By packaging your policies with one company: you will often get extra discounts.

I'm glad you said often and not always. I have my HO policy with Grange. Not sure if I have an umbrella add-on or not. My vehicles are all with Geico. Both of them are the lowest cost individually, and when added together are still lower than what the agent could find in a package price for me.

[BajaRon]

Currently, an umbrella policy with Farmer's insurance. No issues. State Farm before that. No issues. I see that you're looking to dump The Hartford and go shopping. They may have done you a BIG favor.

What a ludicrous policy! The Spyder is inherently safer than any 2 wheel vehicle that they do insure.

Ignorance is NOT ALWAYS Bliss!

[PrairieSpyder]

You should definitely shop all the policies around. We have all our cars, a HD and my Spyder with Farmers. They use Formost for the bikes.

[keefer]

Good thing you dumped The Hartford! I manage a towing company and The Hartford is the absolute hardest to deal with for their customers. I have seen them go to ridiculous lengths to get out of paying to repair their customer's cars. It is so bad that body shops will not do anything for The Hartford without payment up front.
Also one of their policy holders ran a red light and hit my wife. The at fault person was cited by the police and the Hartford tried to tell us we were at fault. They stated that it was just the officer's opinion as to what happened. My insurance (State Farm) had to pay for our vehicle and then sue The Hartford. It all worked out and The Hartford had to pay but it took years to get it done.

[Bob Denman]

Hartford is a big, well-established Company; they offer lots of products...
But if it doesn't fit into their plans: you might as well look elsewhere!

And the AARP program is even worse!

[HayRog]

Hartford is a big, well-established Company; they offer lots of products...
But if it doesn't fit into their plans: you might as well look elsewhere!

And the AARP program is even worse!

I'm now finding that out !! ^^^

Have got quotes so far from State Farm,Allstate and Safeco (fun times ) but they range in price from $500 to $1000 more annually that what I have !! The search continues --

[Bob Denman]

Good luck, and happy hunting!

[heyharris1]

I have state farm and cannot complain. I got my house and all other vehicles through them and the spyder increased my monthly payment by 8 dollars a month. 8 x 12 so thats 96.00 a year, cannot complain one bit. I think it may be time to shop around.

Jim

[Fatcycledaddy]

I have Markel Insurance for the spyder and my two Yamaha Venture Royale, never had any problem with them even when I had a claim. They beat everyone else's price on my Yamahas and the spyder. House, cars, and all other insurance is through AAA but they couldn't come close to the price Markel gave me.

[MidTNDawg]

It sounds too stupid to believe, but it may be they made a filing in CA for only two wheels. Does CA accept Spyders as M/Cs? Having retired from the industry, there many many things which are outside of logic.

[Bob Denman]

I figured that this fact is already known...

But if you don't think that your State considers a Spyder to be a motorcycle: try adding it onto your auto policy, and see what happens!

[HayRog]

Ameriprise Insurance , through Costco, did the deed for me, at the price of a couple of Mocha's cheaper

Thanks all for the good info, twas a learning experience.

[Tango]

I had my Spyder insured by Foremost for several years. Got a policy that was much less money than going through AARP. I called a Foremost agent direct. AARP takes Foremost and Hartford rates and adds in THEIR markup to give you a price. That's how AARP makes money! Tom

[UtahPete]

Sounds like its time for a new insurance agent and maybe a new company. I have all mine with State Farm. Currently: 1 house, 1 car, 2 Spyders, 1 motorcycle. Been happy since 1965.

Same here. 2 houses, 2 cars, 2 Spyders and a travel trailer. I recently looked into USAA and they were attractive on everything but the Spyders, which they pass off to Progressive. At that point, they lost me with all their exclusions and conditions, etc. I'm sticking with State Farm.

[UtahPete]

I had my Spyder insured by Foremost for several years. Got a policy that was much less money than going through AARP. I called a Foremost agent direct. AARP takes Foremost and Hartford rates and adds in THEIR markup to give you a price. That's how AARP makes money! Tom

Yup. AARP makes most of their money off advertisers and insurers. Avoid their markup and deal with the insurers directly.

[crna59]

I have State Farm with no issue

Same here..... I have the house..... Mercedes AMG, Rav4, CBR1000rr, Spyder, BMW GS with not a problem..... even after a coupe of no fault claims!!

[2Paw]

I have my truck and house with State Farm, but stop insuring my motorcycles with them years ago because they were ridiculously high, my agent told me they sold motorcycle insurance but didn't really want that business but if you wanted to pay the price then they would. I have Nationwide on my Spyder and they give a discount if you belong to the AMA.