bike insurance

[CrashDavis]

As others have said, how much you are charged depends on where you are and how you (and others in your demographics) have behaved in the past. But there are two companies I will never do business with, unless I have ABSOLUTLY no other option.

When renewal time came I asked my Allstate agent how much if I paid all up front. I was given a price that was less than if I paid monthly and gave them my credit card. I was happy with them until about ten months later when I received a bill for about $13. When I asked what it was for I was told I lost a discount when they no longer could debit my checking account directly. I asked why I wasn't given this amount up front. Neither corporate nor the agent wast willing to even talk to me about it. That amount wasn't worth fighting about but it was enough not to do business with a company that would steal from you (it was their error).

The other company is State Farm. I got into a fender bender where we were both considered at fault. In Florida that means you each pay your own bills unless you don't have any damage (me) and then you share the other's cost. We swapped information (including contact info) and went our way. I contacted my insurance and she called hers. Even though hers contacted me and asked questions they never sent me nor my insurance company a bill, they sent my share directly to a collection agency. I called the agency and they said it was because they didn't know how to contact me. It completely went over their head that they had sent me a paper bill through snail mail. I then called my insurance and they said they would take care of it. In the mean time the collection agency sent me a copy of a letter they had sent to Florida stating Florida should revoke my license because I wasn't complying with my fiscal responsibilities. Needless to say I didn't take that very well. I called the collection agency and told them that if Florida does I will sue. While I'm sure Florida checked my record and found that I actually did have insurance because I still have a license, State Farm is still on my $(*& list.

[Motorcycledave]

Check out the AMA insurance
if you are not a member of the AMA you should be
American Motorcyclist Assoc.
1800-AMA-JOIN
they will even include towing for your Spyder, Cars, Trucks and RV's
great rates

hi everyone. i am shopping for a new bike insurance company. I have a 2014 rts with 52,000 miles. Does anyone out there know what insurance company is worth looking into? let me know. Thanks

[Deanna777]

I am insured with Geico and I pay $500 a year, full coverage + Towing and Labor costs. This is my 6th year being with Geico. No accidents.

I also get a kick back ( from Geico) when I put the spyder in to hibernation.

Deanna

[Chupaca]

You get a good deal if you have a lot with them. The house + earthquake, three cars and the spyder. This gets me a $300.00 a year for the spyder...

[IdahoMtnSpyder]

My Geico 12 mo premium on my 2014 RTS is $223 for 100/300/50, 50k under insured, and $250 deductible. My 2007 Honda ATV is $53.

[capt.jim]

I live in S. Fl and have been with State Farm for 38 years.
Currently have a house, 2 cars and a 15-F3S which is $450.
There are cheaper companies I'm sure, but they have always been quick to respond and very fair.

A short story,
One day I went to eat breakfast about 15 miles away and thoughtlessly threw the wrong set of keys and my phone in the frunk.
Well, after breakfast I walked about 3 miles to my agents office in the high noon summer heat and asked the receptionist if I could wash my face, get a drink of water and use a phone.

An agent new to me was just sitting down to lunch and asked what was wrong.
He then insisted on driving me 30 miles to my house to get the spare key and back to my Spyder.
Now, that's customer service I won't soon forget.

I was a happy and appreciative guy,

"Like a good neighbor, State Farm was there!"

[HeartHopper]

My original insurance agent did not even know how to quote a Spyder?

When they cam back with $600 plus, I said know way.

$160 with Geico in Massachusetts has my vote!

[CA Railwhale]

Progressive currently. $450 yearly on the 2015 F3 with progressive, no accidents or tickets.

I was just transitioned to Progressive by AAA when I moved to Arizona. One thing to be careful of is that the basic Progressive policy only covers $3,000.00 in farkles. I had to add another $3,000.00 in additional coverage. I was surprised about just how much I've spent on farkles in the last two years.

[ARtraveler]

I was just transitioned to Progressive by AAA when I moved to Arizona. One thing to be careful of is that the basic Progressive policy only covers $3,000.00 in farkles. I had to add another $3,000.00 in additional coverage. I was surprised about just how much I've spent on farkles in the last two years.

Them farkles do sneak up on you. I did the same with them on my 08 and 09. $6K per was about right.

[Triple B]

I live in S. Fl and have been with State Farm for 38 years.
Currently have a house, 2 cars and a 15-F3S which is $450.
There are cheaper companies I'm sure, but they have always been quick to respond and very fair.

A short story,
One day I went to eat breakfast about 15 miles away and thoughtlessly threw the wrong set of keys and my phone in the frunk.
Well, after breakfast I walked about 3 miles to my agents office in the high noon summer heat and asked the receptionist if I could wash my face, get a drink of water and use a phone.

An agent new to me was just sitting down to lunch and asked what was wrong.
He then insisted on driving me 30 miles to my house to get the spare key and back to my Spyder.
Now, that's customer service I won't soon forget.

I was a happy and appreciative guy,

"Like a good neighbor, State Farm was there!"

There are GOOD insurance agents out there, and there are a lot of just agents. You found a GOOD Agency.....not necessarily the cheapest, but a GOOD one, one who cares about the well being of his client. Hard to come by, and precious!

[kevin_from_ny]

I got a quote from my allstate agent on a new 2018 RT friday and it was $245.00 yr with a million liability $1.000 ded...Your credit score has alot to do with your rates

[krafael5]

thank you all for the helpful information. I will definitely do my research.

[AngryBug]

Surprised I didn't see Nationwide in anyone's recommendations. They were slightly higher on the bikes than when I priced State Farm last fall, but about the same amount less on our car and truck (so about a wash - netted out to a difference of about $10 a month). We stuck with Nationwide because when hubby had a wreck in his pickup a few years ago, they were awesome (truck totalled, fractured lumbar vertebrae)...no squabbling or nickel-and-diming, just prompt appointment with an adjuster and quick payout so we could get another vehicle. Last year a lady rear-ended my Mazda and they handled everything...I never had to deal with her agency once. Then not 3 months later, a buck kamikazed into my driver side door, bending every piece of sheet metal from the front fender to the back and taking out the windshield, rearview mirror, driver's door window and side mirror. Again, flawless service and painless to deal with. We decided the slightly higher rate we paid on the two bikes was well worth the wonderful customer service they have proven thrice over on the automotive side.

[GARYEIN1]

I have Safeco for all our insurance
My agent has saved me money many times over