Spyder Insurance

[beerandchips]

Hello,

Yet, another insurance question. I just got a 2020 Spyder RT. It was a zero mile left over unit from last year. Went to get insurance from Allstate and I went from 2015 Honda Shadow phantom 300,000 bells and whistles gold coverage of 200 dollars to $800 for the Spyder. Holysh&t! That is more than my 2017 Ford Fusion. Looking at Dairyland. How are they? I have already priced it. Want to know IF they are a hassle IF you need them? Experiences, etc. please.

I'm sorry, but I don't ride all year long. As a matter of fact I only put 2600 miles on the bike from Dec 17 to about two weeks ago. I mainly commute. I live in Southern Illinois so riding year'round won't work anyway.

Thanks.

Steve

[K80Shooter]

I have Foremost Insurance on my 2020 RT-Limited, monthly payments with a $250.00 deductible for a little less less than 45 a month.

[gkamer]

Looking at Dairyland. How are they? I have already priced it. Want to know IF they are a hassle IF you need them? Experiences, etc. please.

Steve

I have Dairyland, paying $424.00 a year or roughly $35.00 a month. I just went ahead and paid for the full year. Fortunately, I have not had to deal with them in anyway so I can't speak to that aspect of your question.

[ARtraveler]

The insurance quote you got seems about $20.00 per month high. 800/12 =$66.66

My current insurance for the 2019 F3L is $45.00 per month and the 2020 F3L is $48.00 per month. As a comparison, my 2015 Kawi Vulcan is $33.00 per month. I carry FULL coverage on all of them. My carrier is State Farm. They also have my house insurance.

Rates of course will vary by location, age, driving record, etc. etc.

[Ex-Rocket]

Yes insurance does take into account your past driving record, age and even your credit score comes into play. I have Markel American motorcycle insurance on my 2017 which is full coverage and run me $348.00 a year

[ThreeWheels]

I have Progressive and I'm paying $540 a year.
It also depends on where you live. I live in a dense suburban town. Not quite a city, but far more populated than a rural town.
Relatively low deductible of $500 and relatively high coverage of $250,000 for bodily injury/property damage. I also carry $250,000 for uninsured motorist.

[Cheech88]

We just switched back to Dairyland. We had American Modern for some years when Dairyland took a big jump but now the premiums for our '15 HD Limited and '14 RTS came down considerably.

We did make a claim with Dairyland some years ago when the wife wrecked her '00 HD Ultra. The claim process went well and we actually re-opened the claim a half year later when we noticed further damage in the tour pack.

Many years ago when I was shopping for insurance the first time I asked my HD dealer which insurance company they had the fewest issues with when doing an insurance repair, they told me Dairyland.

[BLUEKNIGHT911]

I have Dairyland, paying $424.00 a year or roughly $35.00 a month. I just went ahead and paid for the full year. Fortunately, I have not had to deal with them in anyway so I can't speak to that aspect of your question.

WOW, I also have Dairyland and only pay half that ( approx. $ 19.00 per month ).... I originally had Foremost but when they raised my price I switched .... happy so far .... Mike

[Chasinsparks]

Geico 250 for the year. Full coverage the same I carry on my Q7.

[Yabbadabbadoo]

The comparison between insurance rates is pretty meaningless unless you are also listing the liability limits you are paying for. $50,000 vs $500,000 you are going to be paying different rates.

[Garf]

I have AAA, $480 for the year. Also have their AAA RV Plus membership which includes roadside assistance and towing

[Big F]

I have a 2018 RT Limited and with full coverage I pay $473.00 a year.. Motorcycle insurance is a buyer beware issue as rates are all over the board..
BIG F

[beerandchips]

I went with Dairyland and am around 400 ish. I can tolerate that ;-) Thanks for all the comments.

Steve

[Jlbmpo]

Insurance on Spyder is insane!!! Farmers Insurance $669 per year was my quote. I am still looking. Did anyone look at GEICO?

[BLUEKNIGHT911]

Insurance on Spyder is insane!!! Farmers Insurance $669 per year was my quote. I am still looking. Did anyone look at GEICO?

Reading .... ALL ... the posts is very helpful ........ good luck ..... Mike

[Glenngo]

I have Allstate and a discounted early payment charge of #314.91 per year. The first year was closer to $500, but went down ever since.

[porkchop1965]

2012....$225/yr....19/mo......State Farm with a $500. deductible

[mhumann]

I have Geico and pay $99 a year!!!! Don't think anyone can beat that!

[BLUEKNIGHT911]

I have Geico and pay $99 a year!!!! Don't think anyone can beat that!

Is that for full coverage for 12 mos ..... ???? ...... if so Fantastic .... Mike

[motoguzziman]

Insurance on Spyder is insane!!! Farmers Insurance $669 per year was my quote. I am still looking. Did anyone look at GEICO?

Markel was lowest price for me in WI. Full coverage with 500 deductible is a little over 300 per year for a 2020 RT

[bcer960]

You guys ALL have it so good. I am just under $2000 a year for insurance, but only 6 months of riding.........stop complaining.

(Here we have only one insurance company to choose from, so it isn't a bad driving record.)

[bigbadbrucie]

You guys ALL have it so good. I am just under $2000 a year for insurance, but only 6 months of riding.........stop complaining.

(Here we have only one insurance company to choose from, so it isn't a bad driving record.)

Also, don’t forget....not ONE of them have said what liability limits the carry. I’m guessing 10/20/5 whereas we have AT LEAST one million inclusive limits. We also have UMP, and I don’t know if they have that.

Do you have private for collision/comprehensive, or all ICBC?

[Doug44]

I see you are in Southern IL, I am in central IL & pay ( just got my new bill for a yr $280) if I pay monthly it was another $60 more. I am with Progressive this policy is full coverage $500.000 liability $100 deductible for a 2020 RTL

[bcer960]

Do you have private for collision/comprehensive, or all ICBC?

I'm with beacon for fire and theft. That's the year round coverage, ICBC from mid Apr till mid Oct.

[bigbadbrucie]

I'm with beacon for fire and theft. That's the year round coverage, ICBC from mid Apr till mid Oct.

I was going to suggest Beacon. That’s why I asked.