Insurance Options - Time to look for another agent?

[sKiZo]

Comprehensive Insurance ... $900 for one year with a $500 deductible and a $12k limit. Total premium is $1556. And that's for a machine I can only ride six months out of the year.

WTF??

Agent's got it listed as a high performance bike and cites the old Honda three wheelers as proof of instability. Right - apples and oranges. Time to look for another agent?

[Beanz1]

Insurance you gotta have it, but it's a ripoff if you want my opinion.

[rjinaz86323]

I have my 2018 F3 Limited through Progressive for $391 a year full coverage with $500 deductible

[KnurledNut]

Florida Progressive $280 yearly

[BLUEKNIGHT911]

Also check out these .... Dairyland & FourMost ....I have one and the other was close to my price ..... good luck /.... Mike

[RykerRick]

I have Progressive @ $348 a year with a $250 deductible full coverage.

[ARtraveler]

Full coverage on my two F3's from State Farm. About $45 a month for each. They also insure my home and car.

[Caven]

Try State Farm. I have a full bells-and-whistles policy for $187 p/a. (I also home+auto with SF, which does reduce the premium.) And, ALL family members are listed as approved drivers, even my 19-yr old son (tho' I have NOT told him that fact!). Caven

[Kilroy]

+1 for Progressive

[Beginner]

geez, someone thinks they can BS their way into a nice payday. I'd never do business with them again. I think mine is about 220 a year with progressive, and don't forget if you did a motorcycle safety course to get your discount for that too. I have my business insurance and my business truck through them, but not my tractor (inland marine policy) or my home (USAA).

[RickD]

Comprehensive Insurance ... $900 for one year with a $500 deductible and a $12k limit. Total premium is $1556. And that's for a machine I can only ride six months out of the year.

WTF??

Agent's got it listed as a high performance bike and cites the old Honda three wheelers as proof of instability. Right - apples and oranges. Time to look for another agent?

Hard to say without knowing your age and record, but the "the old Honda three wheelers as proof of instability" part wreaks of fish and would make me shop around. I'm 67 yrs old with a spotless driving record and pay $270.00/year to Progressive in Texas for $50,000 each person, $100,000 each accident, $25,000 each accident (bodily injury and property damage), and comprehensive with $1,000 deductible that will go down each year I'm claim free.

[EchoVictor]

Part of the problem is that sKiZo and myself are up here in Michigan. The insurance laws and rates up here suck. We're usually at least 50% more if not double of surrounding states for car insurance, so I'm not surprised that motorcycle rates would be similarly screwy.

That being said, it most definitely pays to shop around...

Later,
EV

[rjarcy]

It really does depend on your driving history and the state. But the two issues that they stated are nonsense. Jump on the computer and do some online quotes. I go back and forth between Geico and Progressive every few years and they always seen to be the least expensive for me.

[Fatcycledaddy]

I live in Michigan as you, am 61, no tickets in at least 15 years. I have Markel insurance, 2020 RTL, $5,000 in add ons, $500 deductable that drops by $100 for every year you don't have a claim.
I pay $248. per year

[RykerRider1959]

Hard to say without knowing your age and record, but the "the old Honda three wheelers as proof of instability" part wreaks of fish and would make me shop around. I'm 67 yrs old with a spotless driving record and pay $270.00/year to Progressive in Texas for $50,000 each person, $100,000 each accident, $25,000 each accident (bodily injury and property damage), and comprehensive with $1,000 deductible that will go down each year I'm claim free.

Im in the same boat...Sooo I thought my State Farm agent wouldnt try to pull any shyt...Been with them 47 years....lol...They were almost double from the GEICO quote I actually went with ($188.00/12 mo) Called her back after I rec'd the geico price and she could care less she lost my biz on the bike....

[Dan-Am]

Try Geico. You can go to their site and play with the coverages, watching how the price changes. They will cover your Spyder immediately online...NO AGENTS!

[lokiryker]

I'm paying $60/month with Geico for my 2021 Ryker. I have full year coverage plus I tacked on a whole bunch other things like medical payments, more coverage, etc.

I've had other insurance companies try and quote me about 3 times that.

[spyderdave]

I have a West Bend Mutual Home & Highway policy; cost (w/ $500.00 deductable) for my 2020 RTL is $184.00/yr.

[shardt]

We have DairyLand and for both of our 2021 Syders for full coverage 500 deductible is about 70 a month.

[delkhouri]

In ohio with state farm. Full coverage. $500 ded. $28 a month

[sKiZo]

All good info. Thanx!

What's weird is the same company insures my Ural sidecar rig for under $300. And I'd put that up against any Honda ATC as most dangerous bike in the world ... <G>

PS - perfect driving record, except for the motorcycle accident I died in.
(I got better, and it wasn't my fault)

[EchoVictor]

Hey sKiZo,

just did a quote for my upcoming Ryker purchase...

Progressive Insurance (I already have my home, cars, and 2 Buells with them, so....bundle), same $500 deductible you did,
I'm in metro Detroit area, age over 50, no accidents....

Quote was $189 for a year.

You definitely need a new agent.....

Thanks,
EV