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Spyder Insurance
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
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Very Active Member
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.
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Very Active Member
Originally Posted by beerandchips
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.
Greg Kamer
"It's better to be not riding and wishing you were than be riding and wishing you weren't."
USAF, 20 years, retired
Sheriff's Office, 23 years, retired
2018 Can Am Spyder RT-Limited
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Very Active Member
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.
Currently Owned: 2019 F3 Limited, 2020 F3 Limited: SOLD BOTH LIMITEDS in October of 2023.
Previously : 2008 GS-SM5 (silver), 2009 RS-SE5 (red), 2010 RT-S Premier Editon #474 (black) 2011 RT A&C SE5 (magnesium) 2014 RTS-SE6 (yellow)
MY FINAL TALLY: 7 Spyders, 15 years, 205,500 miles
IT HAS BEEN A LONG, WONDERFUL, AND FUN RIDE.
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Very Active Member
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
2017 F3 Limited in Intense Red Pearl
2008 Triumph Rocket (SOLD)
2002 Honda VTX 1800 C ( SOLD)
2014 Triumph Thunderbird Commander
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Very Active Member
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.
If it ain't broke, don't break it.
IBA #47122
2020 RT Limited Asphalt Grey
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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.
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Very Active Member
Originally Posted by gkamer
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
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Active Member
Geico 250 for the year. Full coverage the same I carry on my Q7.
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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.
My Mods:
Elka Stage 5 rear shock with spring preload adjust
Monster Stage 2 ECU
Pedal Commander
RLS cat delete
Baja Ron sway bar
Baker Air Wings upper and lower
Viking saddle bags
Third pegs
Vredestein tires front and rear
Mad Stad windshield
X-creen windshield deflector
Front and rear drive cam
Garmin Zumo XT
Heated gear wiring
Lamonster LED headlights
Lamonster LED foglights
Lamonster frame mount cupholder
BRP heated handgrips
Lamonster drivers backrest
BRP passenger backrest
Lidlock handlebar end helmet locks
Barkbusters Storm handguards
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Active Member
I have AAA, $480 for the year. Also have their AAA RV Plus membership which includes roadside assistance and towing
Gary
2017 RTL Asphalt Gray Metalic
1987 BMW K75s
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Very Active Member
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
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I went with Dairyland and am around 400 ish. I can tolerate that ;-) Thanks for all the comments.
Steve
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Insurance on Spyder is insane!!! Farmers Insurance $669 per year was my quote. I am still looking. Did anyone look at GEICO?
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Very Active Member
Originally Posted by Jlbmpo
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
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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.
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2012....$225/yr....19/mo......State Farm with a $500. deductible
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I have Geico and pay $99 a year!!!! Don't think anyone can beat that!
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Very Active Member
Originally Posted by mhumann
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
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Active Member
Originally Posted by Jlbmpo
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
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Very Active Member
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.)
2017 RT-S
Bump Skid - Spyderpops
Wrap - Wrapmyspyder
swaybar - Bajaron
Sena 20D & SM10
3 PC Mesh Zippered Lid Net Set - TricLED
A arm LED's - Safety LED's - TricLED
Mirror Sequential turn signals
Glo-riders
LED rear turn signals and reverse lights
Front Grills
Third Brake light
Larson Scanner
Light Up - Sue Hopper
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Very Active Member
Originally Posted by 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.)
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?
Tri-Axis Chrome Handlebars
Sena SM10 BT Dongle
Double USB Port/Volt meter
LaMonster Magic Mirrors
BajaRon Swaybar
HALO Skid Plate
Spyder Pops Rear Running Lights Turn Signals/Brake Light
Spyder Pops Mirror Running Lights/Turn Signals
Shorty Antenna
LaMonster Cat Delete
Akrapovic Muffler
FOBO2 TPMS
Rear Trunk Rack
Bruce Erickson
Chilliwack, BC
Canada
You know when a politician is Lying. It's when his lips are moving!
2014 RTS-SE6 - Cognac
intro to m/c 1949 Royal Enfield 500cc thumper
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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
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Very Active Member
Originally Posted by bigbadbrucie
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.
2017 RT-S
Bump Skid - Spyderpops
Wrap - Wrapmyspyder
swaybar - Bajaron
Sena 20D & SM10
3 PC Mesh Zippered Lid Net Set - TricLED
A arm LED's - Safety LED's - TricLED
Mirror Sequential turn signals
Glo-riders
LED rear turn signals and reverse lights
Front Grills
Third Brake light
Larson Scanner
Light Up - Sue Hopper
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Very Active Member
Originally Posted by bcer960
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.
Tri-Axis Chrome Handlebars
Sena SM10 BT Dongle
Double USB Port/Volt meter
LaMonster Magic Mirrors
BajaRon Swaybar
HALO Skid Plate
Spyder Pops Rear Running Lights Turn Signals/Brake Light
Spyder Pops Mirror Running Lights/Turn Signals
Shorty Antenna
LaMonster Cat Delete
Akrapovic Muffler
FOBO2 TPMS
Rear Trunk Rack
Bruce Erickson
Chilliwack, BC
Canada
You know when a politician is Lying. It's when his lips are moving!
2014 RTS-SE6 - Cognac
intro to m/c 1949 Royal Enfield 500cc thumper
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