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Insurance Question
I called my insurance company(Progressive) today to get a quote on a '14 RT/LTD SE6. For comparison purposes, I had their renewal premium($819.00) for my '09 GL1800 Hannigan Trike in front of me. I provided them with a VIN from the dealer. I was floored when they said it would cost me $600.00 more annually. I was thinking with all the safety features built into the Spyder, compared to my Level 2 GL1800, that the premium wouldn't be much different. Plus, the 1330 is smaller and is slightly less powerful than the GL1800.
My questions are:
1. From an insurance perspective are Spyders seen as less safe?
2. Who do people with RTs insure with?
Thanks
Mike
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Very Active Member
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Progressive was great on my Vstar 950 but were about 3 times higher on the Spyder. I ended up with Metlife where I have my home and auto.
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Active Member
We Checked All
Hi we checked almost all the carriers available and by far here in NM Geico was the cheapest we have towing accessory coverage and full coverage for just over 400 per year!
14 RT-S , Stock Large brake pedal White Pearl
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I had Foremost for the first year that I've had my Spyder RT/S. I thought $1,100 was high, but I paid it without shopping around. A year later, the renewal said $1,400. I made several calls and found Dairyland Insurance.https://www.dairylandinsurance.com/m...8A524F2B886057
I'm now paying less than $400/ yr for full coverage.
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Very Active Member
I've got my 12RT & 92 R100r with Velorex sidecar full coverage $436 annual through Dairyland no tickets or accidents though. Towing through AAA though, the agent I initially signed up through mainly wrote RVs and cycles big difference, now retired different office haven't actually spoken with agent it was switched to. Used to be Virginia Quiroga, now it's Freeway insurance.
Bet if my sidecar sells premium will go up though
Sent from my HTCONE using Tapatalk
Last edited by AbNormy; 06-27-2014 at 02:30 PM.
2012 RT A&C bought new 42312 sold July 2018 56k miles currently driving a 2014 RTSE6 LTD bought October 2018 w 6800 miles nicely farkled
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Very Active Member
Originally Posted by MikeT
I called my insurance company(Progressive) today to get a quote on a '14 RT/LTD SE6. For comparison purposes, I had their renewal premium($819.00) for my '09 GL1800 Hannigan Trike in front of me. I provided them with a VIN from the dealer. I was floored when they said it would cost me $600.00 more annually. I was thinking with all the safety features built into the Spyder, compared to my Level 2 GL1800, that the premium wouldn't be much different. Plus, the 1330 is smaller and is slightly less powerful than the GL1800.
My questions are:
1. From an insurance perspective are Spyders seen as less safe?
2. Who do people with RTs insure with?
Thanks
Mike
Indiana seems to be pretty high on insurance. I lived there from 1972 - 1979. Rates will vary due to a gazillion things. Age, history, etc. etc. I have full coverage on both my RT's from State Farm. The 2011 costs me $42.43 per month $509.16 per year and the new 2014 costs me $57.48 per month $689.76 per year. I do not think you are going to see any argument that Spyders are less safe.
Last edited by ARtraveler; 06-27-2014 at 02:43 PM.
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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Varies..!!
You have to shop around. If you have good car, home insurance you get good rates from them. I just added it to my insurance for three cars and home with State Farm and pay $600.00 a year. Many give you multiple vehichle discounts unfortunately I can't get the low mileage discount on the spyder but now get it on my car...you really do have to search...!!
2012 RS sm5 , 998cc V-Twin 106hp DIY brake and park brake Classic Black
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i have State Farm her in MO. $35/mo full coverage, $1K deductible. Same coverage as my cars 100/300.
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I pay GEICO $384 a year for my 2013RT Limited . . . and, if I want, I can turn it off in the winter months . . . but I don't, because I ride when the roads are dry.
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Geico for me, 380 a year with 250 ded on the comp/collision, and 250/500 liability. Comes with towing.
Was about $80 a year less than my Kawi Concours.
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Insurance Question
I dropped Progressive when my rate jumped from $485 on my BMW to $859 for the 2014 RT-S Spyder.
Switched to Geico at $452 for full coverage.
Good choice.
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Originally Posted by MikeT
I called my insurance company(Progressive) today to get a quote on a '14 RT/LTD SE6. For comparison purposes, I had their renewal premium($819.00) for my '09 GL1800 Hannigan Trike in front of me. I provided them with a VIN from the dealer. I was floored when they said it would cost me $600.00 more annually. I was thinking with all the safety features built into the Spyder, compared to my Level 2 GL1800, that the premium wouldn't be much different. Plus, the 1330 is smaller and is slightly less powerful than the GL1800.
My questions are:
1. From an insurance perspective are Spyders seen as less safe?
2. Who do people with RTs insure with?
Thanks
Mike
Foremost thru my Farmers agent in Texas for just over $400 yr for my R Ltd
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I've got allstate for car and home, added the st limited last week, $375 a yr. full coverage
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Thanks to all for your replies. I got a quote from AARP, Geico, and Dairyland. In my specific circumstance(liability umbrella), Dairyland has the best price for coverage.
Mike
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Well you have decided but
the answer to your question probably lies in the replacement cost of a 2009 unit versus a 2014 unit, I assume you were getting full coverage based on your post. Hannigan conversion not withstanding the cost of the 2014 is higher.
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Very Active Member
I've had Geico since I bought the Spyder new. This year full coverage and my annual premium is $298.00 with a $500 deductable, with towing. Also have no accidents or tickets.
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 shopped; Progressive; Geico; Foremost Direct; and Dairlyland. Exact same parameters for all quotes. Dairyland was the winner, BIG TIME! Progressive: $1100; Geico $999; Foremost $600; Dairyland $313.75! AARP Foremost has to make a donation on every policy they sell to AARP. When I priced Foremost with a private agent for my wing. She was $100 cheaper than AARP Foremost! IMHO It's always best to do business with a private agent. They will go to bat for you. Mine sure did when I totaled my car. Tom
Baloo is my name. Spyders are my game. Well, it's a doo-bah-dee-doo, yes, it's a doo-bah-dee-doo, I mean a doo-bee, doo-bee, doo-bee, doo-bee, doo-bee-dee-doo. And, well, now. Ha ha! What have we here?
2020 Petrol Blue Metallic RTL
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YOU PAY WHAT????????
I also am an AARP member and in the state of Wisconsin I pay $340.00 per yr. to FOREMOST w/$250.00 ded. Good luck.
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Originally Posted by MikeT
I called my insurance company(Progressive) today to get a quote on a '14 RT/LTD SE6. For comparison purposes, I had their renewal premium($819.00) for my '09 GL1800 Hannigan Trike in front of me. I provided them with a VIN from the dealer. I was floored when they said it would cost me $600.00 more annually. I was thinking with all the safety features built into the Spyder, compared to my Level 2 GL1800, that the premium wouldn't be much different. Plus, the 1330 is smaller and is slightly less powerful than the GL1800.
My questions are:
1. From an insurance perspective are Spyders seen as less safe?
2. Who do people with RTs insure with?
Thanks
Mike
Farm Bureau in Tennessee charges premiums based on the motorcycle's worth, not safety or performance. The more the bike costs the higher the premium. I'm paying about $500 a year full coverage, $100 deductible.
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Check out Nationwide. I was amazed at the money I saved over Progressive and all other quotes. I have a 2014 Spyder RT LTD and 2 other bikes.
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Allstate full coverage $500.00 Deductible $236.00 per year
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Rider Insurance
These guys saved me. Without them I wouldn't have gotten a Spyder. It would all depend on your history of couse but I'm paying about $280 a year for my 2014 ST Limited. Rider Insurance, 800-595-5693, www.rider.com
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Originally Posted by MikeT
I called my insurance company(Progressive) today to get a quote on a '14 RT/LTD SE6. For comparison purposes, I had their renewal premium($819.00) for my '09 GL1800 Hannigan Trike in front of me. I provided them with a VIN from the dealer. I was floored when they said it would cost me $600.00 more annually. I was thinking with all the safety features built into the Spyder, compared to my Level 2 GL1800, that the premium wouldn't be much different. Plus, the 1330 is smaller and is slightly less powerful than the GL1800.
My questions are:
1. From an insurance perspective are Spyders seen as less safe?
2. Who do people with RTs insure with?
Thanks
Mike
That seems way too high. I am using Esurance (they use AMIG) and I'm paying in the mid $400 range. It went up when I went to the 1330 engine from the mid $300 range.
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