Avoid Progressive Insurance with the Spyder

[dguisinger]

Why in the world would you think that?

Because thats how it works with cars, I can go out buy a new car and not have to call the insurance company immediately because I have an existing policy and a there is a window to call in the new vehicle. Maybe that is state law and doesn't apply where you live. Whether that extended to the bike, I haven't the slightest idea. The dealer didn't ask me to insure it on the spot, I figured I was covered by my existing policy. But you are just looking to start a fight so I'll move on and ignore you.

You're absolutely right. Computers are free. Electric to run them is free. They program themselves so no cost there for the company. Environmental rooms to house them are free also. No human intervention at all. I understand your point.

Sorry to be mean. Sounds like you were anxious to buy your motorcycle and you bought it. You didn't take the time to understand the true cost of ownership including insurance.

That doesn't mean the insurance company did not misrepresent the cost to you. But since you seem to have a hard time understanding everything else how can we believe you did not misunderstand them on this point?

They are free to charge you whatever they want for their insurance product. You are free to go somewhere else. You make it sound like they held a gun to your head. Had you figured out the insurance costs in advance. None of this would've happened.

They gave you a quote. You accepted their quote. You decided to cancel. You were charged a fee associated with doing business with them.

You paid them for a life lesson. Now others reading this post will have a better understanding of how to avoid the same pitfalls that you encountered.

Special note – I never thought I would be taking up the side of an insurance company. Look out tomorrow – pigs will be flying.

First of all, I work in IT, I'm paid pretty damn well thank you very much for knowing how much computers and automation and electricity costs, don't belittle me.

I told Progressive while they were quoting me that it was outrageous and I was going to cancel it within a few days if I found something better, they told me I'd get the full pro-rated amount back. Had he said I'd lose $120 I would have waited through the weekend for my AmFam agent to get back in the office but that wasn't what they told me. I should not have to read fine print to see if a Progressive rep is lying to me, and you are correct, you are being mean.

I normally don't need to shop around for insurance when I buy a vehicle, normally I can throw everything on a single policy and be treated fairly. It doesn't mean each vehicle is priced the lowest, but there is normally not a need to find the lowest price on every single vehicle and spend hours looking for the best rate. I insured with progressive because my other insurance was with them and it made sense to me to do so.

 

[kawakii]

We have Progressive for Home, Cars, and Motorcycle and intially paid last Apr. 88.00 a month with total loss, and increasing our accessory coverage to 5000.00 instead of the standard 1000.00 -3000.00 most plans come with. Our rate this season has dropped to 49.00 a month since I have been added on as a driver and we both took safety courses. We can only keep total loss for a total of two years but when that is changed our policy will drop again. I highly suggest total loss on any new vehicle.

When we lost our Spyder to an accident they were wonderful, adjuster out two days after the accident and deemed totaled that day. We got MSRP on a RS which was about 1800.00 more then we paid plus the money they gave us for the accessories we had receipts for. They came to our house and issued a check not even 5 days after the accident. So we ended up getting more back then we had ever paid for the bike and accessories in total. We bought our new Spyder a week and a half later. Thanks to progressive we even upgraded to an RS-S. So, even if Progressive was a little higher intially with total loss it has been well worth it to us --sorry you had a bad experience. I would check if they had total loss on your policy as well since that may be part of the higher rate. Live and Learn. Next time you'll take the time to look around and put off taking home your new vehicle until you've got the right insurance for you -- others I'm sure will learn from your mistake as well. A ****ty lesson but at least you might be able to help others know to fully understand their policies....

Hope your enjoying your Spyder !

 

[scooterexpress]

i have geico 500/yr 1000 ded. i have learned one thing about insurance weather for car/house/bike its all based on your credit rating like anything else.

 

[Bob Denman]

I don't know what your State's rules are regarding cancellations...
But...In New York an insurance company may keep an additional 10% of the unearned premium if an insured cancels a policy before the renewal date... It's called a "Short-Rate" cancellation :gaah:
(Subject to certain limitations; of course!!)

The guy flat-out lied to you...
The only thing that'll sell a poor product is good marketing. Progressive spends a cubic ton of money on their marketing... :shocked:

American Modern Home insurance on my spyder! :thumbup:

 

[harrypottar]

I'm in MA, everything in MA is regulated and costs triple, we love you MA :2thumbs:

I've been with progressive since they removed the MA monopoly on insurance. I have my cars, trucks, scooters, ATV's and Spyders all under coverage with them.

I find them very professional, if I break out the Spyder I have the RT-LE, 500 deductible, but I have a lot of extras, increased uninsured protection (I ride in NH), increased medical and injury, plus $5k Accessory to cover the trailer and what may be in it. It works out $44 a month.


I called them from the CT dealer last Saturday, they faxed me the insurance coverage, temp car and even a RMV1 for the registration.

Sorry for your bad experience maybe some mistake some where but I have always found them very fair and save me a fortune on what I used to pay when MA was regulated

I like flow, she can be my pillion any day.

harry

 

[Bob Denman]

I like Floe, she can be my pillion any day.

:agree:

 

[Huntindawg1962]

Progressive was really expensive for my two Sypders, too. Ended up with Foremost (they do a lot of cycles in this area). Progressive was 2.5 times higher on my boats too so switched to BoatUS on them also - nice savings!

You got to shop this stuff every year or so as these rates really seem to swing a lot.

 

[d.o.spyder-rts]

I insure all of my vehicles with USAA, however, they stopped insuring motorcycles a few years ago. They use Progressive and yearly premium is 1,120.38(93.36 mo) $500 deductible(s). It was more expensive for me because I added 10K medical payments. Dale

 

[elixermixer]

I would have waited through the weekend for my AmFam agent to get back in the office

But you didn't you called a company that has staff on hand for you to open a claim when your other agent wasn't available. I know what a crap ass bag of popcorn and a soda cost at the movies so if I don't want that I plan ahead... I just better not decide I want some snowcaps 20 mins in otherwise my choices are limited.
But it's sucks to feel cheated and it always leaves a bad taste sorry for that.

 

[Texmac1011]

I got progressive $188 a year for full coverage $250 deductable, and had a pretty easy claim experience when I hit a deer and they got me $3,100 as soon as the dealer had the quote done. I figure I owe them the next 16yrs business. Also did you go through progressive directly or an insurance agent?

$118/yr? $15.67/month? WOW! That's cheap anywhere and has to be especially cheap in NY!

 

[CyncySpyder]

:bdh: :read: :bdh:

 

[Knarfoh]

Because thats how it works with cars, I can go out buy a new car and not have to call the insurance company immediately because I have an existing policy and a there is a window to call in the new vehicle.

You are exactly right. That is the way it works with a car. That is also the way it works with a motorcycle. My existing motorcycle policy for my Goldwing covered me on my new Spyder for 30 days. I assume you NOW understand a car policy does not cover a motorcycle and a motorcycle policy does not cover a car? Two entirely different type of motor vehicles. Just in case you are not aware of this, even though you drive your motorcycle on the same highways as your car, you may have to get a seperate license or endorsement on your license to operate your motorcycle. In Ohio, they are considered two different types of motor vehicles and there are some laws that are distinctive to each class of motor vehicle and the vehicles are operated differently, so they have a license for each one. I suspect you never got a motorcycle license because you already drive a car? After all, you already have a license to do that, why would you need a separate license?

First of all, I work in IT, I'm paid pretty damn well thank you very much for knowing how much computers and automation and electricity costs, don't belittle me.

Well, let me quote you again --

Progressive tried to claim business costs, but business costs to do what? Their computers do all the work these days

How can you be "paid pretty damn well" since all you do is work with computers? I thought your point earlier is that was all free or nearly free? How can your employer pay you well. Or wait, is it possible they charge for the services they provide? And in turn compensate you for the work you do for them?

I told Progressive while they were quoting me that it was outrageous

And yet you still bought from them? ROFLMAO. You showed them... you bought their DAMN policy. Way to stick it to the man. Last time that happened to me i laughed and walked away. (Wait, that has never happened to me) In your case, you acted shocked and still bought the policy. I never thought of using your strategy. Can you imagine their surprise when you bought from them? I bet the whole office was scratching their head telling that story. Imagine this happening at Progressive Headquarters ---

(1ST EMPLOYEE) Hey Joe -- I had this customer today who was pretty upset about the quote I gave him on his insurance policy. He told me I was crazy and everything and what we were charging was "outrageous." (2ND EMPLOYEE) So what did he do? (1ST EMPLOYEE) He said, I will take it!!

you are correct, you are being mean.

I admitted that and I am. Nothing personal. By the time you started this thread, the genie was out of the bottle. Because you set everything in motion and allowed it to happen. You knew you were being quoted too high but still bought, etc.

I also said --

It is reprehensible if you were misled.

That doesn't mean the insurance company did not misrepresent the cost to you.

The Spyder RS-S lists between $19,000 and $20,000 (not quite sure which one you have - could be higher or lower). I assume the dealer offered to sell to you for around $40,000 and after you acted outraged, you bought it?

Finally (and I promise to NEVER say another word about this), have you noticed from other posts to this thread that some of us are insured by Progressive and are quite happy? And their rates are competitive?

Rates can vary based on numerous factors. And quotes without knowing where a person lives, age, their driving record, number of vehicles insured, etc. makes it hard to compare on here.

You are admitting you knew the quote was outrageous but you still bought from them? That is where you lost me.

I am not only defending an insurance company and pigs are flying today, but

(1) the Palestinians and Jews are inter-marrying and living side by side in peace;
(2) Greece found this big pile of money to pay all of their debts buried under the Parthenon;
(3) another man confessed to killing Ron Goldman and Nicole Brown Simpson and O.J. Simpson has been exonerated;
(4) Iran and Korea have discontinued their efforts to create nuclear weapons
(5) Afghanistan is a democracy
(6) Egypt is a democracy
(7) President ***** is a great president

Hmmm... guess I can't use the President's last name? LOL.

Anyway, after defending the same insurance company for the 2nd time in 2 days, I need to go take an extra-long shower. You have made me feel cheap and used.

 

[Knarfoh]

The only thing that'll sell a poor product is good marketing. Progressive spends a cubic ton of money on their marketing.

He admits he knew the quote was "outrageous" but he still bought a policy. That is not marketing, that is something else. Doesn't sound like marketing played a role in this one.

 

[mrmichaelg]

Believe it or not Geico was the cheapest for me at 67 a month. Im 29, have no wrecks, or tickets, but it was the cheapest by far and they give you a 70% discount during the winter. They are pretty awesome so far. Thats with a 1000 deductible.

I just purchased a left over 2011 RTS, about two weeks ago,I called around and GEICO gave me the best price $42 a month

 

[Bob Denman]

I'd really love to know what your background is... You're digging the spurs in just a wee bit deep; don't you think? :shocked:
I'll be the first ot admit that you've actually made some very good point. :clap: But at what cost?

 

[CJ/johnnyg]

FWIW:

With 250.00 deductible the Spyder is 61.80 a month.

Funny thing is, the Murano runs 58.80 a month with the same deductible.

Old(er)nojoke driver, no accidents or tickets.


Edit: Called my agent before picking up the Spyder and he advised me it would be automatically covered for the first thirty days.

Do they give you medical coverage. I have them here in FL and they won't do medical. I would like to find a company that will give medical on the spyders.

 

[Bob Denman]

That's probably a quesito best asked to an independent agent in your State... They would have access to several different companies and be able to "Shop" for the best combination of costs and coverages for you.
I have a question about Florida... What are the regulations regarding helmet usage? I seem to recall that helmets aren't actually required (?), so I wonder if that might be driving up costs for medical coverage? :dontknow: Or perhaps making it a coverage that the companies don't even want to offer...

 

[CJ/johnnyg]

That's probably a quesito best asked to an independent agent in your State... They would have access to several different companies and be able to "Shop" for the best combination of costs and coverages for you.
I have a question about Florida... What are the regulations regarding helmet usage? I seem to recall that helmets aren't actually required (?), so I wonder if that might be driving up costs for medical coverage? :dontknow: Or perhaps making it a coverage that the companies don't even want to offer...

You have to have at least 10K medical coverage to ride without a helmet, That can be private coverage ( AKA ) BCBS or ect. or medical coverage on your MC. But some companies won't give you medical insurance on MC>

 

[d.o.spyder-rts]

Do they give you medical coverage. I have them here in FL and they won't do medical. I would like to find a company that will give medical on the spyders.

You might want to give Progressive a call. They offer medical in the amounts of 25K, 10K and 5K. Like I mentioned in my post above USAA uses Progressive and I initially called themand was referred to Progressive. Dale

 

[BikerDoc]

Customer Service is only as good as the particular person you are talking to at that time. I have called companies back ten minutes later and gotten a different rep and gotten completely different and better service. I never accept what the first person at a company tells me without checking with another one.. Every company and I mean every company has wahoos and it does not mean the company is good or bad. It just means they hire from the normal labor pool. Extra care and scrutiny on insurance and every other purchase in the world is necessary to protect oneself against this.

also AMEN TO COMPARING INSURANCE RATES - most times you are comparing apples, to oranges to watermelons so it is of no worldly use.