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Spyder insurance in California
- Thread starter aka1004
- Start date
Best rate I got was with Progressive but it still ain’t cheap for a 2015 RTL. One thing going for me though is they don’t delineate between 2 wheel time and car time so I was able to claim 40 years experience as opposed to 4. You may not have that problem and be able to get a better rate.
And if you are trying to get an out of state bike registered here get the inspection done by the CHP and save yourself a huge headache with the DMV.
And if you are trying to get an out of state bike registered here get the inspection done by the CHP and save yourself a huge headache with the DMV.
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HayRog
New member
I was shopping around to change ALL my vehicle and house policies about a year ago.
When it came to adding the Spyder there were problems all the time. The best compromise for me was to leave the Spyder insured with Geico.
The Hartford (via AARP) dropped all my insurances because I owned a Spyder ! All the other major companies I tried, I was met with the same answer as regards the Spyder -- a resounding "NO"
California
Hope you have better luck.
When it came to adding the Spyder there were problems all the time. The best compromise for me was to leave the Spyder insured with Geico.
The Hartford (via AARP) dropped all my insurances because I owned a Spyder ! All the other major companies I tried, I was met with the same answer as regards the Spyder -- a resounding "NO"
California
Hope you have better luck.
I've been with State Farm for over 20 years and during that time have lived in CA, AZ and UT, all with motorcycle coverage. I doubt they would cover just the motorcycle but do for me since I have all my auto, home and RV with them. The Spyder to them is just another motorcycle - they never balked at covering them. Pretty cheap, too ($200/year/Spyder) but that's here in Utah.back in so. cal now. just haven't changed the profile.
USAA member, past or present?
USAA outsources all of their motorcycle coverage to Progressive, so going direct to Progressive is probably the better approach, but if there are any issues with getting coverage at all (was really surprised to read about the issues others have had, going to have to keep an eye on that development), my experience is that USAA goes the extra mile (pun intended) to provide coverage for its members, so using that relationship if you have one might be of help.
Disclaimer: Not in/from California, so this is not at all a locally-informed suggestion.
USAA outsources all of their motorcycle coverage to Progressive, so going direct to Progressive is probably the better approach, but if there are any issues with getting coverage at all (was really surprised to read about the issues others have had, going to have to keep an eye on that development), my experience is that USAA goes the extra mile (pun intended) to provide coverage for its members, so using that relationship if you have one might be of help.
Disclaimer: Not in/from California, so this is not at all a locally-informed suggestion.
:agree:. Actually, the only reason I'm not with USAA is because they sub out their motorcycle and RV insurance. Progressive was way more expensive than State Farm for those items, plus more restrictions (don't remember what they are - it's been awhile). So, I've stayed with State Farm.
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Bob Denman
New member
I'm going back to American Modern Home Ins Co for my Spyder Insurance...
...Over a $400 savings! :thumbup:
...Over a $400 savings! :thumbup:
ARtraveler
R.I.P. Dwayne
State Farm here forever also. MN, WI, IN, AK Still carry full coverage on both the 11 and the 14 RT's. $44 and $35 per month. They also have my car, my Vulcan, and my home.
Guessing CA may not be so good.
Zip
New member
With State Farm mine is about $300 in NY.
siny10309
New member
i just tried calling this company for a quote and they said they dont insure Spyders. they said urs would prob come back as a declined risk (whatever that means). :gaah:
Bob Denman
New member
That's funny: I've got my personal Spyder with them, and about a half-dozen clients as well... nojoke
Same state (NY), so it's not a state underwriting thing. Does NY require insurance cos to register by county, like some southern states do?
Bob Denman
New member
No: it's a State-wide thing.
I'm betting that they just don't write below the Tappan Zee Bridge... nojoke
A lot of companies stay away from the metropolitan areas...
I'm betting that they just don't write below the Tappan Zee Bridge... nojoke
A lot of companies stay away from the metropolitan areas...
HayRog
New member
In CA ....
.... another part to my story
The Hartford (I had house, car and truck with them), when I asked to add the Spyder, gave me a choice.
Sell the Spyder to keep my insurance !! The fact I even owned a Spyder, which was then insured by Geico, disqualified me from any insurance with them.
Their reason --- the Spyder is a 3 wheel vehicle and therefore "inherently unsafe" !!
I spoke to the manager and explained the Spyder dynamics in full -- his reply -- "don't know anything about THAT, it's a company policy"
No brainer then -- I cancelled all my policies with them. Went with Ameriprise (through Costco) and saved a little money. Bike still with Geico.
California
.... another part to my story
The Hartford (I had house, car and truck with them), when I asked to add the Spyder, gave me a choice.
Sell the Spyder to keep my insurance !! The fact I even owned a Spyder, which was then insured by Geico, disqualified me from any insurance with them.
Their reason --- the Spyder is a 3 wheel vehicle and therefore "inherently unsafe" !!
I spoke to the manager and explained the Spyder dynamics in full -- his reply -- "don't know anything about THAT, it's a company policy"
No brainer then -- I cancelled all my policies with them. Went with Ameriprise (through Costco) and saved a little money. Bike still with Geico.
California
siny10309
New member
Congrats on finding a solution. Sometimes owning a Spyder can feel like having a pre-existing condition I guess nojoke.... another part to my story
The Hartford (I had house, car and truck with them), when I asked to add the Spyder, gave me a choice.
Sell the Spyder to keep my insurance !! The fact I even owned a Spyder, which was then insured by Geico, disqualified me from any insurance with them.
Their reason --- the Spyder is a 3 wheel vehicle and therefore "inherently unsafe" !!
I spoke to the manager and explained the Spyder dynamics in full -- his reply -- "don't know anything about THAT, it's a company policy"
No brainer then -- I cancelled all my policies with them. Went with Ameriprise (through Costco) and saved a little money. Bike still with Geico.
California
Chupaca
New member
Another one for State Farm
I had Allstate till I moved to CA. Seeing as the house was with State Farm and they offered great discounts for multiple cars, home, earthquake etc I switched. The only thing is they do not treat it like the other vehicles when it comes to mileage benefits and multiple vehicles but there are enough others to get that benefit...:thumbup:
I had Allstate till I moved to CA. Seeing as the house was with State Farm and they offered great discounts for multiple cars, home, earthquake etc I switched. The only thing is they do not treat it like the other vehicles when it comes to mileage benefits and multiple vehicles but there are enough others to get that benefit...:thumbup:
Motorcycledave
Active member
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