To Those Living In Florida

[Tango]

You must have some extras in your kinda full....:yikes: Hope your not including replacement cost cause your much better off with true value and adjust that each year as they will only pay you going rate if ever totaled. Deductable will also make the difference... the higher your willing to pay for your repairs the lower the premiums are. Problem being that now-a-days they don't do much repairing.... they will total it for just about any damage....:banghead:

Yup, ACV on a 4 model year old bike. :yikes: Alsao had my trailer on it. Got it down some. Have her checking with other companies she writes. Dairyland which I had for years is way high, $1270. Crazy swings in price. :dontknow: Tom :spyder:

 

[PMK]

Don't know where you live in FL or how long you've been here, or maybe I'm just feeling defensive today, but of all the states I've live in (and there's been quite a few), Florida is absolutely the best I've ever experienced. I've been here for over 25 years and haven't regretted a minute of it. Great weather year around, no income tax and the lowest cost of living I've ever experienced. To be truthful, the general population demographics are no different than any where else, just your average mix of age groups. Perhaps you live in a high density population area that attracts a lot of snowbirds, well . . no different that any other southern state around the gulf coast. Granted, the population swells during the winter months - which contributes greatly to the states economy and part of the reason you don't pay state income tax. You know what they say, nobody's twisting your arm . . .

Actually, moved to West Palm in June of 1983. Florida certainly has the reasons to live here, but experience shows, from Thanksgiving to Easter, the driving gets horrible. No plans to argue the positives vs negatives of suffering with snowbirds. You are so correct that no one is twisting my arm, and because of this, I truly enjoy knowing those people will go home sooner than later.

As I have grown older, I have become less tolerant of the crappy attitudes they bring. No longer do I accept them simply cutting in lines at stores or restaurants, now I call them out and send them to the back of the line. Snowbirds around here can be some of the most obnoxious attitudes to deal with. I avoid Boca Raton at every chance.

 

[PMK]

Yup, ACV on a 4 model year old bike. :yikes: Alsao had my trailer on it. Got it down some. Have her checking with other companies she writes. Dairyland which I had for years is way high, $1270. Crazy swings in price. :dontknow: Tom :spyder:

Dairyland went up a lot on our Spyder also. Not sure who we have now, but believe it is Progressive.

 

[Tango]

To update on this. Just spoke to my agent. I had a Cadillac policy that was way over insured for my Spyder. The original agent that signed me up is no longer there. She adjusted by bike policy and it went from $950 down to $406! Same coverage! :cus: Much happier now as the new premium is less than what I was paying in PA.. Two years ago!!! hyea: Tom :spyder:

 

[Gwolf]

That sounds more like it. Around $400 is in the ball park for Spyder insurance in Florida.

 

[timeless]

and all the people that move here, that drive at 50mph in the left lane on the highway, then without warning cross all lanes at the last moment, without using a turn signal, but applying the brakes in order to get off at their exit.

From thanksgiving to easter driving here is horrible.

mine stays in the garage during those months!!!!!!!!!!!!! I also use geico but in florida motorcycle insurance is not required!!!!!

 

[SteveE]

I have full coverage through Allstate. I pay $38./ month.

 

[Bob204bc]

Insurance prices vary widely from state to state, amounts of coverage, credit score, and probably even zip code. Also, my experience indicates Progressive does not want to insure Can Am Spyders.

I added insurance for my F3L in February to an existing policy with two other bikes on it. My rate for the balance of the year increased a few hundred dollars. When it came time for renewal in September I was shocked by their quote. I shopped the policy, increased my limits of liability from $300,000 to $500,000, and found that Foremost was willing to write the policy for about 60% of the Progressive rate.

 

[Tango]

Credit rating counts, why, who knows. :dontknow: Zip code also. I found that insurance rate were all over the place. I used dairyland many years. Moved down here and they wanted over $1200. :yikes: I'm glad I looked around. :thumbup: Tom :spyder: