What are you paying for insurance? Who are you insured with?

[Sarge707]

I went from Dairyland to Progressive a couple months ago on my 2 Can Ams and saved almost 50% with better coverage? Dairyland starts raising rates after a year or so? Check out progressive-

 

[BLUEKNIGHT911]

I went from Dairyland to Progressive a couple months ago on my 2 Can Ams and saved almost 50% with better coverage? Dairyland starts raising rates after a year or so? Check out progressive-

Interesting - over 4 years, they have stayed the same or lowered it !!!!! ………… go figure ….. Mike hyea:

 

[stmike 1800]

I pay 1300 full coverage ,it sure is great to live in Canada .:cus:

 

[SpyderSkeets]

So that's $50/mo per vehicle for full coverage? Doesn't sound all that terrible, what's your deductible?

$1200/yr for FULL coverage would indeed not be that terrible. However, it's s an 18 and an 11 year old car. I assume it isnt full coverage (I wouldn't have comp and collision on cars that old unless I had to for some reason) I pay about $1200/or for two 2017 vehicles with full coverage and a $500 deductible for comp and collision, plus another $400 year for my 2019 Spyder with full coverage and $500 deductibles.

 

[ARtraveler]

I recently moved from AK to AR. My carrier is still State Farm. I am 73 years old.

All my vehicles carry FULL coverage--regardless of age. I also insure my home with State Farm.

My monthly fees are:

2017 Subaru Outback 53.00
2015 Kawasaki 900 Vulcan 39.00
2014 Can AM Spyder RT 43.00
2011 Can AM Spyder RT 36.00

Fees are slightly LOWER than what I paid in AK. I am currently paying $171 per month for the package. I paid $203 in AK.

 

[Gwolf]

Insurance is crazy. I had full coverage on my 2001 Harley Sportster and no claims for 18 years. When I bought the new Spyder I was going to transfer the insurance from the Harley to the F3-S. Went to the agent and he ran all the numbers. It would have cost an additional $200 just for the remaining quarter and almost double the premiums after that. But if I dropped the Harley insurance and just bought a new policy for the Spyder, the full coverage was only about $100 more annual than I was paying for the full coverage insurance on a 20 year old Harley. It was crazy. I did not understand why and the agent could not explain it. I did drop the insurance of the Harley and got a brand new policy for the Spyder. The cost is just what he said it was going to be.

 

[beerandchips]

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 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

 

[K80Shooter]

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.

 

[gkamer]

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.

 

[ARtraveler]

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.

 

[Ex-Rocket]

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

 

[ThreeWheels]

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.

 

[Cheech88]

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.

 

[BLUEKNIGHT911]

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 :thumbup:

 

[Chasinsparks]

Geico 250 for the year. Full coverage the same I carry on my Q7.

 

[Yabbadabbadoo]

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.

 

[Garf]

I have AAA, $480 for the year. Also have their AAA RV Plus membership which includes roadside assistance and towing

 

[Big F]

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

 

[beerandchips]

I went with Dairyland and am around 400 ish. I can tolerate that ;-) Thanks for all the comments.

Steve

 

[Jlbmpo]

Insurance on Spyder is insane!!! Farmers Insurance $669 per year was my quote. I am still looking. Did anyone look at GEICO?