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

[rothman]

I seriously doubt that. Maybe that was for the first month. I'd like to see a copy of that policy.

 

[Glenngo]

I believe Geico only sells mc policy that is no-tort. I want full tort.

 

[Motogordo]

August 20, 2021

I use Rider Insurance/Plymouth Rock and pay $ 666 for the year with $ 250 deductible each occurence.
New Jersey has one of the highest insurance rates and property taxes. Bummer.

 

[bcer960]

August 20, 2021

I use Rider Insurance/Plymouth Rock and pay $ 666 for the year with $ 250 deductible each occurence.
New Jersey has one of the highest insurance rates and property taxes. Bummer.

Come to B.C...... highest gas prices too

 

[Deanna777]

I believe Geico only sells mc policy that is no-tort. I want full tort.

Geico sells , Auto, Renters, Motorcycle/ATV, Umbrella, Home Owners, Condo, Boat, Collector Auto, Mexico Auto, Mobile home, Landlord, Flood, Business Insurance, Life, Travel, Overseas insurance policies.

I have Geico on my spyder, with full coverage, plus lay up( hibernation) coverage.

Deanna

 

[pidjones]

Don't remember my limits, but 2021 Spyder RTL, '78 GL1000 and '76 Yamaha RD400c all covered for $334.82 annual. Tennessee has pretty low rates. I'm using Dairyland because their underwriter doesn't jack my rates up annually like Geico and Progressive's did - because we haven't taken out car loans in two decades.

 

[EdMat]

I have Geico on my spyder, with full coverage, plus lay up( hibernation) coverage.

Deanna

I have often wondered how the insurance works when you put everything in storage over the winter. Is it the full rate for that period or does some type discount figure in over the whole year?

 

[troop]

Most companies are now going to year round coverage. Years ago, some companies used to let you just have comp while in storage.

 

[gkamer]

Hello,

Yet, another insurance question. 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’m with Dairyland. I have not yet had occasion to actually take “advantage” of my coverage, so I guess that’s a good thing. I’m paying $426 a year for full coverage on my Ryker. It took about close to 10 minutes waiting to actually connect with a live customer service rep, not a big deal for me. I have over 500 roll over minutes on my plan, so I could hang around for a while if need be.

In fact I called them only last night. I am thinking of trading up my Ryker for a Spyder. I asked about the process of changing my Ryker coverage over to the Spyder. The lady told me I could add the Sypder to my current policy for an additional $216 dollars. That would cover both bikes and then if/when I actually pick up the Spyder, I could drop the Ryker and my cost would go back to the original policy only with just the Spyder. She said this way there would be no lapse in coverage for either bike. That is pretty much my entire interaction with the company. I do know from reading posts here back in the day that a lot of other people on the forum have coverage through Dairyland.

 

[Motorcycledave]

PICK UP YOUR PHONE AND CALL 1-800-AMA-JOIN (262-5646)
That is the number for the American Motorcyclist Assoc. They have by far the best motorcycle Ins. out there
and it also comes with FREE towing that will tow whatever you are riding or driving, Bike Car or truck.
They have many great perks for riders as well, like car and bike rental, hotel discounts and much more.
Everyone who rides should check out the AMA.... No I am not a salesman for them just a member for over 45 years.

 

[SpydeyCR]

I have Allstate, full coverage like autos, and pay $302/yr.

 

[shardt]

We just switched from Geico to Dairyland for our two 2021 RTL's. For the same coverage for both it was over 200 dollars cheaper. we have 25/50 with 5k in options, towing, and full replacement value for both with a 500 deductible. For both we pay now with Dairyland 543.00 about 47 a month.

 

[Motogordo]

Sept 8, 2021

The prices for insurance vary by state. That is what makes up the big differences. I live in New Jersey, which has one of the highest insurance rates due to the dense population in a small area.

 

[Crackerjack99]

Progressive, 195.00 yr. for 2017 rtl. Check it out.

 

[Deanna777]

I have often wondered how the insurance works when you put everything in storage over the winter. Is it the full rate for that period or does some type discount figure in over the whole year?

It is not the full rate, when the spyder is in hibernation( storage).

I also get a special discount( premium is less during the Hibernation storage time). I usually store my spyder from Oct. to April. On the spyder I keep only( this is per insurance) Comp, when in hibernation( storage). It is covered, when in hibernation (Storage).


In April, the 12 month premium goes back to normal, and limits/liabilities and etc. go back to what they were before hibernation( Storage).

I also don't ride year round on the spyder( off topic: I ride my sled from Dec. to Feb depending on the winter weather). Back on topic then I ride my spyder from April.

Deanna

 

[Baron14y]

Son has a Harley trike. Me, a 2015 RT. Have full coverage for both covering all three sons, my wife, and me, $454.00/yr, GEICO.

 

[Kromm]

I've done my research, and thanks to a lot of you here on the forum all my questions have been answered. I signed up for the 3 wheel course, and took it about a week ago. I was hoping to try out a RT, but the course was done on Rykers. The wife got a lot out of the course seeing that she has always been a pillion, it mostly covers everything I already knew and practice from riding 2 wheels. But it was fun.
The Last thing I wanted to look into was insurance cost, and I got a major shock. For reference, my Car (2014 Dodge Charger), Truck (2010 Dodge Ram 2500HD Diesel), RV (25 ft tow behind trailer), and Bike (2008 Yamaha FJR1300) all together cost me just under $1900 per year (for full coverage on everything, $100 deductible, $100k comp, & towing). The quote I got from Progressive (I used the online quote option off their web site, I currently have my Bike Ins with them) came back at $2100 per year. OUCH0 0!!!! I lowered everything down to the lowest I could ($500 deductible, $50k comp), and it still was $1500 per year. I contacted my Insurance Agent I have everything else insured with, and I am waiting to hear back on a quote from her. I am looking at buying a 2022 RT Limited. My local dealer has it sitting on their showroom floor, ready to go.
Is this normal. It makes me curious as to what everyone else is paying for their insurance.

 

[BLUEKNIGHT911]

Problem #1.- you live in Calif. ..... Look into Dairyland and/or Foremost .... Good Luck .... Mike :thumbup:

 

[K80Shooter]

I second Foremost. I have them, they have a couple of different levels of insurance, I got the top tier one and it's around 400.00 a year. I can't give you the coverage amounts off the top of my head, but I thought it was very affordable.

 

[RayBJ]

My 1st surprise is you ONLY pay $1900/yr for all those machines!
Here in NJ, I pay $1200 for just 2 cars fully insured (no points/accidents). My 850cc bike & 2020 RT costs ~$600/yr.
Looks like Cali has those rates reversed!