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

[gkamer]

Now they do autos, motorcycles and off road vehicles

I might have to give them a look for my car (21 years old) and my truck (14 years old). I think we're paying close to $1,400 a year combined. I know that's crazy.

 

[gkamer]

Mine was $478.40 for the same, due next month. It did go up a few dollars since last year.

I believe mine went up a little over last year. Not by too much.

 

[Little Blue]

opcorn: Welcome to the wonderful world of Insurance company Rates.
Some Rates are not very good.
Others are down right ridiculous.
Some are affordable but really don't cover much.

Just check out every single detail.
You gets what you pay for most times.

Stay Healthy. :thumbup:

 

[Kromm]

I've done some shopping around. The big expense is collision. Without Collision added I can get it around $300 a year. I've checked with Progressive, Dairyland, Safeco, and Gieco so far. All are $1000.00 per year or more. With Gieco if I raise the deductible to $1000, It brings the rate down to $758 a year. I don't really like raising the deductible that high.
The Foremost web sight wants me to go to a local agent for a quote. I'll try and get by one this week and see what they say. I'd be more comfortable with $500 deductible ($250 would be best) and a yearly cost around $600.

 

[2dogs]

I could be wrong but I don't think a BRP dealership's service department would do a no cost collision estimate. Not unless they were going to do the repair. JMHO

 

[Joel The Biker]

Try Markel insurance. They specialize in motorcycle ins. I pay $76/year

 

[EdMat]

Try Markel insurance. They specialize in motorcycle ins. I pay $76/year

What kind of coverage can you get for $76 per year?

 

[UtahPete]

I just got my renewal bill on my 2018 GMC Canyon from State Farm, which is 20% higher than before. I was told that the increase is due to 3 factors;

1. I turned 75 putting me into a higher risk category
2. With 4 years' worth of claims experience on my model and year vehicle, its risk factor for loss has increased
3. My state (Utah) has seen a 10-15% increase in rates overall due to inflation and risk factors

No word yet on what my Spyder premium will be upon renewal

 

[Kromm]

I just got my renewal bill on my 2018 GMC Canyon from State Farm, which is 20% higher than before. I was told that the increase is due to 3 factors;

1. I turned 75 putting me into a higher risk category
2. With 4 years' worth of claims experience on my model and year vehicle, its risk factor for loss has increased
3. My state (Utah) has seen a 10-15% increase in rates overall due to inflation and risk factors

No word yet on what my Spyder premium will be upon renewal

I finally found Insurance at a cost I can live with through All State. 50K/100K, $250 deductibles, and uninsured motorist for $650 a year.

 

[shardt]

I go through Dairyland and pay 47 for full coverage a month for both on both of our 21 RTL Spyders. Cost has a lot to due with where you live, age, how long you have had an endorsement, driving record and credit score.

 

[2dogs]

What kind of coverage can you get for $76 per year?

Just enough to meet registration requirements and no more.

 

[IdahoMtnSpyder]

Just enough to meet registration requirements and no more.

Hope you never have to find out how short that coverage really is if you are ever the cause of someone's injury. Or do you have good personal liability coverage through a homeowner's policy?

 

[2dogs]

Hope you never have to find out how short that coverage really is if you are ever the cause of someone's injury. Or do you have good personal liability coverage through a homeowner's policy?

That's Joel the Biker's premium, not mine. Mine is $465/year. Did you see the commercial where the man and woman told the judge they've sold everything and all they have left was the savings for their son's college education, and the suing attorney said to the judge, we'll take that too?

 

[rjinaz86323]

2018 F3 Limited
Chino Valley, AZ

100-300k. BI/PD/L
100-300k. uninsured motorist
100-300k. underinsured motorist
no medical
Comp 375 deductible
Collision 375 deductible
Roadside assistance
Carried contents 1k/250 deductible
Accessories 3k
Physical Damage actual cash value
Disappearing deductible
Safety riding gear. 500

Annual premium $338

 

[RULINGCHAOS]

Missouri here .. 47 and no tickets. New rider. $30/month with progressive.

 

[ThreeWheels]

I'm using Progressive.
My annual premium is $468.
That's for all 12 months.
Some companies sell a 6 month policy which can save money, but I like the freedom of going out for a ride during a warm winter day.
I know, warm is relative, but sometimes it can hit 40°F in Jan and Feb.

 

[RangerRick]

Allstate 12 months

Coverage detail for 2013 Can-Am Spyder St
Coverage Limits Deductible Premium
Automobile Liability Insurance Not applicable $78.00
• Bodily Injury $50,000 each person
$100,000 each accident
(Passenger Liability is included)
• Property Damage $50,000 each accident
Auto Comprehensive Insurance Actual cash value $500 $91.40
Uninsured Motorists Insurance $107.90
• Bodily Injury $50,000 each person
$100,000 each accident
Not applicable
• Property Damage $20,000 each accident As Stated In Policy
Medical Payments $5,000 each person $500 $71.90
Total premium for 2013 Can-Am Spyder St $349.20

 

[RayBJ]

How about hearing from some folks who had to use their insurance? So far excellent with Famers. Wifey killed two deer with her jeep for about $5K each and some hail damage at $8K. Paid $3K for a lifetime factory warranty. She threw a cam chain at 200,500 miles for another $8.5K and that insurance paid to install a long block Hemi. No hassle on any of these claims.

Re: Handling of a claim by the Ins Company.
I Had a new Triumph Tiger 1200 with 3k miles and hit a deer 70 miles from home. I straightened the handlebars and rode home with no issues except tupperware damage. The bike cost $21,000, 3 months old. Progressive totaled the bike and paid full price plus new helmet, jacket, gloves, & pants. I walked away with no cost for a 3 month 'test ride' since the 1st loan payment was set for 6 months from purchase. The deer didn't make out as well!

 

[UtahPete]

Hope you never have to find out how short that coverage really is if you are ever the cause of someone's injury. Or do you have good personal liability coverage through a homeowner's policy?

I think the minimum in CA is for liability and is about what most people carry for liability anyway. Could be wrong about that.

 

[Kromm]

I think the minimum in CA is for liability and is about what most people carry for liability anyway. Could be wrong about that.

That may be true, the minimum coverage is Ca. is 15K/30K . That can be used up very fast in an accident. It leaves you open to a civil law suit for any balance that the insurance doesn't cover.