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Old 09-01-2014, 01:38 AM   #1
rumpus750
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Best motorcycle insurance?

Thinking about getting another bike. Not sure what to do insurance wise for a sportbike. I see some guys on the site that sell but want to look around before anything. Anybody have tips on whats best out there?
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Old 09-01-2014, 07:08 AM   #2
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Bundle state farm
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Old 09-01-2014, 08:13 AM   #3
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I checked Geico (who I have for the car), Allstate (where I have a friend that is an agent), Progressive, and State Farm. Progressive was the cheapest by a wide margin. I received some sort of firs-year-only discount with them, so I'm expecting to have my rate go way up after a year, at which time I will re-assess the rates. Progressive was at least $100 per month cheaper than the next cheapest, by the way...
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Old 09-01-2014, 10:04 AM   #4
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Your best bet is to shop around yourself. There will be no direct correlation between others' rates and yours in respect to providors. Insurance premiums aren't uniform, so look around.
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Old 09-01-2014, 10:09 AM   #5
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Remember, cheapest isn't necessarily best.
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Old 09-01-2014, 10:13 AM   #6
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State Farm was best for me. It's going to be different for most people. Too many factors. I would stick with a top tier insurance company
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Old 09-01-2014, 04:05 PM   #7
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I have Progressive through USAA. I have 'full coverage' and just a few months of experience and I pay about $76 a month.
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Old 09-01-2014, 05:17 PM   #8
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I think insurance companies put a random number in a hat, and pull it out when it comes time to pull insurance quotes.

I"m 26, no accidents, own my home, own two cars, and have three insurance policies, as well as home owners, and a boat.

when I got my insurance quote through geico it was 65/mo full coverage with 250 deductable. My brother in law, who is 27, owns two cars, a house, ect, no accidents, was quoted 250/mo full coverage ( same exact bike ). When I go to progressive i was quoted 3800/year, that's 316/mo for you non math wizards. he was quoted ( same bike ) at progressive at 120/mo.

We both tried state farm too, i was quoted 5k/year, and he was quoted 1300/year.

I don't believe insurance companies really look at anything other than how they are doing $$$ wise for the month. I know a big thing now, for some reason insurance companies look at your credit as well, not sure what it has to do with insurance, but they think it does.

Anyhoo, moral is, i really don't think you can get information from anyone here, or anywhere else on insurance. If you search insurance threads, you will notice everyone has a different opinion on what's the best, what isn't. In my experience, it's based on if they need to sell or need to stop selling policies.

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Old 09-01-2014, 05:43 PM   #9
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Quote:
Originally Posted by JiggaPLz View Post
I have Progressive through USAA. I have 'full coverage' and just a couple years of experience and I pay about $150 a YEAR.
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Old 09-01-2014, 08:39 PM   #10
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go an talk to agents in person, they usually get you lower rates compared to the online quotes
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Old 09-01-2014, 10:35 PM   #11
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i have progressive and their roadside assistance towing service sucks... best get AAA with it.
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Old 09-01-2014, 11:46 PM   #12
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I already gave a speel, but geico was cheapest for me and their road side is amazing. I broke down with a flat tire in the middle of nowhere up north in giddiness, and they paid the two truck driver over the phone as he wasn't in there network, no questions asked. They even towed me the next day to the dealership with no cost the dealership was closed as it was late in the evening .
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Old 09-02-2014, 03:33 AM   #13
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Quote:
Originally Posted by Yillbs View Post
I think insurance companies put a random number in a hat, and pull it out when it comes time to pull insurance quotes.

I"m 26, no accidents, own my home, own two cars, and have three insurance policies, as well as home owners, and a boat.

when I got my insurance quote through geico it was 65/mo full coverage with 250 deductable. My brother in law, who is 27, owns two cars, a house, ect, no accidents, was quoted 250/mo full coverage ( same exact bike ). When I go to progressive i was quoted 3800/year, that's 316/mo for you non math wizards. he was quoted ( same bike ) at progressive at 120/mo.

We both tried state farm too, i was quoted 5k/year, and he was quoted 1300/year.

I don't believe insurance companies really look at anything other than how they are doing $$$ wise for the month. I know a big thing now, for some reason insurance companies look at your credit as well, not sure what it has to do with insurance, but they think it does.

Anyhoo, moral is, i really don't think you can get information from anyone here, or anywhere else on insurance. If you search insurance threads, you will notice everyone has a different opinion on what's the best, what isn't. In my experience, it's based on if they need to sell or need to stop selling policies.

Credit- they feel the better your credit the more responsible you are. Kind of makes sense.

I'll second this I've had the same co. for 4 yrs. Nothing has changed in my life except my job and I have 2 new 0%int. credit cards that I am carrying small balances on and this yr. my premiums rose by 50%. I called my agent and she put us on a 3way with a person with the insurance co. they couldn't explain why either.
After this coming trackday I'm gonna do some shopping around myself.
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Last edited by The BeastMaster; 09-02-2014 at 03:36 AM.
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Old 09-02-2014, 05:29 AM   #14
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Old 09-02-2014, 08:31 PM   #15
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