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View Full Version : Who do you guys use for insurance?



vortech302
11-04-2009, 05:25 PM
I use USAA for my bike now, but I guess I must have been grandfather'd in cause their rates are sky high if I were to add another bike to my policy.

Bob
11-04-2009, 05:30 PM
I use LOOK. They where the cheapest when I shopped around.
EDIT: I don't have full coverage though. I have theft only.

telecast
11-04-2009, 07:13 PM
Progressive.

jerrygsx
11-04-2009, 08:07 PM
I have Progressive. 10/year for roadside assistance is nice to have.

RedneckMedic
11-04-2009, 08:54 PM
i have progressive as well. i pay 450 a year for full and im 20 so i thought it was a good price compared to what state farm quoted me of over a grand for the year. i do have 4 points to

vortech302
11-04-2009, 09:23 PM
I got an alright quote from Progressive, I'll look into LOOK tomorrow haha, waiting on three other places to get back to me. I found this Busa that I want but I'm not willing to pay an extra $500 over what I'm paying now to own it.

Gas Man
11-04-2009, 09:25 PM
If you dont have points...

This has been discussed so many f'in times I can't remember.

State Farm will beat anybody elses price.

Bob
11-04-2009, 10:41 PM
If you dont have points...

This has been discussed so many f'in times I can't remember.

State Farm will beat anybody elses price.

They wouldn't beat what I got at LOOK. We shop around for new insurance every year and this year nobody could beat them on the bike.

Gas Man
11-05-2009, 12:13 AM
Yeah and good luck when you have to have a claim.

RedneckMedic
11-05-2009, 12:20 AM
my buddy had look and he got mad at his bike and kicked it one day so it fell over bent the bars a little and dinged a few other things and they gave him what the bike was worth to get a new one and they didnt even total it so he fixed it up for like 100 bucks and came out ahead..... now bob dont go and kick over that new bobber of yours

telecast
11-05-2009, 11:51 AM
I thought you decided to go cruiser next time?

I think I pay $330/year for the 883 and $540/year for the 1580, then they give me a $100 discount for multiple vehicles. That's full coverage with roadside assistance on both. The XL is currently in storage mode, which removes the collision and roadside, saving another $50/year.

So, right now I'm at $720/year for both.

vortech302
11-05-2009, 09:25 PM
I thought you decided to go cruiser next time?

One thing I've noticed about myself is that I'm not very bright, so why not 200 MPH capability.

Bob
11-05-2009, 10:37 PM
my buddy had look and he got mad at his bike and kicked it one day so it fell over bent the bars a little and dinged a few other things and they gave him what the bike was worth to get a new one and they didnt even total it so he fixed it up for like 100 bucks and came out ahead..... now bob dont go and kick over that new bobber of yours

Yeah, I've had excellent results with LOOK. It's what I've used on all of my bikes. They are basically just a broker. The insurance is actually through someone else but I go to a LOOK office for everything.

And I only have theft on this bike so I won;t be doing that any time soon. LOL

ccRider246
11-06-2009, 08:17 AM
I have USAA for all of my insurance but they won't insure a motorcycle now so they partner with Progressive. Progressive supposedly has a special rate for USAA members. I am paying about $325 a year for full coverage on my '81 CB750F.

vortech302
11-06-2009, 08:50 AM
I have USAA for all of my insurance but they won't insure a motorcycle now so they partner with Progressive. Progressive supposedly has a special rate for USAA members. I am paying about $325 a year for full coverage on my '81 CB750F.

They (USAA) quoted me $900 for the year and said that Michigan is one of the states they still offer motorcycle insurance on. The lady told me the reason but I can't remember why. I guess I might be being unrealistic about it, but I only pay $166 for 6 months for my 600 and can't understand why it would be so much more. So if anyone's thinking of shopping around here's some prices I've gotten so far:

32, no claims/tickets in 5 years, $1000 deductible, uninsured motorist coverage

USAA $900
Progressive $750
Farmers $3200
Goodwin, Lageman (Southgate) $800
Motor City Insurance (Roseville?) Progressive's rate, but dropping collision in the winter $640
Two other places that didn't call back

Goodwin offered discounts if I switched my auto and homeowners over, and I'm waiting on a quote from LOOK.

Bob
11-06-2009, 11:28 AM
$3200 for Farmers?!??!

telecast
11-06-2009, 12:40 PM
$3200 for Farmers?!??!


:eek::eek::eek:

telecast
11-06-2009, 01:19 PM
Remember, it's going to be affected by age, driving record, size of the engine, how popular the bike is to thieves, and where you live.

When we moved from Wayne to Monroe county about 15 years ago, our auto insurance went down about 15% across the board.

vortech302
11-06-2009, 04:18 PM
When we moved from Wayne to Monroe county about 15 years ago, our auto insurance went down about 15% across the board.

My premium went up $36 for 6 months moving from Brownstown to Southgate.

telecast
11-06-2009, 04:23 PM
So, does that mean you were successful in closing on the house? Good for you!

vortech302
11-06-2009, 07:05 PM
So, does that mean you were successful in closing on the house? Good for you!

Thank you, closed October 15th, been messing with stuff but I'm ready to move in now.

telecast
11-06-2009, 08:08 PM
Er...um...moving? Uh...I...um...got something to do that day.... :rolleyes:

ccRider246
11-09-2009, 08:29 AM
They (USAA) quoted me $900 for the year and said that Michigan is one of the states they still offer motorcycle insurance on. The lady told me the reason but I can't remember why. I guess I might be being unrealistic about it, but I only pay $166 for 6 months for my 600 and can't understand why it would be so much more. So if anyone's thinking of shopping around here's some prices I've gotten so far:

32, no claims/tickets in 5 years, $1000 deductible, uninsured motorist coverage

USAA $900
Progressive $750
Farmers $3200
Goodwin, Lageman (Southgate) $800
Motor City Insurance (Roseville?) Progressive's rate, but dropping collision in the winter $640
Two other places that didn't call back

Goodwin offered discounts if I switched my auto and homeowners over, and I'm waiting on a quote from LOOK.

After reading this I had to go look at my policy again. I was wrong about the cost. The coverage is 100,000/300,000/100,000. The bike is valued at $3,000. The cost is $212.00/year (includes roadside assistance). I bought this policy in April 2009. That is when USAA told me they don't insure bikes in Michigan anymore. If you talked to them after maybe they reverted back to underwriting in this state again. I'm 61, no accidents, last ticket was 10+ years ago, have had a motorcycle endorsement since early '70's.

vortech302
11-09-2009, 10:11 PM
Geico $1185/6 months
Esurance $794/6 months

jpswino
11-09-2009, 10:28 PM
Progressive, but they suck!

Gonna switch to Travelers because I can get a discount through the company I work for presently.