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Registered ConfUser
Join Date: Aug 2006
Location: Waterlogged
Posts: 23,751
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Motorcycle Insurance
Looking for advice regarding bike insurance. Paying a small fortune because my BMW is considered a sport bike. I hate insurance companies more than almost anything. No tickets or accidents in 20 years +, yet they want about 1600/year for full coverage with 1000 deductible (Foremost).
Any suggestions?
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Mike “I wouldn’t want to live under the conditions a person could get used to”. -My paternal grandmother having immigrated to America shortly before WWll. |
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03-04-2016, 07:15 PM
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Registered
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I have switched from Progressive to Geico and back to Progressive in the last two yrs. My K1200R is around $600/yr with $1000 ded. Also have a very clean record.
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2022 BMW 530i 2021 MB GLA250 2020 BMW R1250GS |
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03-04-2016, 08:31 PM
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Registered
Join Date: Mar 2004
Location: Higgs Field
Posts: 22,738
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I have found this to be as agent specific as it is company specific. I would try asking at a local bike shop that specializes in sport bikes and see who they like. I found some agents and or companies that could give me a deal on the Harley wanted nothing to do with my Ducati, and vis versa.
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Jeff '72 911T 3.0 MFI '93 Ducati 900 Super Sport "God invented whiskey so the Irish wouldn't rule the world" |
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03-04-2016, 10:03 PM
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Team California
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I lumped my bikes into my auto policy with AAA, not sure how much the bike part was but seem to remember it being pretty reasonable. Definitely not anywhere near $1600 a year. It helps that my main bike is an old BMW airhead. They are cheap to insure.
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Denis |
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03-04-2016, 11:33 PM
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Dog-faced pony soldier
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Don't need it in NH.
 . $0.
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03-05-2016, 03:27 AM
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Registered
Join Date: Feb 2007
Location: Seattle
Posts: 321
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Just insured a new 2015 Moto Guzzi Norge 1200 GT-8V - $515/year State Farm $100 deductible comprehensive; $500 deductible collision. 100/300 liability.
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James |
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03-05-2016, 04:53 AM
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Registered ConfUser
Join Date: Aug 2006
Location: Waterlogged
Posts: 23,751
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As much as I hate to contribute to their ubiquitous advertising, I signed up with Progressive. $846 year with comp and collision with $1K deductible. Sport bike category makes it tough but at 175hp, it's hard to argue with them over category.
Was almost half of Foremost so glad it's done. Appreciate the suggestions. Nice day for a ride here in GA!
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Mike “I wouldn’t want to live under the conditions a person could get used to”. -My paternal grandmother having immigrated to America shortly before WWll. |
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03-05-2016, 05:38 AM
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Registered
Join Date: Sep 2001
Location: Dismal Nitch, AZ
Posts: 9,042
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I recently added another bike to my Progressive motorcycle policy and the total that I pay for all of them went down $18.
Been w/them off/on for 15 - 20 years. I only pay for liability.
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Don . "Fully integrated people, in their transparency, tend to not be subject to mechanisms of defense, disguise, deceit, and fraudulence." - - Don R. 1994, an excerpt from My Ass From a Hole in the Ground - A Comparative View |
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03-05-2016, 06:53 AM
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Registered
Join Date: Jul 2005
Location: San Jose
Posts: 4,624
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I have all of my insurance through USAA except for the XR. USAA deferred me to Progressive. My policy is $142.75 by annually. I also have a spotless record. (knock on wood)
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Dan 2002 996 C4 Cab w/ Jake Raby 4.0 2024 Tacoma TRD Offroad 4x4 2003 Range Rover HSE |
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03-05-2016, 09:37 AM
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Registered
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Insurance curmudgeon.
I squander $150/yr to cover six bikes (also covers my 26 yr old son or it would be a bit less). They're toys; they break (wreck) I'll get another. Zero claims in 40 years of riding.
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down to jap bikes that run and a dead Norton |
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03-05-2016, 03:09 PM
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Registered Cruiser
Join Date: May 2004
Location: Pursuing Happiness
Posts: 3,892
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You guys have nothing to complain about:
2012 DUCATI Multistrada No accidents No claims No tickets 50 years old $1800/year BC has one insurance provider. No competition.
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87' Carmine Red Carrera - Keeper 82' Silver SC - Sold 79' Gran Prix White SC - Sold 05' Black C2S - Daily driver I have never really completely understood anything. |
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03-05-2016, 09:44 PM
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Registered
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Join AMA if you are not already a member. Good for discount on Dairyland and Progressive insurance, maybe others as well.
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Lorraine 83 SC CAB RoW 2003 C4S coupe 07 BMW R1200RT 76 BMW R90S 76 BMW R60/6 |
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03-06-2016, 05:44 AM
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Burn the fire.
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For the bike I have Pacific Specialty. $300/yr, liability + collision and comprehensive, med pay, etc. $500 deductible I think. Includes roadside assistance too.
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[x] Working | [_] Broken: 2017 Victory Octane [x] Working | [_] Broken: 2005 Ram 1500 SLT w/5.7L Hemi "Drive it like you stole it." |
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03-06-2016, 09:35 AM
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I see you
Join Date: Nov 2002
Location: NJ
Posts: 30,019
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Quote:
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Si non potes inimicum tuum vincere, habeas eum amicum and ride a big blue trike. "'Bipartisan' usually means that a larger-than-usual deception is being carried out." |
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03-06-2016, 11:57 AM
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I see you
Join Date: Nov 2002
Location: NJ
Posts: 30,019
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Quote:
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Si non potes inimicum tuum vincere, habeas eum amicum and ride a big blue trike. "'Bipartisan' usually means that a larger-than-usual deception is being carried out." |
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03-06-2016, 11:58 AM
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What?
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I got an FZ-09, Insurance said it was considered a sport bike and could not insure it. Wanted to outsource at some ungodly rate.
I said, nope, not gonna pay it. I've had full on sport bikes insured for way less. Agent said, send me a pic, I'll give it to my underwriter and see what he says. Bingo! Got the rate I wanted by complaining.
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________________________________________ Eric Hahl 85 911 to 73RS backdate, a.k.a. "Gretchen" (SOLD) 2015 981 Cayman S (Sold) 23 Outback Wilderness & 23 BMW R1250GS |
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03-06-2016, 04:32 PM
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Registered
Join Date: Sep 2007
Posts: 56
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Try Allstate. I pay $217/year on a 2010 R1200R.
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03-07-2016, 10:01 PM
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Registered
Join Date: Mar 2014
Location: Calgary, Alberta
Posts: 424
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Quote:
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03-08-2016, 01:59 PM
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Friend of Warren
Join Date: Oct 2000
Location: Lincoln, NE
Posts: 16,517
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Progressive
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Kurt V No more Porsches, but a revolving number of motorcycles. |
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03-08-2016, 02:06 PM
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Burn the fire.
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Quote:
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[x] Working | [_] Broken: 2017 Victory Octane [x] Working | [_] Broken: 2005 Ram 1500 SLT w/5.7L Hemi "Drive it like you stole it." |
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03-08-2016, 05:45 PM
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Only Porsche
Only bike
the stable a few years ago
2013 
Lorraine
2003 Porsche C4S
2017 Victory Octane
2005 Dodge Ram 1500 SLT
Gretchen
