What Insurance Company are you using?

[V24me]

Don't need to know your coverage, or what you pay (that may be personal for some), but my insurance just went up by 23% while at the same time the bikes book value went down by about the same (no accidents or tickets), so what company do you use and would you recommend or not?

TIA

[specialx1]

you deserve higher rates you damn hippie!!!!
Specialx1

[V24me]

yep and you probably get a credit every month for like 70 bucks, just cuz you don't care

[specialx1]

mine insurance went down to 167.00 a year cause i dont do as many drugs anymore,, Progressive specialty insurance co
bodily 50,000 k person.100,000 k accident
property 25,000 each accident
comp   500.00 deduct
collision 500.00 deduct
3,000 custom parts included
roadside assistance

Specialx1

[truck]

I kept Progressive again because they had better rates than most others.
I think it was Foremost that quoted me a less that $10.00 better rate so I just kept Progressive.
In years past I had claims with Progressive and they handled them very quickly and fairly.

[thunderalley3]

I have had progressive for years, always been pleased, only needed them one time and they were right there, no problems, no haggles.

My rates went down this year also, I guess being 50 helps, for a year or two !!! 

[rkrdr2]

All I can say is..stay away from Dairyland...they have great rates..but if you have to file a claim...regardless of fault they will screw ya...

[HroadhogD1]

  I have Geico-$305.00 a year

[No Problem]

geico 100,000 on everthing full coverge year round 157.00 , progressive double after a claim deer hit

[jd8181]

progressive for my bike, cars, and home. i had farmers and the price kept going up and up each quarter and they couldn't tell me why and just kept saying it's not just you it everybody. so i switched everything to progressive and i'm saving a ton

[Big Dan]

Progressive here as well, for the bike, the house, and all the cars. We've been very pleased with them over all.

[Sonny S.]

Been with Progressive for my Harley's since 1989.
Home & Auto - Allstate.

[Porkchop]

Foremost

[getsthegrease]

American Family Insurance. Great rates, good coverage and an agent in town. A LIVE HUMAN BEING answers the phone. 

[L-]

GEICO  for about 40 years now. 

[smittyon66]

I had Markel for years. Good service but I just got quotes and Geico is $200 a year cheaper. Going to try them.

[Deye76]

Progressive - PL/PD
Theft - Glock, Smith&Wesson, Browning 12ga. not necessarily in that order

[brick1]

had progressive for several years.  started out at $192., last year it was $245, medical for passenger was 50/100, liability, comp, 500 deduc on coll. 

visited another Allstate agent about switching home policy because the witch we had kept telling us our "older" home didn't qualify for any hurricane discounts. 

he ran numbers on the bike and i'm down to $125 a year now, and better medical at 100/300.

Oh, and he saved us 900 on the home policy because we DID have the necessary hurricane items!!  i guess she didn't want us to get any discounts as her monthly comm check would have gone down!!

[Bulit]

RKRDR2,  I don't know what problem you had with Dairyland, but when my bike was stolen out of a locked garage they paid me almost what
I had into the whole thing within 2 months of filing my claim. The girl even asked if I was going to replace the bike, when I said yes she told me to call back and drop my coverage to the bare minimum to save money on my premium. By the way, I live in NY. Maybe the person you dealt with was a schmuck.

[Panzer]

Specialx1.......making comments to V2 like you did, I'd carry $1,000,000,000 of insurance.
Remark that way about me.......well....just take out a life insurance policy, a BIG one 

[specialx1]

  :hyst:ta both of ya

[harleyjt]

Progressive for the bike and the car. 
Had Geico on the bike for a number of years and then last year changed over to Progressive. Saved enough to make it worthwhile to change.
jt

[Dennis The Menace]

Cant get lower than Farmers in Colorado.  Unless you have bad credit or are an insurance risk, then Farmers would have to write you through their high risk carrier.  Info according to my agent who guarantees you cant find a lower rate in Colorado.

menace

[seattledyna]

progressive full coverage on all the bikes...however, when we moved to CA. from WA. and kept the exact same coverage and company our rates DOUBLED! for no reason other than in CA the whole "year" is riding season and in WA most folks park the bikes for fall thru spring.

[Hawg Holler]

I went with Geico because Allstate, the company I've used for at leat 30 years, didn't want to insure bikes three years ago. Now Allstate has a big ad campaign about how it's agents ride bikes and they want my business. I hate to change carriers if I don't have to, so unless Geico does a big rate change on me I'm probably staying with it.

[Kansas]

I've got everything except my business with American Family and last I cross checked they were competitive, and my agent is 5 minutes from home.  They paid for a wreck when my drugged out son took the OL's Honda and totaled it in Spokane and he wasn't listed as a driver.  I did have to sign a deal he would never drive one of our cars again.  Seemed reasonable.

[Tre_11 FLHX]

Got all vehicles with GEICO, 28 years now.  House is with farmers and getting ready to change, back in 1998 (when I first built the house) insurance cost me $500 a year, I am paying over $1700 a year now  .  Time to get some quotes!
Mike

[marc]

Rider Insurance...

http://www.njrider.com/

[Tollbooth]

 Had State Farm but $850. for 2 bikes is way too much. They know that you can only ride one at a time.
Had Formost but after the first year it went way up and was the same price as State Farm. 40% increase.
Tried Progressive thinking I would give them a chance and have been happy. $550. for 2 bikes with towing and 1st year replacement, all year coverage, etc. What I saved so far adds up to a free years coverage.
Shop around. Some are using a discount thru AARP. (over 50?)
If a company tries to get your business by giving you a low rate for the first year and making it up in the years later, DROP-EM.

[cheetah]

Have Progressive. However I just recieved renual notice. They went up over $100.00. Started geting quotes, And went with e-surance for about a little over half Progressive wants for the same coverage.
I have no info about how they handle claims, but hopefully I don't have to find out.
C

[driller]

I had Progressive for years on everything. The house, car, truck, bikes, RV.. I bought my new bike and checked into Geico on the advise of a friend and they have everything but the house now.. Saved me 300.00 every 6 months and it's all full coverage, pretty high limits and lower deductables. I'll be looking into switching the house when it comes due again.

[booman1958]

Had Geico they tried to get another $70 from me after 9 months of contract. Called and got it nulled. Then at the end of 1 year they sent a renewal and they doubled my premium. Called them because I had no tickets or claims on any thing I own, they said it was because there was alot of claims in my area. I told them to stick it and went with Foremost and rates have stayed the same for 2 years.

[harleyjt]

I went with Geico because Allstate, the company I've used for at leat 30 years, didn't want to insure bikes three years ago. Now Allstate has a big ad campaign about how it's agents ride bikes and they want my business. I hate to change carriers if I don't have to, so unless Geico does a big rate change on me I'm probably staying with it.

I always find that kind of crap amusing - especially with Allstate.   Years (many years) ago, I was needing car insurance when I was in school, and inquired at the Allstate counter at the local Sears store.  The agent there told me sorry, Allstate wouldn't write me because I was was under 21 yrs old.  Just not interested in selling me insurance.  No exceptions.   So I said ok, ended up with someone else and swore those SOBs would never get a penny of my money.  They haven't and they won't.  Screw Allstate.  I'll drive uninsured before Allstate gets any of my hard earned cash. 
jt

[justplainjim]

Geico, 100,000, 300,000 for $275 a year.  "09 RKC.

[95118]

I agree with staying away from Dairyland.  I thought they were terribble when I had to file a claim on my Dad's 1986 Tour Glide.  My dad was in the hospital and and I handled the claim for him and my mom.  He had just put quite a bit of money in it (Chrome and Rinhart True Duals) three to four months before the accident.  He had accesory coverage in his policy.  The bike was a total loss.  The first quote they were not going to pay anything for accessories because the bike was so old even though I had faxed them the reciepts for the accessories put on in the prior six months.  They claimed if the bike was a year or two old they would have paid the full amount but since it was 20 years old they didn't feel it was warranted to pay.  After some arguing the gave another 600 but that didn't cover it.  Needless to say I will never use Dairyland.
I have been with State Farm for 4 years but just switched to AIG last week(I know but I like the agent).  My AIG is $191 for the year 100/300/100 with a $250 deductible and I am 31 years old.

[95118]

One other thing my dad had insured with Dairyland I beleive since he bought the bike brand new.

[da piglet]

New York state - 62 yrs old
Had Progressive for 8 years on my Sportster..... >$200/yr
This month got the same level of insurance thru AARP/Foremost for <$100/yr

My 50 yr ol' DIL just picked up a '09 Softail Deluxe
For her State Farm was cheaper than AARP

$$ seem to be based on years ridin' and age,
and different companies weigh the factors differently

[apes]

SeattleDyna, Welcome to Calif...I get envious when folks start listing the cheap insurance they have, mine is $650 per bike  here in Calif, + the outrageous registration, but like you said you can ride just about everyday...

[truck]

Disregard post #4!   Stupid, stupid, stupid!!
I actually have Foremost through AARP and it was Progressive that quoted me a slightly better rate. The rest is true.

[Snuff™]

Have State Farm for past 23 yrs. 100/300/100, but State Farm has no Med Coverage.  They say they may start later this year. Cost range between different bikes $216-$285 each per year.

-Snuff

[Rags722]

State Farm for 30+ years.  Both cars, both bikes and the house.  If you go to State Farm, be sure to ask them to STACK the uninsured/underinsured coverage on all vehicles.  In my case it's like getting 4 times the coverage for the price of one.  Also, with State Farm, I went with the $1,000,000 umbrella coverage in case I'm sued.  That forced me to increase my actual coverage on the bikes and cars.  Funny thing happened.  By INCREASING the coverage, the cars both went DOWN by about $14 a year, and the bike cost went UP by about the same, so it was a wash.
You may be able to get cheaper coverage, but SF has been good to me when I do have a claim.
Rags

[V24me]

Great replies.  You've given me four to call and get quotes from now, and I'll know if I'm getting a fair price. 

Thanks MUCH,
Val

[PaJoe]

We have our cars and motorcycles with State Farm for over 30 years. Back in '78 when we purchased an 1100 cc Yamaha the regular motorcycle insurance was something like $600 so I called the agent that handled our car and got a quote of about $150 because they went on your driving record. I almost switched to the insurance the Harley dealers sell (Progressive?), but in the process they screwed something up with our Visa card and all hell broke loose, it less than a half hour my account was shut down and VISA security called because of the strange activity, I had to wait until the credit union opened to talk to them to get everything fixed.  I did not want to wait so I called State Farm and in a couple minutes they faxed the proof of insurance card to the dealer for my wife's new Blast purchase.