why are they so high in texas. best rate for me, at age 61 is $1070 per year. clean record, senior citizen. go figure. have shopped around. my quote was from a guy who writes for progressive here in texas. I hate it when companies try to control you.
Reply #1
by
Excavator
on 17 May, 2011 17:34
Don't know but I have Progressive here in Arkansas for under $500.00.
53. setx. clean record. progressive full coverage + injury + uninsured = $584 full coverage w/o injury / uninsured = $249 i've been with them for so long i have "diamond" membership. sometimes that whole shopping around thing will cost you discounts for loyalty/longevity
Are you a member of AARP? If so get a quote from Foremost thru AARP. They had the best price by far that I could find. Full coverage with $300,000 in liability for just over $500 a year.
I live in Texas and I just switched my policy to Progressive. 41 YO male, homeowner, married. No tickets/accidents, DL with motorcycle endorsement.
Got a 100k/300k liability policy with UM/UIM coverage of 30k/60k, collision and comprehensive coverage with 1k/1k deductibles and road side assistance for $321 annually.
Liability only would have cost $140.
You can get a quote and purchase online in 10 minutes.
It will depend on what county you live in. Dallas, Harris, Travis and Bexar counties will be higher than others.
Dallas area resident, 25 years old, clean record, 2011 Connie is around $450 a year with allstate. Also have another bike plus my house and truck with them so I'm sure that is helping. But, they blew all other companies away when I switched a little over a year ago.
It seems like I already just posted this a while ago. Not Texas, but useful for comparison:
VA, 40-something, male, unmarried, clean record, full coverage, 2011 Concours, State Farm:
Liability $100k/person $300k/accident $50k/property $100 deductible Collision $250 deductible Comprehensive $100 deductible No medical (I have health insurance)
If you haven't checked with Dairyland, that would be worth a shot. I had progressive for a couple months since USAA sent me to them since they don't offer MC insurance to service members. I saved over $500 a year by switching to Dairyland and getting the exact same coverage.
Am 54 and nearly killed myself and totaled a car last September with total insurance payout around &100k to fix me and replace car and told Foremost all this and they smoked everyone for full coverage on my brand new 09 two weeks ago. 100/300/100, comprehensive, uninsured motorist, 5000 medical and $500 deductible was $590/year. Progressive and everyone else with less coverage was double. Jeff
I'm at about $300 yr. for full coverage for the connie, liability for the brute force 750 and her scooter with geico. It varies to much though. My gl1500, kz1300, and klr650 are insured with progressive. There seems to be no consistency with these people so I go with whos cheapest for the vehicle in question. I'm 48 and in the tucson area
I would definitely shop around. I was with Dairyland, but Progressive came in cheaper this time.
Also, if you can live without covering the bike, you'll save a boatload. Adding collision/comprehensive more than doubles the cost. When I first started riding, I dropped property coverage for my sportbike because I would have been paying for a new bike every few years in premiums and my premiums dropped to about 1/3 of what it had been.