Kawasaki Concours Forum
The C-14, aka Kawasaki Concours-14, the new one :) => The Bike - C14/GTR 1400 => Topic started by: Rocket Therapy on September 05, 2012, 12:27:58 PM
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At the present I'm paying 220 dollars a year for the O 7 Triumph
Rocket 3 full coverage. Geico wants for 440 a year for the connie
they said because it's a "sports" bike I tried to convince them it would a "touring" bike but they wouldn't go for it. I know the rocket is older but I didn't expect that much. I know some of you younger guys are probably paying more than that but I'm 50 + with a clean record. Does that sound reasonable to you "more experienced gents"
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If you have State Farm for your auto, go with them, it will be much cheaper. They won't insure your bike though unless you have car insurance with them.
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I know State Farm has the bike classified as "sport touring" on my policy, and not in with sport bikes.
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I just switched my C14 Motorcycle insurance from State Farm to Progressive at lunch today. And I've been an advocate of State Farm forever. Only my motorcycle got changed, not my other vehicles nor pro camera gear.
If in FL it will be very worthwhile to look into it. I bought mine from the agent at: eurocyclesoftampabay.com
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www.rider.com (http://www.rider.com) (only available in selected states, though) I pay $160.00 a year to fully cover the FJR. ;D
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I switched my bikes over from State Farm to Progressive last Friday, I had our house, RV, cars, and bikes all with State Farm but I wanted to add addition coverage for accessories and State Farm does not offer that...
I'm really pleased with what I got from Progressive, for $560/yr I have my Gixxer (+ $5k in accessory coverage, which I didn't have with SF) and my Connie (+$15k in accessory coverage) and road side and trip coverage for both (which I didn't have with SF). I was paying $510/yr with SF for just the insurance and no road side assistance or any accessory coverage.
Trust me guys, if you have accessories on your bike make sure to add the additional coverage for them (also includes helmet, gear, etc), otherwise you run the risk of only getting straight up stock book value if your ride gets jacked or totalled...
Thanks to Loren for showing me the way! :thumbs: :hail: :grouphug: :chugbeer:
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I've had all my stuff with State Farm for YEARS. When I got my C14 I just went with them without looking around. After a year I checked into other companies because of a thread like this. I ended up switching from State Farm ~$400/year to Allstate ~$200/year for slightly better coverage.
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I've got the C14 and the wife's ride at Progressive for a total of $424 after all discounts. Since I'm not ZG, I think I should be fine with the $3000 accessory coverage that's included. ;D
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I've had all my stuff with State Farm for YEARS. When I got my C14 I just went with them without looking around. After a year I checked into other companies because of a thread like this. I ended up switching from State Farm ~$400/year to Allstate ~$200/year for slightly better coverage.
I went the opposite direction... Allstate couldn't touch what SF offered... and I had been with Allstate since I was 16. But, I didn't shop much when I went to SF, so I think it's time to make them work for my business.
I think individual agents have some discretion on what they can offer, otherwise my experience and Conrad's would be more similar, and not the complete opposite.
FYI, no accidents or violations when I switched, and I have multi-vehicle and renters.
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www.rider.com (http://www.rider.com) (only available in selected states, though) I pay $160.00 a year to fully cover the FJR. ;D
Riders Ins, just quoted , lowest 197.00, and little better than what i have now with geico, 286.00 and geico wants 440.00????
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I've been loyal to State Farm for bikes since they didn't surcharge sport bikes. My RC51 and my ZX1000R were both simply classified by their displacement. My C14 is only $264 per year with them. Full coverage.
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I've been loyal to State Farm for bikes since they didn't surcharge sport bikes. My RC51 and my ZX1000R were both simply classified by their displacement. My C14 is only $264 per year with them. Full coverage.
And mine is about double that... still SF, still full coverage (no violations). That's why I figure there's individual discretion from agent to agent.
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I've been loyal to State Farm for bikes since they didn't surcharge sport bikes. My RC51 and my ZX1000R were both simply classified by their displacement. My C14 is only $264 per year with them. Full coverage.
But no accessories coverage P, you'll only get straight up book value in a total loss...
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I just checked out Rider Insurance but they are not get available in VA. Bummer
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At the present I'm paying 220 dollars a year for the O 7 Triumph
Rocket 3 full coverage. Geico wants for 440 a year for the connie
they said because it's a "sports" bike I tried to convince them it would a "touring" bike but they wouldn't go for it. I know the rocket is older but I didn't expect that much. I know some of you younger guys are probably paying more than that but I'm 50 + with a clean record. Does that sound reasonable to you "more experienced gents"
$220 was probably too low. But $440 is too high. You don't describe the insurances, your location, or even your bike year, so it is hard for anyone here to compare.
2011 C14, I pay $362 with State Farm Virginia, no record, no accidents; deductibles: $250 collision, $100 other than collision; $100,000/$300,000 liability, $50,000 property.
I don't think it is a GREAT rate, but it is not bad for *good quality* insurance. Things like "Rider Insurance" might be cheap, but I have never heard of them and have no idea about their coverage, policies, customer service, or quality (not available here anyway).
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I went the opposite direction... Allstate couldn't touch what SF offered... and I had been with Allstate since I was 16. But, I didn't shop much when I went to SF, so I think it's time to make them work for my business.
I think individual agents have some discretion on what they can offer, otherwise my experience and Conrad's would be more similar, and not the complete opposite.
FYI, no accidents or violations when I switched, and I have multi-vehicle and renters.
It must be different from state to state. My State Farm agent admitted to me that he was surprised that I insured my bike through him. In Illinois they don't offer any discounts for bikes, or didn't then. While Allstate offered me all kinds of discounts, from ABS to taking rider's courses.
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for the progressive guys, if you don't already, check into the additional towing or something rider policy. its super cheap. also if you skip it off the cliff, it covers fishing and transportation, ;D. like roadside assistance.
wish i was smarter and could remember what it was, lol
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I've been loyal to State Farm for bikes since they didn't surcharge sport bikes. My RC51 and my ZX1000R were both simply classified by their displacement. My C14 is only $264 per year with them. Full coverage.
That is a REALLY low rate for State Farm. Your bike is several years older than mine, though. But still. Makes me wonder what's going on.
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for the progressive guys, if you don't already, check into the additional towing or something rider policy. its super cheap. also if you skip it off the cliff, it covers fishing and transportation, ;D . like roadside assistance.
wish i was smarter and could remember what it was, lol
Yep, I got that. It's $10/yr for the roadside assistance/tow or $15/yr for road side assistance/tow/trip ("trip" is if you're more than 100 miles from home they will credit you back for up to $500 for food, lodging, etc while you wait for any needed parts to arrive)... :)
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I have Progressive. I wanna' say I was paying something like $480/year for the C14. Interesting, Progressive covers ALL accessories on the bike. They told me that when I was addressing a claim for damages (bike fell over).
Another thing, I got a 06 KTM 525 EXC that I needed to add to my policy (going from 1 street bike to 2). So I ask them, what is multi bike discount, and what is cost to insure KTM???
The increase on the policy to cover the KTM was like $75, the multi bike discount was like $85. So Progressive is paying me $10/yr to cover my KTM.
NICE.
Barry
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First of all, you do not need any type of insurance for a C-14; it is already protected by what amounts to a force- field of 'goodness'. If you do not believe me, go to your nearest Kawasaki dealer and I betcha' you cannot even kick a C-14 over- KiPass is THAT good. Really, give it a try- if anyone tries to interfere just tell them about the fob's magical powers and they will surely step back and let you have at that new C-14.... If you have a personal friend with a C-14 you can test this theory out on his / her bike as well, Better yet, go to an event where there are a LOT of C-14's (like a COG event) and try it on a while line of them! Just try kicking the last one in the line over onto the others and see if KiPass does not protect them all from the domino effect.
Insurance on motorcycles seems to be based on local area as much as anything else. A high rate of motorcycle theft means a higher insurance rate or so it seems. And yes, $400 / year for full coverage sounds about right, especially if the deductible is low. Drop collision and comprehensive (fire and theft I believe) and watch the rate drop, especially for us old folks with clean driving records.
Brian
At the present I'm paying 220 dollars a year for the O 7 Triumph
Rocket 3 full coverage. Geico wants for 440 a year for the connie
they said because it's a "sports" bike I tried to convince them it would a "touring" bike but they wouldn't go for it. I know the rocket is older but I didn't expect that much. I know some of you younger guys are probably paying more than that but I'm 50 + with a clean record. Does that sound reasonable to you "more experienced gents"
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Riders Ins, just quoted , lowest 197.00, and little better than what i have now with geico, 286.00 and geico wants 440.00????
All of these are $250 DED and 24/7 roadside and towing for a 2012 Concours, no points, no ticket, no crashes
197.00
BI = 20/40,000
PD - 10,000
uninsured and under insured
which isn't much
286.00 is
BI=50/100,000
PD= 25,000
uninsured and under insured
334.00 is
BI-100/300,000
PD=50,000
uninsured and under insured
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That is a REALLY low rate for State Farm. Your bike is several years older than mine, though. But still. Makes me wonder what's going on.
It depends on where you live of course. I also have my homeowner's insurance with them as well as my car, and a safe driver discount.
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[Rider's Insurance brand] All of these are $250 DED and 24/7 roadside and towing for a 2012 Concours, no points, no ticket, no crashes
$197.00
BI = 20/40,000
PD - 10,000
uninsured and under insured which isn't much
Exactly my point in the other posting. *GOOD* insurance costs more for a reason. When you jack up the coverages to the highest level you listed, it is about the same cost as my State Farm premium.
Of course, the debate could be endless as to what the levels of coverage SHOULD be for liability, injury, and un-insured/under-insured. Probably a topic well over my head and perhaps most peoples'.
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It depends on where you live of course. I also have my homeowner's insurance with them as well as my car, and a safe driver discount.
I have asked them NUMEROUS times about that. The answer is always very similar to:
"State Farm offers no discounts on motorcycle insurance based on having other insurances with State Farm. The policies are underwritten totally differently and separately. The rates are unaffected by claims on your automobile or home policy. The rates are based on geographic location, type and cost of bike, your age/gender, your driving record, and your motorcycle claims."
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Your motorcycle claims? You mean like "I ride fast but very, very well." ?
Brian
I have asked them NUMEROUS times about that. The answer is always very similar to:
"State Farm offers no discounts on motorcycle insurance based on having other insurances with State Farm. The policies are underwritten totally differently and separately. The rates are unaffected by claims on your automobile or home policy. The rates are based on geographic location, type and cost of bike, your age/gender, your driving record, and your motorcycle claims."
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I have asked them NUMEROUS times about that. The answer is always very similar to:
"State Farm offers no discounts on motorcycle insurance based on having other insurances with State Farm. The policies are underwritten totally differently and separately. The rates are unaffected by claims on your automobile or home policy. The rates are based on geographic location, type and cost of bike, your age/gender, your driving record, and your motorcycle claims."
I agree with Max, when I contacted SF about switching my bikes to another provider they said it would have no effect on my insurance rate for the house, RV, cars, etc, bikes don't count towards multicar discounts etc.
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Progressive gave me and my questionable record an amazing rate. Under 250.00 per year for full coverage with decent limits. I thought they may also have a good rate when I went to add the Ninja 1000 to the same policy.....LOL They wanted 10 TIMES as much as the c14...not a miss-type...over 10 times.
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Something to remember (just like your dealership).... "Service after the sale".
The price may be good but if you ever have to file for a claim with your vendor (be it SF, Allstate, GEICO, Progressive, Riders Inc, USAA), you hope you get prompt service, speedy payment, and a no hassle claim process.
I you hope you never have to file a claim, but remember, if and when you do, at least you got a good price.
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Progressive wanted to 569 for the rocket I got it at geiko for
220 Now geiko insurance wants 440 dollars for the C 14. I'm going to shop around for a different progressive agent And see what they say
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www.rider.com (http://www.rider.com) (only available in selected states, though) I pay $160.00 a year to fully cover the FJR. ;D
I didn't mention before, but my deductible is $1000.00
BI: $25k
PB: $10k
UM/UIM BI: 25k per person / 50K per accident
I carried State Farm for years. I was dishing out $408 a year w/ a $1000 deductible.
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$220 was probably too low. But $440 is too high. You don't describe the insurances, your location, or even your bike year, so it is hard for anyone here to compare.
2011 C14, I pay $362 with State Farm Virginia, no record, no accidents; deductibles: $250 collision, $100 other than collision; $100,000/$300,000 liability, $50,000 property.
I don't think it is a GREAT rate, but it is not bad for *good quality* insurance. Things like "Rider Insurance" might be cheap, but I have never heard of them and have no idea about their coverage, policies, customer service, or quality (not available here anyway).
I believe I am around $220 with Dairyland "Sentry", and I have an excellent coverage package. It is classified as sport touring, they actually know motorcycles. 8)
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Something to remember (just like your dealership).... "Service after the sale".
The price may be good but if you ever have to file for a claim with your vendor (be it SF, Allstate, GEICO, Progressive, Riders Inc, USAA), you hope you get prompt service, speedy payment, and a no hassle claim process.
I you hope you never have to file a claim, but remember, if and when you do, at least you got a good price.
That is so true. I have never had any issues with claims through State Farm, part in which is due to the agent. It is always good to develop a relationship with a good agent. I was with the same guy for over 20 years until he retired. I am now with the guy who took over his clients and have a great relationship with him. It is nice to simply make one call and get what I need done.
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I have Progressive also. I pay $223 a year for full coverage with $100 deductible, roadside and 3K accessory coverage. They classify the C14 as a touring bike...
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That is so true. I have never had any issues with claims through State Farm, part in which is due to the agent. It is always good to develop a relationship with a good agent. I was with the same guy for over 20 years until he retired. I am now with the guy who took over his clients and have a great relationship with him. It is nice to simply make one call and get what I need done.
Haha, I use to believe that until my father almost got screwed by State Farm. He had been with them for ~40 years without a single lapse in coverage or claim filed. Anyways, it took ~2 years of court dates and the hiring a private law firm (out of pocket) to get them to pay what they were legally obligated. In the end, with attorney fees, court costs and fines, it cost State Farm nearly 2x as much.
Insurance companies are in business to make money, period! They will do everything in their legal power to delay, short or deny a claim if they can legally get away with it or make you go away. In the case with my father, a technicality in his policy led them to believe that they had the upper hand on the situation. In the end, their technicality proved to be against state insurance laws.
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I'm with Progressive in VA and pay 218 for the C14. Insurance cost is so relative to the state where you live and even down to your locality. The problem with most insurances is that they all creep up eventually even if you have a perfect record, at least they have with me. And now they even look at your credit score. You just can't win. I put them in a category very slightly above lawyers.
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I'm with Progressive in VA and pay 218 for the C14. Insurance cost is so relative to the state where you live and even down to your locality. The problem with most insurances is that they all creep up eventually even if you have a perfect record, at least they have with me. And now they even look at your credit score. You just can't win. I put them in a category very slightly above lawyers.
We can thank all the dishonest people out there for that. >:(
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I just priced progressive insurance in my hometown 50 100,000. 250 deductible uninsured and underinsured roadside and towing. Are you ready for this 1269 dollars a year. That is insane
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I just priced progressive insurance in my hometown 50 100,000. 250 deductible uninsured and underinsured roadside and towing. Are you ready for this 1269 dollars a year. That is insane
:yikes:
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This is what Progessive offered me for full coverage on my 09 and liability on my 06 I live in NC. No points and perfect riding record
Bodily Injury & Property Damage: $100,000 person/$300,000 accident/$50,000 property damage
Uninsured Motorist Bodily Injury: No coverage
Uninsured/ Underinsured Motorist Bodily Injury: $100,000 person/$300,000 accident
Uninsured Motorist Property Damage: $25,000 property (with $100 deductible)
Transport Trailer: No coverage
Vehicle coverages for 2009 KAWASAKI ZG1400A :
Physical Damage Options: Actual Cash Value
Other Than Collision: $500 deductible
Collision: $500 deductible
Disappearing Deductibles: Selected
Towing & Labor: Selected
Accessory coverage: $3,000 (Included)
Vehicle coverages for 2006 KAWASAKI ZG1000 :
Physical Damage Options: Actual Cash Value
Other Than Collision: $500 deductible
Collision: $500 deductible
Disappearing Deductibles: Selected
Towing & Labor: Selected
Accessory coverage: $3,000 (Included)
$817.99 per year.
Cheers
Ron
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That is so true. I have never had any issues with claims through State Farm, part in which is due to the agent. It is always good to develop a relationship with a good agent. I was with the same guy for over 20 years until he retired. I am now with the guy who took over his clients and have a great relationship with him. It is nice to simply make one call and get what I need done.
Don't know what you think an agent can do for you when you wreck- when you wreck or have any claim, you are at the mercy of the claims dept and they could give a %$*# what an agent (or anyone else) says.
My experience as a former claim adjuster is that State Farm sucks, that rather than settle for an extra $100, they'd rather litigate and they were always the kings of shenanigans, like lowballing home owners during disasters or telling shops to use crappy aftermarket parts instead oem.
They are usually the most expensive to insure with too. Yeah, people will say "I got so so rate for my bike, but they don't say how much their car policy is nor what the competition wants.
I have Geico, full covereage, with uninsured, 500 ded, 100,000 limits is $392 a year.
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I just priced progressive insurance in my hometown 50 100,000. 250 deductible uninsured and underinsured roadside and towing. Are you ready for this 1269 dollars a year. That is insane
:yikes: HOLY CRAP... Rocketman how old are you?....... 12. :rotflmao:
Just poking fun ;)
Cheers
Ron
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Insurance companies are in business to make money, period!
Of course they are, that is the only reason a business exists, to make money. Companies aren't in existence for the good of mankind, to provide jobs, or to give money away.
I'm sorry to hear about your father. I never said he didn't have any problems, I said I haven't had any issues with them, and I have filed claims. My point was, that it is a good idea to develop a good relationship with a good agent, one who will back you if needed. That is all.
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:yikes: HOLY CRAP... Rocketman how old are you?....... 12. :rotflmao:
Just poking fun ;)
Cheers
Ron.
I am 12. But I look like I'm 14
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:rotflmao:
Cheers
Ron
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GET THIS.......
i MUST BE 12
Quote WV 46Q34710109/06/2012 01:22 PM CDT
Thank you for considering dairylandcycle.com for your insurance needs. The quote below is an estimate based on the information you have provided.
Insurance Quote for:
John E Foutz Jr
Fort Ashby, WV 26719
Edit Driver Information
Underwriting Company:
Dairyland Insurance Company Motorcycle(s) Quoted:
2012 KAWASAKI ZG1400 CONCOURS
Edit Motorcycle Information Proposed Policy Effective Date:
09/06/2012
12 Month Price: $1371.54
Down Payment as Low as: $121.50
Monthly Payments: $116.64
Coverage Options
Bodily Injury/Property Damage
(Including Guest Passenger Liability): $50,000/$100,000/$25,000
Uninsured Motorist Bodily Injury/Property Damage: $50,000/$100,000/$25,000 limit
Underinsured Motorist Bodily Injury/Property Damage: $50,000/$100,000/$25,000
Medical Expense: $5,000 limit
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GET THIS.......
i MUST BE 12
Quote WV 46Q34710109/06/2012 01:22 PM CDT
Thank you for considering dairylandcycle.com for your insurance needs. The quote below is an estimate based on the information you have provided.
Insurance Quote for:
John E Foutz Jr
Fort Ashby, WV 26719
Edit Driver Information
Underwriting Company:
Dairyland Insurance Company Motorcycle(s) Quoted:
2012 KAWASAKI ZG1400 CONCOURS
Edit Motorcycle Information Proposed Policy Effective Date:
09/06/2012
12 Month Price: $1371.54
Down Payment as Low as: $121.50
Monthly Payments: $116.64
Coverage Options
Bodily Injury/Property Damage
(Including Guest Passenger Liability): $50,000/$100,000/$25,000
Uninsured Motorist Bodily Injury/Property Damage: $50,000/$100,000/$25,000 limit
Underinsured Motorist Bodily Injury/Property Damage: $50,000/$100,000/$25,000
Medical Expense: $5,000 limit
Wow John! Is there something about yourself that you're not telling us? ;)
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Wow John! Is there something about yourself that you're not telling us? ;)
Well I had a really wild and crazy,... and fun past, about 30 yrs ago.........................don't they forget anything???????????????? LMAO
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That guy looks familiar...
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Back in the day, we were told that the goal for undertaking was spend $1.03 for
ever $1 brought in. The guys in finance would make up the difference with sound
investments.
If the loss ratio got up to $1.06 for every dollar brought, things then got a bit dicey as for whether we were making a profit- it was that tight!
We hated the assigned risk pool because that, for every dollar brought it, we paid out about $1.12. But hey,if the state says you have to take Beer Drinker Bob who got a dui, you had to insure him for a term. We also had a huge, huge problem with uninsured motorists. The joke around the office was :
"What does it mean when you see a mexican flag decal in the back window of car?"
Answer- Sign of an uninsured motorist!
One thing I always wondered about State Farm is, what happens if you have an accident with another motorist who is also insured with State Farm? Most of the claims I settled were comparative negligence, if you have the same company handling both claims, you have just lost a bit of impartiality.
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One thing I always wondered about State Farm is, what happens if you have an accident with another motorist who is also insured with State Farm? Most of the claims I settled were comparative negligence, if you have the same company handling both claims, you have just lost a bit of impartiality.
What happens if you get into an accident with a driver who has Geico and you have Geico? The company doesn't matter, if you both have the same insurer the situation is the same.
The most important thing to do in case of an accident, even minor, is to get a police report. This has saved me a couple of times in a minor accident. The other driver will say there is no reason to get a police report, just trade information. I have always asked for a report and it saved me once they began claiming something other than what happened.
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I am 47 now, btu back a while...It was between 16 and 20 years old. I totaled 4 streetbikes, all my fault. State Farm was incredible. My parents had everything insured with them, but still.
I'm taking all my motorcycle business over to them as of 12 midnight. Good rates, and real people to deal with.
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What happens if you get into an accident with a driver who has Geico and you have Geico? The company doesn't matter, if you both have the same insurer the situation is the same.
The most important thing to do in case of an accident, even minor, is to get a police report. This has saved me a couple of times in a minor accident. The other driver will say there is no reason to get a police report, just trade information. I have always asked for a report and it saved me once they began claiming something other than what happened.
\
I don't think you understand- State Farm is the biggest insurer so you are most likely to have a claim with a SF insured.
Police report? Good luck on that. In a lot of areas, you are lucky if a cop will come for a fender bender.
Here is what I mean by comparative negligence.
Two parties have an accident, one is insured by State Farm, the other by my company.
How does it get settled?
I call them or they call me, one of those two happens. SF guy says my guy was 50% at fault, I say SF guy is 70% at fault because he was speeding, SF guy says "Ok, we'll settle for being 65% liable, your guy is 35% liable.
So,we pay SF 35% of their damages, SF pays us 65% of our damages (the same can be applied to how much your ded is).
Very, very rare is where negligence is 100% in your favor. Things that are like that are rear enders and getting t-boned by someone running a red and having the witnesses or cameras to prove it.
With my company being small, I only had one claim where the other party was with us as well. I knew the other adjuster,we were trained together and settled it 50/50, f-it, called it a day.
So, when that adjuster is negotiating, he is representing you.Whether you like it or not, that is their job. When you get served, you turn the papers to the insurance company and some poor shlub like me has to handle the claim and once we respond to the lawyer or insurance company, they don't communicate with you again w/o permission. If one company insures both parties, that is like them being the judge/jury/executioner. Keep in mind that the dweebs in blunder, er underwriting are kept in the look and the % of negligence given to you can affect your rates. While my company told us that 0% would not cause rates to go up, I have no idea if 10%, 20% or 50% would as the company would not tell us, everything related to rates was kept as secret as the location where Jimmy Hoffa was buried!
Things can get sticky with bigger claims. For example, if the person (insured with same company) is underinsured and paralyzes you, you are in the situation of suing your own insurance company.
I heard one VP of a company tell us that they didn't like to keep insuring people who used their uninsured motorist coverage.
I pray no one here gets paralyzed or killed, but $hit happens, people do die. If this happens, your family should hold off on getting an attorney. Yup, you heard me, hold off, especially one on a contingency as they won't be of much use. We were told that in this case, if the limits of our insured were not real high, we were to rush out to the plaintiff, show them the coverage page with the limits and offer them a check for limits right then and there before a shyster lawyer got to them. After limits are paid out, you can still go after the person's assets, but more often than not, it won't be fruitful. We would go back to our insured, say we paid out limits and continue to provide legal help for bankruptcy if needed.
Seeing how the C14 is a high powered 700lb road missile, I hope everyone here has good high limits, you'd be surprised how cheap it is to raise your limits. Bikes can cause a lot of damage and one of my most memorable claims was a Honda Hurricane 1000 that sliced into a Honda CRX. The rider was wearing good gear and flew over the car and survived with a couple of cracked ribs, the woman in the CRX was killed (she was our insured).
If you get in an accident, take pictures, lots of pictures, if there are any witnesses, get their numbers! These things mean a lot more to an adjuster than just a statement from with either party or a generic police report.
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455/yr for my Connie with Progressive. 304 for my wife's vstar 1300. 127 for my kids 50cc scooter. I'm pretty happy with my rates, and Progressive was easy to deal with when my wife wrecked her Vulcan in July.
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Deleted.
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You need to check around with other companies such as Progressive, Geico, Safeco.... My premium with Safeco is 148 for a full year. When I had Progressive I think it was less than 200 or so.
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I'm with Foremost now. I used to be with MArkel. Full Coverage for the Connie for the year is 482. Markel quoted me almost 700.00. I could probably do better but didn't want to mess with it anymore. I live in Dallas so I imagine that makes it more. Shop around.
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Remember the search thing
http://www.zggtr.org/index.php?topic=10584 (http://www.zggtr.org/index.php?topic=10584)
http://www.zggtr.org/index.php?topic=563 (http://www.zggtr.org/index.php?topic=563)
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2011 C14, I pay $362 with State Farm Virginia [full coverage], no record, no accidents; deductibles: $250 collision, $100 other than collision; $100,000/$300,000 liability, $50,000 property.
Two years later and it is $357. Of course I am a few years older now (46), and so is the bike (2011). I suppose at some point I should drop comprehensive, yet that looks like it is only $60 of the premium.
I doubt that State matters as much as other factors (driver age, gender, vehicle type, vehicle age, driving record, deductibles, exact coverage amounts, mileage, rural vs. urban address, etc).
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Move on to another insurer, GEICO is mine at 157 a year with 250 deductible. Now granted a bike in TX is used much more than a bike in WI but not 6 times as much. :yikes:
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elp-jc I'm paying the approx. amount you mentioned. Thought it was partially so high because I live in Houston.
Was in the hospital (surgery) when the wife set it up and haven't looked.. But I will!
If you find something better,,,, let me know.
Ride safe, Ted
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Deleted.
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I tend to go with full coverage. $470 per year from Progressive for 2010 C14. There are probably lower rates but Progressive was cheapest 10 years ago and it has worked well for me (in that they cash the checks and I have not had any claims). Premiums are lower as you get older (gray beard here) and no history of motorcycle accidents.
Bodily injury & property damage liability
Bi $100,000 each person - $300,000 each accident
Property damage liability - $50,000 each accident
Uninsured/underinsured motorist bodily injury
$30,000 each person
Um/uim property damage
$25,000 less $250 deductible
Comprehensive $25 deductible
Includes disappearing deductible
Collision $125 deductible
Includes disappearing deductible
Accessory coverage $3,000 incl
Roadside assistance with trip interruption
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When I lived in Houston/Katy, I had Foremost. I thought my insurance was rather high, compared to others who lived in the DFW area... then found it was because I did live in Harris County. ::) When I moved to Denver, my rates were cut over 75%!!!!! :o Insane!
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I agree with the locale cost differences. I live in Sugar Land, a suburb city SW of Houston, even in another county, but we get hit like Harris county does. My full coverage for an 08 is $379 a year, over twice what Jim is paying for the same bike and with Progressive. No tickets no claims, multi-bike discount, been with them over a decade discount, etc, and my rates are still high. Don't even get me started about the high cost of homeowner's insurance in the Gulf Coast. A total rip off...
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I upgraded from GEICO to Riders Insurance and saved about 100 dollars under 300 now
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I have allstate full coverage and full torque with all the extras for $250.00 a year.
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I see non of you live in Ma.!! I pay $470 for my 2013 connie and don't complain, my previous Harley was costing me $1300! I am 46 years old and have safe driver points, Mass just plain sucks when it comes to vehicle or any insurance. It is all regulated by the state yet somehow the consumer gets screwed!
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Snip
I doubt that State matters as much as other factors (driver age, gender, vehicle type, vehicle age, driving record, deductibles, exact coverage amounts, mileage, rural vs. urban address, etc).
Credit rating makes more difference than you can imagine, believe it or not.
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Wow if that's true I wouldn't want to see what mine would be if I had bad credit!
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They've all started doing the credit thing. One of the reasons I dumped Progressive cause they kept on dinging me and using that as an excuse to raise the rates. I just couldn't understand this as my credit rating is above average. Bast**ds. I hate insurance companies.
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Not true! as I noted I live in ma which regulates auto insurance.
https://www.everquote.com/blog/questions/does-credit-score-affect-car-insurance-rates/ (https://www.everquote.com/blog/questions/does-credit-score-affect-car-insurance-rates/)
http://www.cbsnews.com/news/bad-credit-can-double-auto-insurance-premiums/ (http://www.cbsnews.com/news/bad-credit-can-double-auto-insurance-premiums/)
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I have Dairyland full coverage one 2010 concours and liability on the Honda ST1100 and KTM 950 Adventure and my cost is less then $500 a year . I live in a rural county with no tickets on my record.
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Only three out of 50 states ban the practice..so chances are most live in a state that allows it.
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BUT 3 out of 50 would not be all of them.
Don't worry even though Ma doesn't allow the use of a credit report they allow other ways for the insurance companies to screw us!
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What makes a HUGE difference is where you live. States do make a difference, but cities much more. Cities with high incidence of accidents and/or thefts are going to have much higher rates. If you live in the middle of nowhere in Montana, you'd pay probably a 1/3 of a large city anywhere else. With so many uninsured motorists here in the borderland, rates here are pretty damn high, even though I never commute or ride in traffic. Lots of traffic too, and tons of stupid drivers. But I imagine LA, NY, and other much larger cities with more traffic/theft problems pay even more.
Yes, Progressive is crap since they raise your rates for ANY claim. So if I have a claim, will have to move. Had my cars there, had a small comprehensive claim (hail), and they told me my rates wouldn't go up. Got the renewal and it was DOUBLE. Idiots (I asked them, and said no increases). Would have paid the damn difference out of pocket, if I knew. But when I shopped with others, NONE took that claim into account. Go figure. And yes, I HATE dealing with insurance companies with a passion. But they're a necessary evil, unfortunately.
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Yep. In 10 years, I have given Progressive $800-1700 a year, depending on what and how many bikes were currently in the garage. I have never made a single claim and never missed a payment. Spent enough with them to buy one or possibly two other bikes with the payments made. Since I have never had a claim, they have profited royally off of me. Wait, they did send me a picture of Flo, the last time I renewed.
Guess that's why our government got into the business, "as a TAX"?? Hiway robbery. . .
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Have Geico only after Progressive raised rates two years ago. Have 2014 14 and pay 266.00 year and with 2013 FXR it's 230.00 they threw in the coverage for 2000 c10 for free. Shop every year and Geico cheapest for me. 59 and clean DR
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Credit rating makes more difference than you can imagine, believe it or not.
Really? I had no idea some states allowed that. Doesn't seem fair- what does credit have to do with driving risk? I guess just overall responsibility? It is amazing what they ARE allowed to discriminate by and what they are NOT allowed to use...
Fortunately, I have about as perfect a credit rating as is possible (Discover card sends reports now every month as a courtesy), but that isn't the point.
Maybe state might make more difference than I originally expected... but I still think a lot of it has to do with how rural the area is more than the state. It is fascinating to see these numbers all over the place. But it is really hard to compare without all the "normal" factors (listed as-naseum already).
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while ma doesn't allow credit reports they do have other evil ways. A few years ago my wife backed into a car and a claim was made, it was her fault, the other car had less than $1000 in damage. She now has points against her that will take 6 years to get rid of as long as she doesn't have anything else not even a speeding ticket! the worse part is that my truck insurance went up, so I called the insurance company. they told me that her points were moved to the vehicle with the highest replacement value...also a point isn't a set amount like $50 a point, it is a percentage of that vehicles value!
The real kicker is she has been driving for over 25 years and never an accident or even a ticket!
So while I have a good clean record I pay for it....or I can get divorced until she cleans up her driving record...lol
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Has anybody checked into stacking their coverage onto there primary vehicle (car/truck). When I added my second motorcycle to my policy, State Farm agent suggested that I stack the coverage. This did raise the coverage on my car about $50/6 months, but the coverage on my 2013 C14 is only $117 per 6 months. The stacking has also resulted in a lower premium on my other bike as well.
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my homeowners and all vehicles are with one company, my agent claims I am saving hundreds...doesn't feel it, but there are 4 vehicles being insured on that policy
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Inquire about "stacking"
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When I first started with Progressive, the premiums were low and decent. They just kept inching up... My wife had a claim several years back where she was hit by a hit and run vehicle. Witnesses corroborated the incident. Found out later, Progressive 'charged' her with the incident. They've been progressively increasing the premiums to the point where it got ridiculous. We then went to Safeco and saved money. We had Allstate before that and they were absolutely ridiculous with the premiums. I saved nearly a $1000 a year when I switched to Progressive. I think that it's all a racket. I imagine we'll switch to some other company in about 5 years or so. They all do the same thing.
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I'm with USAA, but they outsource to Progressive for motorcycles. For my 2010 I pay about $480 a year.
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Jim, they don't call themselves Progressive for nothing, their political leanings aside.... I still use them for Motorcycles, as they do have the best rates for me.. Had Safeco for my two cars, and bundled them with Travelers where I have homeowners. My Auto insurance went from $1700 a year to $800. My homeowners dropped $1200 a year, too. That's over $2000 I was paying, that wasn't necessary. Nothing changed but the cost.
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Inquire about "stacking"
Some states don't allow it, including TX. I have 4 cars on a Progressive policy, and they couldn't put the motorcycle there; you have to get a new policy. At least you get a multi-policy discount, but totally different policies and coverages.
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Progressive allows only four vehicles per policy. Since I have five covered, I have to have two policies, different payment and renewal dates and since one has been in force for over ten years, and the other less than two, they are treated differently, too. I've asked to cover all on one, and been told no. No reason given, just NO... tp
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Has anybody checked into stacking their coverage onto there primary vehicle (car/truck). When I added my second motorcycle to my policy, State Farm agent suggested that I stack the coverage. This did raise the coverage on my car about $50/6 months, but the coverage on my 2013 C14 is only $117 per 6 months. The stacking has also resulted in a lower premium on my other bike as well.
State Farm does not combine motorcycle coverage with anything else. Unlike car insurance, it is completely stand-alone. No multi-vehicle discount with cars, no accident affecting car vs. motorcycle coverage, no combining with home, etc. Now, this might have changed since the last time I checked into it a few years ago or that might be a Virginia thing. Home/car/life/boat are all eligible for multi-discount, however.
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I have to say that its a Virginia thing since my uninsured motorist coverage, on both motorcycles is stacked on my auto policy
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With both Progressive and Safeco, I'm able to combine and get discounts.
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I just got a quote from my agent on my 09 Connie. $380 year. My GL1800 that is valued at double the price is only $168 a year. Makes no since top me at all. I am hoping the agent will get their pencil sharpened up and refigure it.
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$380 is what I'm paying for my 08, but am in the Houston area, which is an expensive rate area. Could be the Honda is listed as a touring model and the C14 as a sport model, always rated higher.... I agree, press the agent for info and a better rate. tp
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I just got a quote from my agent on my 09 Connie. $380 year. My GL1800 that is valued at double the price is only $168 a year. Makes no since top me at all. I am hoping the agent will get their pencil sharpened up and refigure it.
The C14 is both faster and sportier. Plus you have to consider how many claims they have on each model. It is not a simple X vs. Y.
I pay $374/yr for full coverage on the C14 in a 2 million person region and with no tickets nor claims in 20 years. So I don't think they are that far off. In fact, they may have even accidentally under-priced your other bike (that exact thing happened to me on my ZRX, I was paying 33% *less* than my friend on something similar for 4 years before they "discovered the error" and my rate jumped back to something more typical).
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I just got a quote from my agent on my 09 Connie. $380 year. My GL1800 that is valued at double the price is only $168 a year. Makes no since top me at all. I am hoping the agent will get their pencil sharpened up and refigure it.
Makes lots of sense in that the C14 is by most insurance companies considered a "SPORT BIKE" and is able to go twice the speed of sound and the GL18 is a "TOURING BIKE" that can only go half the speed of sound......
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I use Foremost insurance. I tis about $220 per bike for full coverage. I have a 2010 C14 and a 2012 C14 both full coverage includes $3000 accessories and hotel/towing coverage.
Fill replacement coverage if it is a new bike insured within the first 30 days of ownership.
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You folks need to list your coverages. 'Full coverage' means you have comprehensive and collision coverage, but there're many different levels of coverage. Plus there're A LOT of other factors that affect rates within 'full coverage'. A $250 deductible vs $1,000 makes A BIG difference. And what really shoots up your full coverage is 'uninsured/underinsured motorists'. And next is medical payments, especially higher amounts (many levels of coverage too).
As an example, I was quoted $312 a year with the most basic full coverage (minimum levels of liability/property damage, and maximum deductible with comp/collision). And $785 with maximum levels of liability, minimum deductibles with comp/collision, uninsured/underinsured coverage, and highest medical coverage. Both are considered 'full coverage'. This is with Progressive, perfect rating (no tickets, accidents, perfect credit, etc), and multiple policies. I ended up with a $415 quote, with $100K/300/50 liability, $500comp+$1Kcollision, PIP, and disappearing deductible. As a comment, rates for the twice as expensive K1600GT were lower; go figure.
Bottom line is unless you're comparing the exact same coverages, you're comparing apples with oranges. Full coverage is the equivalent of higher-end V8 sports cars IMO... but you can still get a Corvette or a Ferrari. Same with full coverage. Have a great day folks.
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And the differences add up as where you live in what state and locality. It's really hard to compare.. Forgot this..credit ratings are used as well. This kind of question is like how many angels can dance on the head of a pin.. There is no definitive answer and there never will be. Just check with all the companies that do business in your locality and go from there. And whatever one is cheap today may be more expensive tomorrow. Insurance is becoming a commodity where no loyalty exists with an existing firm as they all raise your rates over time. I hate them all, I does.....effen bas....!
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I hate them all, I does.....effen bas....!
Don't hold back Jim, tell us what you really think.
Been using the same indie agent since 1969. They have always hunted for better rates when I bitched, but with 46 years of loyalty, haven't ever gotten a calender or even a pen with their name on it. How inconsiderate... ;D ;D
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If you have State Farm for your auto, go with them, it will be much cheaper. They won't insure your bike though unless you have car insurance with them.
I have my car insurance through Safeco and I as able to get State Farm on my Connie no problem
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Progressive is very low for my Concours 14....a little under 200, per year. Thats in Utah, with a short ridign season.
My Ninja 1000 was 10 times that, through them. AMIG came through, for me, on the Ninja and I may end up going with them, for everythign., Super nice people to work with.
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I'm paying $259 per year with Progressive with a $500 deductible. With the same coverage the 99 C10 is $123 per year.