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"
Riders Ins, just quoted , lowest 197.00, and little better than what i have now with geico, 286.00 and geico wants 440.00?
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.
[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
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."
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."
www.rider.com (only available in selected states, though) I pay $160.00 a year to fully cover the FJR.
$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).
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.
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.
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