connie insurance

[B.D.F.]

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"

[Rocket Therapy]

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

[PH14]

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.

[maxtog]

[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'.

[maxtog]

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."

[B.D.F.]

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."

[ZG]

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.

[rcannon409]

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.

[mvjr1904]

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.

[Rocket Therapy]

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

[RED121572]

www.rider.com (only available in selected states, though)  I pay $160.00 a year to fully cover the FJR. 

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.

[Pokey]

$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.

[PH14]

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.

[OregonLAN]

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...

[OregonLAN]

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.

[VirginiaJim]

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.

[Pokey]

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.

[Rocket Therapy]

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

[Conrad]

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

 

[sas mayhem]

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