connie insurance

[connie_rider]

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

[elp_jc]

Deleted.

[Texas Concours14]

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

[sherob]

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%!!!!!    Insane!   

[tomp]

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...

[Rocket Therapy]

I upgraded from GEICO to Riders Insurance and saved about 100 dollars under 300 now

[bigfraid]

I have allstate  full coverage and full torque with all the extras for $250.00 a year.

[1jeep]

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!

[clogan]

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.

[1jeep]

Wow if that's true I wouldn't want to see what mine would be if I had bad credit!

[VirginiaJim]

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.

[1jeep]

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/


http://www.cbsnews.com/news/bad-credit-can-double-auto-insurance-premiums/

[lddave]

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.

[VirginiaJim]

Only three out of 50 states ban the practice..so chances are most live in a state that allows it. 

[1jeep]

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!

[elp_jc]

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.

[tomp]

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. . .

[sche202460]

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

[maxtog]

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).

[1jeep]

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