connie insurance

[sailor_chic]

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.

[1jeep]

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

[sailor_chic]

Inquire about "stacking"

[VirginiaJim]

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.

[Kidfastball]

I'm with USAA, but they outsource to Progressive for motorcycles. For my 2010 I pay about $480 a year.

[tomp]

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.   

[elp_jc]

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.

[tomp]

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

[maxtog]

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.

[sailor_chic]

I have to say that its a Virginia thing since my uninsured motorist coverage, on both motorcycles is stacked on my auto policy

[VirginiaJim]

With both Progressive and Safeco, I'm able to combine and get discounts.

[Ghost Rider 2]

  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.

[tomp]

$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

[maxtog]

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).

[T Cro ®]

  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......

[Scaffolder]

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.

[elp_jc]

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.

[VirginiaJim]

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....!

[tomp]

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...

[Jaxter]

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