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I've had Progressive for several years,about $115 per bike annual. Just picked up a 3rd bike, 01 R1200c, and the annual increase was $6. So $230 for 2 bikes, $236 for three.
I have now have only 2 two-wheeled vehicles, a 2007 BMW F800ST and a 2006 Vespa 250GTS(not including a rather large bicycle contingent). Both garaged and not ridden much, under 4k/year per bike. Though I have all my policies with State Farm and have for over 45 years, and their service has been excellent in the rare cases I have filed a claim the cost to insure the bikes is outrageous. On a lark, I tried Hagerty for a quote and much better coverage on paper for less than half the costs. Both bikes are garaged which is a stipulation for coverage. What am I missing? Any experience with Haggerty. Thanks in advance for your input.
One more point: NEVER stop shopping around for insurance. Yeah the lady on the phone may be very nice, but it's a business and they count on you being lulled while the rates go up every year. Contact three companies at renewal every year or two. Unless you are Bill Gates, it's worth your time.
Federal law mandates that Americans have health care insurance.
It's important to bear in mind that we get what we pay for. Many companies are simply brokers and if/when a claim is filed, it's challenging to receive proper compensation in a timely manner. Other companies are fine if one stays within their network, but when the choice is made to go outside of their network, the hoops to jump through are frustratingly plenty. All this I learned from personal experience, my time as a personal injury paralegal and shop owners that I've known throughout the years.My suggestion is to stick with the large well established insurance companies such as State Farm and Allstate. I used to shop insurance based solely on rate, but never again.
Haggerty is a big well-known company with a good track record.The reason for the difference in rates when you've been with a company a long time is that they know that there's a certain amount of inertia in a customer who has been with a company that long, a sort of "satisfaction" and unwillingness to change. So like boiling a frog, they gradually turn up the premiums until you don't notice that the water is hot unless you leap out. There's no reason for the rate differences, any more than there's any reason for the price of an airline ticket that's $315 for this company this week and $1234 for that company that week then $124 for t'other company t'other week ... it's all in what you'll sit still for.Lannis
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