bike insurance

[Howard R]

Just got back from having a chat with an insurance agent.  I've had bikes with Dairyland for years, never had a claim on a motorcycle, and my renewal was coming up first of March.  The agent has Dairyland among others.  I'm sort of new to Pennsylvania, and had been dealing directly with Dairyland.  Took my renewal notice to the agent and she looked at three different companies: one (she didn't bother to tell me who or how much it was) came out WAY high so she just said "Forget them!" and moved on.  Progressive came back at ~$290 (whole year, for both bikes), the Dairyland renewal was ~$270, and she somehow got Dairyland to come down to ~$150 so I went with that one. 

Your motorcycle/state may vary.

Let's see.  Progressive is pushing that "snap shot" thing, and advocating black boxes in autos?  So if you are operating outside supposed "safe" parameters coverage and insurer liability can be denied?  Ahh, great safety PR with a positive bottom line outcome.   Next, they'll be giving radar/laser units to state and local law enforcement.

Spuddy

Geico has been doing that for many years.

Howard

[goozy]

Living in Quebec at the moment. I can tell you I am surprised that it only costs me $300 for the year, that's for a '14 Griso and I'm still holding my learners permit.

WOW!, I may have to brush up on my french and move. Licensed almost 40 years, never a claim on a bike and I really can't remember my last ticket, mid 80's I think.
Just over $1100 for my 07 Griso last year, liability only, what a freakin' scam.

[Dimples]

For motorcycle insurance I can recommend Progressive based on my own experience. I've been very satisfied when a claim was made.

Different property requires different carriers (in my experience).

[Asylum]

Wow ,thought Quebec was like poor Ontario . Wrong on that count . Amazing that Ontario wants your first born and yet cheap in Quebec . Thanks for the info , I might move ! I see "goozy" who just posted on this thread took his Griso off insurance in Ontario . Bad news !

Registration costs around $250 per year. I think that's the highest in Canada. A sports bike is double that.

[Sportsterleroy]

Let's see.  Progressive is pushing that "snap shot" thing, and advocating black boxes in autos?  So if you are operating outside supposed "safe" parameters coverage and insurer liability can be denied?  Ahh, great safety PR with a positive bottom line outcome.   Next, they'll be giving radar/laser units to state and local law enforcement.

Spuddy

I had "Flo's Snap Shot" in my car for 60 days and after the time my insurance on my car dropped the max it allowed of 30% . If you are behaving what have you to worry about.

Leroy in Cleveland

[Lannis]

I had "Flo's Snap Shot" in my car for 60 days and after the time my insurance on my car dropped the max it allowed of 30% . If you are behaving what have you to worry about.

Leroy in Cleveland

I generally behave on the road, but I'd never have one of those things in my car even if my insurance became free as a result ..... !

One of those "matter of principle" things.   Different people have different limits, and that one crosses mine!

Lannis

[Ronkom]

Another data point:
A promo for bike insurance from AARP came in todays mail, so I called & tried to get the same "apples to apples" quote from their company, Foremost. I say "tried to" because there were a couple differences & features that came with the package I had no choice about, the most important being automatic coverage for accessories up to 3500. and coverage for leathers/helmet etc. This was on the full coverage MP3 only.
The quote came to $285.00 for a year, paid in full in advance.
I'd already signed up & paid for the Progressive, so coverage would not be interrupted.
 Snow is melting fast, but another 2-4" is supposed to be coming tonight, I'm hoping to be able to get a bike up the driveway by Wens next week....starting to twitch a little. 
ronkom

[not-fishing]

Here in California you have to be careful about your coverage.

The liability and Comp are not that much.

Non-Insured Motorist is the big cost along with setting higher limits.  This coverage really protects you.

I point this out because Non-Insured Motorists are very common here in California.  I've seen a statistic that 40% of the accidents in LA are hit and runs.

Also my first wife was seriously injured by an Uninsured Motorist and only because I had high coverage did she get a large compensation payment for the damage.

Of course she and her five attorneys decided to file for divorce and keep all the payment but that's another story     :beat_horse

[grinmaul]

I am envious of some of your prices, 14 stelvio, 47 year old riding since 16. 1200.
14 Dorsoduro 750 was 900. both full coverage.
86 ns400 600 liability, when i get an appraisal and get full coverage for what its worth i am going to be sad i bet.

[Dilliw]

Up'd my coverages last year for my two bikes with Progressive.  By playing around with the different options you can end up with some nice pricing especially if you have multiple bikes.  I have full coverage and even road side assistance on my DR350 :)  Don't think they will do "trail side" though.

$290 for both bikes.

[dibble]

The variations in cover around the world are fascinating, in the UK you must have a minimum of 3rd party cover.

If you get hit by an uninsured driver there is the Motor Insurers Bureau who will pay you something it's paid for by all Insurers(you the law abiding motorist).

The members of the MIB between them have to provide basic minimum cover to anyone (at a price).

My V50ii, Honda CRM250 and 1999 VFR800 cost £225 Third Party, Fire and Theft with Business 1 use. 46yrs old living in London.

 

[HDGoose]

Move to Washington state and only ride motorcycles:  no insurance required on two wheelers!  Cars, yep, 4 wheels - coverage is mandatory.

Ciao,
Dick

Same with Florida...

[HDGoose]

Let's see.  Progressive is pushing that "snap shot" thing, and advocating black boxes in autos?  So if you are operating outside supposed "safe" parameters coverage and insurer liability can be denied?  Ahh, great safety PR with a positive bottom line outcome.   Next, they'll be giving radar/laser units to state and local law enforcement.

Spuddy

Already being done...and not just with Progressive.

[blackcat]

There are like 20 pages of lawyers in this little Florida town, and there is no way I'm riding or driving anywhere without a liability policy.

[brenwin]

Registration costs around $250 per year. I think that's the highest in Canada. A sports bike is double that.

Is that for Ontario or Quebec ? I know a few riders who gave up their motorcycles in Ontario . If your a new rider , forget it unless your loaded . Glad I came to the coast long ago . 

[Asylum]

Is that for Ontario or Quebec ? I know a few riders who gave up their motorcycles in Ontario . If your a new rider , forget it unless your loaded . Glad I came to the coast long ago . 

Thats for Quebec, I think it is less in Ontario. If you have a sports bike, it runs you between $1200-$1500 per season for insurance and plates.

[goozy]

I think it's $60 for a bike plate in Ontario this year, not quite sure because it keeps going up. That $1100 for my Griso also includes uninsured motorist and personal accident benifits, both mandatory here. By the way the minimum fine for driving with no insurance in Ontario is $5000 I believe!

My insurance company lists the Griso as a "High Performance Motorcycle" :D :D :D

[PeteS]

I've been with Progressive for about 5 years now. Three bikes, full coverage including collision and comp. for a round 250 bucks a year total. Riding experience and driving record similar to Ron's. The big surprised was when I added the KLR three years ago my rates went DOWN.
The Norton and LeMans are with Condon and Skelly who specialize in classic car and bikes. Full coverage for 60 bucks each but I am limited to 1000 miles on each per year. Not a problem with the other three bikes.

Pete

[drw916]

Odd thing about Progressive.  My wife is also insured on my bikes, but no longer rides.  When I went to drop her from the policy, they said my rates would increase.  Makes no sense, but I kept her on.

[Asylum]

I think it's $60 for a bike plate in Ontario this year, not quite sure because it keeps going up. That $1100 for my Griso also includes uninsured motorist and personal accident benifits, both mandatory here. By the way the minimum fine for driving with no insurance in Ontario is $5000 I believe!

My insurance company lists the Griso as a "High Performance Motorcycle" :D :D :D

Thing is, the insurance company I'm with go by stats of a motorcycle. Which means, because there hasn't been many accidents nor claims with Grisos because of being so rare, that puts them in a low risk category. So the more popular or common your bike is the more it'll cost you in insurance.

The reason why Quebec's registrations are high is because it is them who cover disabilities and reliabilities towards the riders,drivers and city damages . Insurance companies covers the bikes. So all in all, it almost comes to the same.