Which Insurance Carriers Will Insure A 30 Year Old Motorcycle?

[Tom]

I have Progressive.

[EldoMike]

Just did two of my bikes through Hagerty...easy peasy...

[oldbike54]

Insurance stuff varies a lot from state to state.  I can't even get Dairyland insurance in North Carolina.

 Yes , the best insurance often varies state to state . Dairyland pulled out of Oklahoma years ago because a court forced them to pay out on a policy that was already cancelled due to non payment .

 Dusty

[Tom]

That doesn't seem right but courts do thinks that aren't logical.

[Testarossa]

All my bikes are insured thru Allstate, along with the car, van and home. Package deal.

[oldbike54]

That doesn't seem right but courts do thinks that aren't logical.

 It wasn't right .

 

All my bikes are insured thru Allstate, along with the car, van and home. Package deal.

 Unfortunately Oklahoma law requires a separate policy for MCs . No idea why , but Allstate wants 3 times as much as Progressive , even though everything else , house , cars , is insured through Allstate .

 Dusty

[Triple Jim]

And in NC, Allstate and Progressive are very competitive with each other.  In my case, Progressive was a little cheaper. 

Something odd happened with Dairyland in NC as well.  I had a policy that was underwritten by some company or other, though Dairyland, but after one year, they canceled it and said they were no longer writing insurance in NC.

[Perazzimx14]

State Farm doesn't seem to take issue insuring whatever I have. Vintage or modern. They ask full coverage or liability and bill accordingly. 

[guzzibob]

All 3 of my bikes full coverage through Geico no assigned value

[Rough Edge racing]

 Hmm, I only have liability on my bikes and they are all old.

[EldoMike]

Hmm, I only have liability on my bikes and they are all old.

Hagerty full coverage insured my two bikes for the same price as Geico did for just liability

[Triple Jim]

All 3 of my bikes full coverage through Geico no assigned value

I'm not sure that sounds good.  Did they agree to pay the full cost of replacement if necessary?

[Tom H]

No assigned value = blue book I believe.

My old bikes are agreed value. If something should happen, it would be enough to get a running replacement.

My $.02,
Tom

[drlapo]

I'm not sure that sounds good.  Did they agree to pay the full cost of replacement if necessary?

the full cost of "replacement" is Actual Cash Value; the cost of a comparable bike not a new one.
also known as LKQ: like kind and quality.
replacement cost means different things in different policies.
if you want new for old make sure of the policy definition

[Triple Jim]

Interesting, thanks drlapo.  No, I don't want to have an old motorcycle replaced with a new one or anything like that, I just want some assurance that if I have to make a claim, there won't be a big argument about how much it was worth.  My Hagerty policy spells it out as "agreed value", and as I understand it, that means we agree as to the value, and that's the number.