Just be sure you keep checking each year. Progressive bet the socks off State Farm and my agent (long time friend could do nothing) After couple years, for no reason other then I turned 66, they went up. Now he beats their original lowball. Go figure.

 

I have my 77 KZ650 with Gieco, $99 a year. Got my GF a 83 Honda Shadow, added it to the policy, still $99 year. We decided we wanted to do some dirt riding, found an 06 TW200, went up to $102 a year. A few months later found an 09 TW200 for me, went up to $114 a year. 4 bikes for $114 year. My sportster, the only one with full coverage, through progressive is $270 a year

 

You guys best never move to Michigan, before the insurance company even gets started the State mandates $185 / unit per year to cover catastrophic events, Michigan is the only state in the union that still has no limit on disability coverage caused by an accident, the kicker, a bike insured has to pay for the coverage, but is disallowed in the benefit of the coverage.

So yes you have have to carry additional coverage to ensure your taken care of if one is unfortunate enough to be involved in an injury accident, which adds even more cost.

it costs me $1500 per year to insure a 2015 Ultra and we can only drive about 7-8 months per year given the long winters (I don't ride when its below 32*F).

 

Well some states you must pay un-insured and under-insured coverage. You have no choice. And now that we have some states actually giving drivers licenses to illegal aliens more states are going to require it. I checked with Harley Davidson Insurance who I found is under written by Progressive. They and GEICO were within $5 of each other.

 

Thanks for the heads up. In less than 2 years I'll be 66 so we will see what happens.

 

You don't understand coverage. UM/UIM and med covers you, not the other guy. When you're injured in an accident and the other guy doesn't have coverage or doesn't carry enough, or its a hit/run UM/UIM kicks in for you. Med is typically no-fault meaning it doesn't matter who's fault it is, it will pay. It's that expensive because you're going to get hurt if you have an accident and as we all know accidents are pretty common. Also, your health insurance won't typically cover lost work etc but often med UM will.

 

Progressive has decided they don't want me anymore because I'm now divorced. Interestingly, I'm not the one with the 2 tickets in the last two years, and I own my own home. They raised the rate for my '11 SG from $500 to almost $700/year if I renew with them in June (which is when my ex and I will separate that insurance). My insurance agent found a couple of other places she works with for $420-$500/year.


I checked around and can get $250,000/500,000 coverage with all the needs and extras (UM/UIM, property damage, passenger liability, roadside assistance and just for fun, $5k for funeral expenses) for $373 thru Markel ($500 deductible). Heck, the biggest part of the premium is for UM/UIM. Of course I live in a state that doesn't mandate insurance, so I'm okay with that.


Waiting to hear from the insurance agent if her lowest bidder, Safeco, who is matching the coverage that I can get thru Markel, will give a further discount since I took an advanced riders course in late 2012.

 

this is what happened to me with the insurance on my 2015 tri-glide. i started with a 2012 ultra-classic limited at 92.50 a month. i called th einsurance company to see what it would be for my 2015 tri-glide. the tri-glide was going to be 131.00w.t.f? i was given a pamplet from american adventureinsurance which is progressive. i called them and got insurance for 66.38 a month for the 2015 tri-glide. really?! of course i took it. why would,nt i? right. that i s less than half! of the other one. i just wanted ot share with you all on this. jim

 

woops

 

I just got quoted $368.00 for full coverage ( all the extras blah, blah, blah ) from Dairyland on my 2009 Ultra .... almost $250.00 less than last year with Foremost ( AARP ) Allstate wanted the same as Foremost and I have two cars, a truck and two houses with them !!!