Try Nationwide.

 

I pay $344 for Progressive coverage of the Sporty and the Honda. 15% discount for paying in full. I did have a claim and it was smooth as possible. One phone call, no hassles - can't fault Flo's service. And accident forgiveness - rate did not go up.

 

I have my bike on my allstate with my other vehicles, honestly at whatever I pay I just don't care for the amount that it is. I want to say it's ~$400/year...

Thing is with bad insurance when you do have a claim it's going to be a pain, they will chisel away at you. With good insurance they pay the full amount without BS. I've had claims w/ travelers and allstate over the years (neither on a bike though), both are good and easy to deal with. If you find a trend that leads you to question the insurance company you may just be getting less for your $$ anyway.

The fine print matters; my bike is older, an '03 - it's insured for book plus value of accessories, ie I wreck my bike, it burns, or it gets stolen I get book value, plus accessories - plus value of bars installed, plus value of bags installed, plus value of whatever else is there etc.. etc.. I likely pay more for that, versus an insurer who will pick some minimum book value or who will try to chisel away on cost of repairs, but to save $20 a month or something I don't see the point; I probably spend $100/month on coffee.

Jon

 

The way it was explained to me many years ago is that credit ratings give the insurance company an idea of a person's ability to pay the premium. In reality, who knows how they devise these formulas?
For 2016 I was at $443 per year for all 3 bikes combined with Progressive. Pay in full discount. Of course they're all older, but all have comp/collision/$500k liability and $250/$500k SUM. We'll see what happens come renewal time in April

 

Thanks for the tips with Progressive. I called and got $150 a year taken off for Hog Discount + winter storage

 

My Beef with Prog. is Flo the Ditz, only kidding! The problem is they are owned by the Peter Lewis family, He died a couple of years ago, Google him ! He was a Commie *****, Homo Buddy of George Soros, & most of us know he wants to Destroy America! If after Googling Peter Lewis, & you still buy Prog., you must be a Commie *****! Only kidding! Buy American, Buy Buffert (Geico) ! 2 cents ?
PS, WTF is it with ALL the insurance commercials on TV, they cost Big Dough, that we pay for! I can't wait to see how many $5 million, 30 second spots for the SuperBowl ?

 

It was a policy to use FICA scores to determine rate charges. Most, if not all insurance companies have pulled the plug on that. I don't know if it is a legal deal or policy.

 

It was actually many years ago that I was told that, so I'm not surprised if it no longer holds true.
Forgot to mention, if any of you has taken a MSF course, don't forget to mention that. My wife took hers back in 2009. When I contacted my agent to inform them that I'd just finished an online defensive driver course, she informed me that my wife's MSF certificate was still good for a discount on the bike policy even though she took it way back when. And that there was only one discount available per policy for such courses.

 

im paying $48 per month for 2 financed bikes with full coverage on both. I live in rural Vermont with both my wife and I with clean records. Believe it or not we are covered by Allstate. Could save even more if I wanted to pay a years premium all at once. BTW we do NOT have a bundle deal. Only the bikes are under Allstate.

 

Well I'm in the same boat now as well. Just got an email about my Progressive renewal. It went up just over $60/Year. So now it's just over $400/year. I went on line and got quotes with both Geico and Allstate. Both were $50-$75/year cheaper. Couldn't tell you what any of them are like when needing to make a claim, never have had too? So it boils down to... do I care if I pay $60ish more/year...?? Progressive I have a dissapearing deductible, so as of right now, I don't have to make one. Both Allstate and Geico are $500. But, if you don't make a claim, then who cares right?

I think what I might do is get a few quotes with bundling my auto/home/bike... Right now auto/home are with Amica....


**Well I actually just got a quote with Dairlyland and they were 1/2 of what Progressive is per year. However this company has horrible reviews. Tons and tons of bad reviews on line 1 out of 5 stars... Save a couple hundred bucks may not be worth it.