USAA does do motorcycle insurance. Haven't had to use them for my bike but used them for the truck when a doe decided to kiss my front bumper. Whole claim was done is a little over a week..... Damn Bambi totaled a truck with only 66K on it. But I agree, they are great and would hate to see it ruined by opening it up to everyone. So OP, are you affiliated with the military in any way? Active, former, family?

 

I know some of you really like USAA but I cut all ties with them back in 2014. I almost filed a lawsuit against them over legal problems they caused me with my now deceased father.

 

I am a Viet Nam vet & qualify for USAA, but all of the quotes (home, auto, motorcycle), I have gotten from them have been much higher than my current policies with Erie for home & auto. I have 3 Harleys, insured thru Geico, 1, '98 Ultra Classic, full coverage, $302, 2, '06 Heritage Softail, full coverage, $250, & '14 Limited Rushmore, full coverage, $399, for an annual total of $952

 

C908 - I'd stick with the higher limits for 60.00, a lot of people carry bare minimum insurance and some don't bother with it at all. Makes a big difference if one of them hits you.

 

I'm at $250/$500k for supplementary uninsured/underinsured. That's an addition of $12 for one bike, $17 on another and $18 on the last one of our 3. That's per year. I'll take that all day long over getting hit by some **** bum with minimal coverage.
And as mkguitar says, I shop every year for every policy. If at all possible I do it by email. I send them my declaration pages so that they can look at the exact coverages I have.

 

I'm going to stick with the 100,000.00/ 300,000.00 it's not worth it to do less and worry. I was surprised that State Farm was $5.00 higher than Allstate. I have 5 polices with State Farm, own my home and been with them 47 years. They said no additional discounts for multiple polices and being a home owner.

 

Seems like most people here are down on Progressive, but they've treated me well. My rates have increased over the years, with a fair-sized jump when I bought the Limited.

However, part of what our premiums pay for is the service we get when we have to file a claim. Every insurance company is super nice when they're taking your money. The test of a "good" insurance company is how they act when you need them.

I haven't had a motorcycle claim yet, but I did have an auto claim when my daughter totaled my Blazer. There was some question about fault on the police report, which the insurance co's worked out to a 50/50 he said, she said. The Progressive claims adjuster was super nice, she had a check in my hand within two days, for more than I thought they'd give me. They gave me the higher end of 'fair market value' with no arguments or feet-dragging.

I had one claim with State Farm many years ago, and it was a fight to get anything out of them.

 

Can't do Progressive as they contribute to the DNC. GEICO and USAA are my current providers.

 

I see a lot of talk about the best price on a policy. Does anybody check the insurance company ratings? (commercial with the chick that says she should have researched the company?)

What limits to have for what? My insurance agent recommended a million in medical in case somebody gets hurt bad, and that is a big issue on bikes especially if you take passengers.

I am getting ready to shop and before my renewal date so looking forward to everybody's opinions.

 

I'm still shopping but so far my current company Allstate is the lowest at $401.00. At one time I know rates varied on how much commission the agents factored in, wonder if that still applies ?