I am currently insured through National General Insurance on my Suzuki DRZ 400S dual sport bike. My rate is about $100 a year for liability on that bike.

So I called National General today and the first time got an idiot who didnt know what he was doing and transferred me to the HD dealer.....which was closed.

Anyway, so I called National General back and got a knowledgeable representative who gave me a quote over the phone. I was surprised to hear her say that to add in my 14 year old Harley, for liability only was gonna up my yearly premium by almost $200 bux. Is this a reasonable rate for liability for a 40 year old rider that has a clean record with 2 bikes insured under the same policy?

I just wanted to hear some feedback from you all. Not complaining, just wondering. If its reasonable I will just go ahead and add it on, if not I will shop around some.

 

My annual premium for a 2013 Fat Bob is $388
$41 for Liability (100/300)
$9 for property damage liability ($10k)
$18 for medical payments
$110 for uninsured motorist (100/300)
$104 for underinsured motorist (100/300)
$39 for comprehensive ($250 ded)
$67 for collision ($250 ded)

 

well, I decided to call them back and damn if I didnt get some rude customer service reps......I swear I get so pissed off when I have to go through that mess. It used to be as easy as walk into insurance office, tell em what I wanted, and done. I set it all up for online now, so i dont have to deal with the rudeness.

I tried 3 times to get connected to the girls extension number that was so nice and knowledgeable. The rest were so unproffesional, and dumb it was nerve racking.

 

I pay $750/yr full coverage thru Progressive on my new Harley. 60 yrs old, clean record, 40 yr rider, all possible training.
Liability is $500,000 with $500 deductible.

 

Yea Upflying,

Sounds like mine. I am 39 years old, never had an accident or a ticket. 2014 Harley Breakout Softail through Geico. About $780.00 a year. Full coverage about the same as yours.

So no, that isn't high. That is always the thing about going to buy a new Harley. You figure in everything except that insurance that you forgot about lol.

 

I pay $196 a year for full coverage on a 2000 Fatboy with everything included with Geico.

 

$198 yr gieco 2005 ultra ,, full coverage w/un insured towing , 500 deductable

 

Pay $250 to Progressive for full coverage (no medical) on my 1998 Softail and I have had one clam with them.

 

$316/yr for full coverage on my 2014 1200 Custom thru State Farm.

100/300 liability, comp/collision, uninsured/underinsured, towing/travel expenses, 250 deductible.

Interestingly, it costs nearly 2x more for the uninsured/underinsured loser coverage than for my own liability - uninsured/underinsured are over 60% of the premium.

 

I feel like these numbers are fair. I will look into State Farm and Geico. If they can get me close to these numbers on my Harley, and a decent number on adding my DRZ 400S dual sport bike I will go that route.

I reluctantly renewed my policy with National General, mainly for convenience because I already paid up the year in full on my DRZ and thought it was gonna be quick and easy to add in my old Harley.

I didnt realize the young lady I got on the second call to National General was the ONLY knowledgeable employee they had at their call center. I wish I would have took the opportunity to renew my policy with her, instead I feel like I am waiting on some negative fallout from Lakwanda.

I recieved TWO emails from them, with my proof of insurance in them.

The first email stated all of the correct information, but an effective date of 8/18/14 through 8/19/14.......ONE DAY

The second email stated all of the correct information, with an effective date of 8/18/14 through 8/19/15

This has me worried that they may have screwed up my insurance account some how. I set it up online now so that I can avoid the dumarse reps at the call center in the future.