insurance
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RE: insurance - 2/26/2008 4:20:20 PM
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Kbore
Posts: 142
Joined: 12/14/2007
Status: offline
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quote:
ORIGINAL: als88
i am thinking of switching insurance this spring and was wondering who you guys can reccomend for a better deal. right now i pay $600 a year for 100k/300k of liability, uninsured supplementary, comp and collision on my 06 road king. and i live in NY. probably more coverage than i really need. any thoughts and ideas. thanks
I pay $26 / year State Farm in Missouri: 02 FLHRi Road King
25K/ 50K
Uninsured Motorist 25K 50K
500 Deductable Comp and Collision
No Discount for MSF
Maybe I am underinsured..at least for uninsured motorist?
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Kbore
''02 FLHRi
V&H Slip-On
K&N High Flow
PCIII USB- Map by Jamie
White Bros 1" Rear Lower
Corbin Dual Tour
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RE: insurance - 2/28/2008 11:59:06 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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KBORE, $26 A YEAR, man thats cheap. ny must be way to expensive to live here, gotta move. lol
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2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/1/2008 5:51:13 AM
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1FLTRI4ME
Posts: 2519
Joined: 4/10/2006
From: Hollister,California.
Status: offline
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All you can do is shop around.Compare your coverage costs with others.There are many factors involved....where you live,credit score,tickets etc-.
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2006 Road Glide,Chopper Blue,SE slip ons,K&N,SERT,color matched lowers.
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RE: insurance - 3/1/2008 7:49:31 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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yea, i figured all that. i was just wondering if there is a certain ins co that is geared twoards riders.
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2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/2/2008 6:03:01 AM
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1FLTRI4ME
Posts: 2519
Joined: 4/10/2006
From: Hollister,California.
Status: offline
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You could check with GMAC-Rider.
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2006 Road Glide,Chopper Blue,SE slip ons,K&N,SERT,color matched lowers.
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RE: insurance - 3/2/2008 6:24:22 AM
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Uncle Scrooge
Posts: 842
Joined: 2/4/2007
From: Stillwater, Oklahoma
Status: offline
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Check with State Farm. We have used them over 40 years on vehicles and home and always been treated right. Their prices are always very competitive.
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06 ElectraGlide Classic
My hero!
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RE: insurance - 3/6/2008 12:29:55 PM
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JakeSabre
Posts: 193
Joined: 5/3/2007
Status: offline
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Bikeline/Markel may still have its program where you get a lower and lower rate as the years progress, my buddy here in Texas pasy a fraction of what the rest of us pays, he has been with them for 20 years.
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Jake
1998 FXDWG
Austin, TX
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RE: insurance - 3/6/2008 9:53:53 PM
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RADLINE
Posts: 39
Joined: 1/10/2007
Status: offline
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quote:
ORIGINAL: JakeSabre
Bikeline/Markel may still have its program where you get a lower and lower rate as the years progress, my buddy here in Texas pasy a fraction of what the rest of us pays, he has been with them for 20 years.
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Hey JakeSabre - Has your friend ever had to put in a claim?
If so - was he treated fairly?
I have everything with State Farm - Very good to deal with and pretty reasonable also.
I've only had to put a house claim in - bird flew into my sliding glass door and shattered it - they payed for an entire new slider - no worries here.
Just wondering if cheaper is really better is all?
Thanks...
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07 FLHX - Ness BS 1 - Dyna PCIII - RineHart True Duals - Love it!
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RE: insurance - 3/7/2008 10:42:18 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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ok, did a little checking around and here's what i found:
bikeline/markel-$509
allstate-$635
geico-$679
progressive-$398
quotes for about the same coverage or as close as i could to make them all the same. i have a couple more quotes on the way and will post results when they come in. so far i guess i am leaning towards progressive.
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2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/7/2008 1:28:00 PM
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Mr springer
Posts: 104
Joined: 9/10/2007
Status: offline
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Chea Insurance , WoW.
Good thing you're not in BC .
ICBC has a monopoly ,,full coverage = 1200-1400 a year ++
I only insure for 7 months cuause the weather sucks
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If a man hasn't discovered something that he will die for, he isn't fit to live.
-- Martin Luther King Jr
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RE: insurance - 3/7/2008 7:55:27 PM
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RADLINE
Posts: 39
Joined: 1/10/2007
Status: offline
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quote:
ORIGINAL: als88
ok, did a little checking around and here's what i found:
bikeline/markel-$509
allstate-$635
geico-$679
progressive-$398
quotes for about the same coverage or as close as i could to make them all the same. i have a couple more quotes on the way and will post results when they come in. so far i guess i am leaning towards progressive.
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Use some Caution - If your going with Progressive.
I had a friend do that - he thought he was getting a smokin good deal - then 1 month into his policy - Progressive sends him a bill for the Adjusted Rate!
Nice - Think about it - if its to good to be true - Its probably not the way to go.
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07 FLHX - Ness BS 1 - Dyna PCIII - RineHart True Duals - Love it!
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RE: insurance - 3/8/2008 3:40:10 PM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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yea, thats why i'm shopping around. latest quote from united marine-$432. not too bad. getting a better idea of rates
_____________________________
2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/9/2008 7:27:41 AM
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1FLTRI4ME
Posts: 2519
Joined: 4/10/2006
From: Hollister,California.
Status: offline
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Right now i'm paying $533 with GMAC,full coverage w/100-300 liability.Did some searching and here are some results.....AAA $863,Markel $1023,Formost $825,Nationwide $473.
Going to be switching to Nationwide,they had a lower rate with some higher coverages on property damage,uninsured and accessory limit.Also they have a $100 towing reimbursment and a 1yr. AMA membership.
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2006 Road Glide,Chopper Blue,SE slip ons,K&N,SERT,color matched lowers.
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RE: insurance - 3/9/2008 10:31:29 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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quote from mcgraw-$560. running out of companies, lol
_____________________________
2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/9/2008 10:38:05 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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this is from united marine insurance
2006 HARLEY DAVIDSON FLHRCI ROAD KING
------------------------------------------------------------------------
--
Required Liability Limits: Deductible: Limits:
========================================== ===========
===================
Bodily Injury $100,000 /
$300,000
Passenger Liability $100,000 /
$300,000
Property Damage $100,000
Personal Injury Protection $50,000
Optional Liability Limits: Deductible: Limits:
========================================== ===========
===================
Uninsured Motorist Bodily Injury Not Covered
Medical Payments $5,000
Physical Damage Coverages: Deductible: Limits:
========================================== ===========
===================
Collision $500 Covered
Comprehensive $500 Covered
Economic Loss Coverage $25,000
Safety Equipment Covered*
Supp. Uninsured/Underinsured Motorist $100,000 /
$300,000
Supplemental Spouse Protection $100,000
Emergency Road Side Assistance and Towing Covered
Custom Parts, Equipment and Accessories $3,000*
(see coverage details in the notes below)
Total Annual Premium &n
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2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/9/2008 10:51:46 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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this is from progressive, total is $376 other quote from progressive is $398 difference is $22 because of comp deductible is $250 in higher price quote. even better.
Vehicle #1 -2006 HARLEY-DAVIDSON FLHRCI
Bodily Injury:
$300,000 Combined Single Limit (CSL) $103
Property Damage:
$300,000 Combined Single Limit (CSL) included
Pedestrian Personal Injury Protection:
$50,000 $3.00
Supplemental Uninsured/ Underinsured Motorist Bodily Injury:
Basic UM/$300,000 Combined Single Limit (CSL) SUM $58
Medical Payments:
$2,500 each person $46
Optional Basic Economic Loss:
$25,000 $7
Rental Vehicle Physical Damage:
No coverage
Transport Trailer:
No coverage
Vehicle #1
Comprehensive:
$500 deductible $35
Collision:
$500 deductible $116
Roadside Assistance: $8
Selected
Accessory coverage:
$1-$1,000 included
total $376
_____________________________
2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/9/2008 11:01:00 AM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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geico
Your total premium for a 12 month policy will be $662.
To purchase your policy over the phone, please call 1-800-442-9253.
The details of the coverages and premiums for 2006 HARLEY FLHRCI ROAD KING CLASSIC are:
Bodily Injury Liability(BI)
100/300
$89.00
Property Damage Liability(PD)
100M
$22.00
Medical Payments(MED)
2M
$28.00
Pedestrian Personal Injury(PED-PIP)
BASIC
$10.00
Uninsured Motorist(UM)
100/300
$255.00
Comprehensive(COMP)
500
$128.00
Collision(COLL)
500
$123.00
Towing(TOW)
NON-DED
$7.00
_____________________________
2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/15/2008 8:43:38 AM
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wallbanger
Posts: 2
Joined: 2/26/2008
From: M. Walling
Status: offline
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Try Farmers just changed from State Farm and saved $200.00 PRR. Yr. 100/500 property damage 100/500 injury 100/500 uninsured -underinsured 240 deduct. 5000 in bling and aparell All for $324.00 per. Yr. 12 Mon. ridding coverage not 8 Mon. 4 Mon. like state farm
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RE: insurance - 3/15/2008 3:40:11 PM
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als88
Posts: 155
Joined: 10/4/2007
Status: offline
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i'll give them a call. thanks for info
_____________________________
2006 ROADKING CLASSIC
V&H DUALS+WILDPIGS
SE AIR
PC3-USB
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RE: insurance - 3/21/2008 2:28:51 PM
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gjb1952
Posts: 437
Joined: 3/15/2008
From: Milwaukee, Wi....Land of the Free
Status: offline
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quote:
quote:
ORIGINAL: Kbore
quote:
ORIGINAL: als88
i am thinking of switching insurance this spring and was wondering who you guys can reccomend for a better deal. right now i pay $600 a year for 100k/300k of liability, uninsured supplementary, comp and collision on my 06 road king. and i live in NY. probably more coverage than i really need. any thoughts and ideas. thanks
I pay $26 / year State Farm in Missouri: 02 FLHRi Road King
25K/ 50K
Uninsured Motorist 25K 50K
500 Deductable Comp and Collision
No Discount for MSF
Maybe I am underinsured..at least for uninsured motorist?
A year....I don't think so...that sounds like liability only.
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RE: insurance - 3/21/2008 10:48:58 PM
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PolarBear62
Posts: 92
Joined: 2/15/2008
Status: offline
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Right now I'm with markel... great deal at a little less than $500/yr.... If you live outside the city try Farm Bureau..
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RE: insurance - 3/22/2008 5:51:40 AM
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lrntowrench
Posts: 144
Joined: 12/9/2007
Status: offline
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People really ought to start using the search function. There are at least two other threads about this same topic going on right now.
To paraphrase a comment from one of them, you need to be real careful about insurance. Asking other people about rates is worthless. Your rates depend on where you live (zip code), how you use your bike (recreation or primary transportation), the bike itself, what you've done to the bike, what coverage you want, your driving record, and even your credit rating. Not only that, but the policy statement doesn't show everything. You need to ask about how they place a value on your bike (in particular in the event of theft). When they say something like "it's based on book/NADA/KBB value", you need to ask them what that value is.
The only thing that somebody elses opinion about an insurance company means is how well they've done in customer service or taking care of their particular claim. It has very little bearing on whether or not it's the right choice for you.
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''''92 Heritage
R&R 113", R62T Cam
S&S G w/Thunderjet
Jims 6spd
Bassani Road Rage
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RE: insurance - 3/26/2008 11:16:04 AM
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StargazerXT12
Posts: 1363
Joined: 5/3/2007
From: Tacoma, WA
Status: offline
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I have Foremost, and Pay about $528 per year. That includes 10,000.00 in MedPay and $3,000 in Addons.
Plus when we put in a claim they were the BEST. Right there, got all the paperwork done, got the check to the dealership for the repairs and when there was a dispute over medical coverage they paid it, so I have no complaints with them.
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StargazerXT12
2007 883C Sportster Black Pearl
Thanks to 2ForTheRoad for the Sig!
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