What's everyone paying for insurance?
#31
09-17-2018, 02:05 PM
Tourer
Just went through this and have a tip for folks on the Uninsured motorist part. If you have a car policy with the same company, it is GENERALLY cheaper to "stack" your UM coverage on the auto policy rather than buying it through your cycle policy. Stacking means that one policy covers vehicles on all policies. Please don't just take my word for it (although I researched it and asked multiple agents and always got the same answer). Just ask your agent if you are in the same boat as me - i.e. wanting UM coverage and having a car policy with the same company! I am in FL, so don't know if that matters.
#32
09-19-2018, 01:29 AM
Intermediate
You never know how good your insurance is till you have to file a claim. That is where you really find out who is the best. Currently with Progressive, have been with Allstate in the past, I usually check around every year before I renew just to see the differences, usually not enough to switch.
#34
09-19-2018, 03:20 AM
Stellar HDF Member
Location, location,location...
I have Dairyland now, was with Flo and then the lizard but Dairyland blew them away (for now) always pays to shop around every couple of years. My daughter had no problem with Dairyland when she had her accident.
My current coverage on a 2005 Ultra Classic
Total Cost:
I have Dairyland now, was with Flo and then the lizard but Dairyland blew them away (for now) always pays to shop around every couple of years. My daughter had no problem with Dairyland when she had her accident.
My current coverage on a 2005 Ultra Classic
Premium Summary
Description
Premium
Premium
$249.08
Coverage
Bodily Injury Liability
Current Limit: $250,000/$500,000
$44.86
Current Limit: $250,000/$500,000
$44.86
Guest Passenger Liability
Current Limit: $250,000/$500,000
$26.28
Current Limit: $250,000/$500,000
$26.28
Property Damage Liability
Current Limit: $100,000
$46.90
Current Limit: $100,000
$46.90
Uninsured/Underinsured Motorist Bodily Injury
Current Limit: $250,000/$500,000
$28.32
Current Limit: $250,000/$500,000
$28.32
Uninsured/Underinsured Motorist Property Damage
Current Limit: $50,000
Deductible: $250
$1.92
Current Limit: $50,000
Deductible: $250
$1.92
Medical Payments
Current Limit: $2,000
$16.08
Current Limit: $2,000
$16.08
Vehicle Coverage
Comprehensive
Current Limit: $60,000
Deductible: $250
$11.64
Current Limit: $60,000
Deductible: $250
$11.64
Collision
Current Limit: $60,000
Deductible: $250
$61.08
Current Limit: $60,000
Deductible: $250
$61.08
Optional Equipment
Current Limit: $5,000
Included
Current Limit: $5,000
Included
Roadside Assistance
Current Limit: Yes
$12.00
Current Limit: Yes
$12.00
Last edited by elPrez; 09-19-2018 at 06:18 AM.
#35
09-20-2018, 02:00 PM
Stage IV
Join Date: Aug 2018
Location: Denver
Posts: 4
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It's so hard to compare insurance costs and what a pain in the butt! It's silly to compare your rates with another person because everyone is a different risk and often different policies or carriers have different coverages...
If you're shopping around I had great luck with the team at https://www.itscovered.com
They work with about 20 insurance carriers and can sell policies in pretty much every state
If you're shopping around I had great luck with the team at https://www.itscovered.com
They work with about 20 insurance carriers and can sell policies in pretty much every state
#36
09-20-2018, 02:03 PM
Seasoned HDF Member
#38
09-20-2018, 08:09 PM
Road Warrior
I think you would be hard pressed to find a rate better then what Markle Motorcycle ins offers as you are dealing direct with the company
But no sense on asking others, open a web browser and start getting quotes,
As others have said, its almost impossible to ask other riders as your rate depends on where you live, what your driving record is and what your credit score is, oops and your claims history
)
But no sense on asking others, open a web browser and start getting quotes,
As others have said, its almost impossible to ask other riders as your rate depends on where you live, what your driving record is and what your credit score is, oops and your claims history
)
#40
09-23-2018, 01:31 AM
1st Gear