How much are you paying for your 2014+ HD?
#11
06-25-2019, 10:53 PM
Thanks Everyone for your responses. With all the different companies out there and obviously quote possibilities, I went with my old coverage company, Dairyland.
When compared to 5 other companies in a side by side, online quotes, I found Dairyland was about $80 cheaper than HD for my wants. So my monthly expenses dont exceed $45 and i think that is more than what i have expected.
The only thing i am wondering if how this policy covers a whole year of driving when North Dakota can only ride 9 months max.
When compared to 5 other companies in a side by side, online quotes, I found Dairyland was about $80 cheaper than HD for my wants. So my monthly expenses dont exceed $45 and i think that is more than what i have expected.
The only thing i am wondering if how this policy covers a whole year of driving when North Dakota can only ride 9 months max.
#12
07-03-2019, 03:17 PM
Intermediate
#13
07-03-2019, 10:13 PM
#14
07-04-2019, 10:20 AM
Intermediate
#15
11-18-2019, 03:44 PM
Banned
You are exactly correct. We quote hundreds of policies and you will almost never see the premiums come out the same. There is more to an insurance policy than the final premium--what do you want out of the policy??
If you own a MY2017 and newer (don't have to be the 1st owner) you are eligible for replacement coverage that never expires. Imagine if your motorcycle never lost value. That is essentially what this policy provides.
I have my Limited insured with this Replacement Policy and for as long as I own it, if it is declared a Total Loss, the policy will buy me a brand new, current year model. To me, this benefit was extremely important--when I found out it was the same cost or lower than: Progressive, Foremost, Dairyland, and Safeco, the decision was very easy!
If you own a MY2017 and newer (don't have to be the 1st owner) you are eligible for replacement coverage that never expires. Imagine if your motorcycle never lost value. That is essentially what this policy provides.
I have my Limited insured with this Replacement Policy and for as long as I own it, if it is declared a Total Loss, the policy will buy me a brand new, current year model. To me, this benefit was extremely important--when I found out it was the same cost or lower than: Progressive, Foremost, Dairyland, and Safeco, the decision was very easy!
Mike
#16
11-18-2019, 03:51 PM
American Modern's Motorsports policy's replacement coverage never expires for on-road motorcycles, ATVs, and Snowmobiles. UTVs (Side x Sides) don't qualify for replacement coverage.
Model Year 2017 can lock this coverage in until 12/31/2019. Come 1/1/2020--Model Year 2018 will be the oldest bikes to remove depreciation from the claims when replaced.
Model Year 2017 can lock this coverage in until 12/31/2019. Come 1/1/2020--Model Year 2018 will be the oldest bikes to remove depreciation from the claims when replaced.
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Jim Palmer
Semper FiMotorcycle Insurance Specialist
Extended Service Plan Specialist
www.motorcyclecycleagent.com
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Toll Free: (800) 920-0890
Direct: (608) 335-0970
*** Exclusive Discounts for Forum Members, Military/Veterans, First Responders, and HOG Members ***
The following users liked this post:
IRONMIKE@8 (11-18-2019)
#17
11-23-2019, 02:50 PM
Road Warrior
I'm ready to get back on 2 wheels as soon as HaulBikes delivers in 2 weeks. Since my 2014 FLHTCU is almost brand new (800 miles), I have no idea how much Bike insurance is suppose to be. So I am looking to see if my quotes from Progressive, Dairyland, and HD are in the ballpark.
As for me, 50 yr old Male, married, with no tickets in 10 years, no accidents in 18 yrs., and ABATE training in 2014.
Progressive is maxed at $775/yr ($550/yr if no medical reimbursement)
Dairyland is $530/yr
HD is $500/yr
i was thinking these are a little high since i have zero tickets or accidents.
What do you think?
As for me, 50 yr old Male, married, with no tickets in 10 years, no accidents in 18 yrs., and ABATE training in 2014.
Progressive is maxed at $775/yr ($550/yr if no medical reimbursement)
Dairyland is $530/yr
HD is $500/yr
i was thinking these are a little high since i have zero tickets or accidents.
What do you think?
Factors based on your insurance score, credit score, claims rate in your area and model, even where it will be stored.
Plus how much coverage
Try Markel.
14 RK maxed out, uninsured, under insured, liabilty100/300, comp, collision cost me $400 a year.
I normally don't select medical payments on anything seems silly and redundant since I have insurance but I can't say if I remember this policy has it or not.
but I normally decline Medical on any policy I have if that option is there.
Last edited by alarmdoug; 11-23-2019 at 02:53 PM.
#19
02-02-2020, 07:23 AM
#20
02-02-2020, 09:25 AM
Outstanding HDF Member