I had State Farm for my bike insr. I had full coverage with $300k liability and $100k uninsured motorist coverages. My rate was like $55/month. Now I'm trying to get insr again for an upcoming bike purchase. State Farm is no longer insuring bikes in my state as of recently due to losses, Geico quoted me $188/month, Farmers quoted me $300/month, Nationwide and Allstate say they can't quote me without a credit check which I refuse to do (how the hell does paying my bills on time make me a bad driver).

Can anyone recommend a good but not so darn expensive insurance company???

 

I had progressive since 08. No claims or tickets, my rate almost doubled. Their excuse was the new limited.
Going with dairyland, 30 percent cheaper with more coverage.

 

I had Markel for over 8 years, but found the Geico was cheaper by about $100 a year. I now pay just under $400 a year....

 

Move out of NY??? Think I pay less than $700 a year for 2 bikes but both are older. I do have overage coverage on both bikes though. Good thing as my Road King was just trashed. Sorry I can't help more.

 

I have Rider. I have full coverage on my Harley and liability on 3 ATVs with them and I pay $600 for the year

 

Credit checks are becoming more and more common. Soon there will be no way to get around it. Some employers are starting to do a check prior to employment.
I have State Farm so I can't be of much help. Costs are going though the roof for all insurers

 

AARP/Foremost if you are old enough.

 

Some insurance companies use credit checks as an indicator of potential liability and a means of setting the policy rate for the individual. Poor credit is a statistical indicator of possible liability. It's just in the numbers. If you are a homeowner with good credit you are less likely to file a claim than someone who is a renter with poor credit. Why this is so is irrelevant. There is a statistical relationship between such things. You wouldn't be denied a policy for bad credit. Your rate would just be higher.

Insurance companies all use different models that employ various factors -- age, past driving record, accident claims, rent/own, credit rating etc. Insurance companies are starting to come to the conclusion that a poor credit rating is a statistically more significant indicator of a potential accident claim within the next year than the presence of moving violations. They place more weight on this factor now than in the past. Also, those with poor credit are ten times more likely to file a false claim and commit insurance fraud. Not that most people with poor credit commit fraud, it's just that they are statistically more probable to do so, for obvious reason..i.e.poor financial situation. Poor credit wouldn't make you a bad driver. It just that some insurance companies get more claims filed by those with poor credit than those with good credit and you will be charged a higher premium if you fall in the former pool.

 

Yes normal for a credit check around here for same reasons wolf said. I have Progressive and pay less than $400 a year. Took a MSF course last year and got a discount for it.

 

I just checked with Dairyland. They only want $33/month but the most liability they'll sell is $250k. Unfortunately my umbrella policy requires $300k minimum liability. They don't even care if you have a motorcycle license endorcement or not (which I don't lol).