Insurance Time
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Ultimate HDF Member
Joined: May 2008
Posts: 6,508
Likes: 169
From: WPB, FL
Insurance Time
Well, insurance time is a little over 1 month away so I am doing my due diligence and browsing thru companies and prices here in the FLAT state of Florida. Liability coverage is a no brainer here because prices are fairly cheap UNTIL I add on PIP! My $100 or so yearly premium rises to anywhere from $700 to $1900 and change, depending on which company I choose! I wouldn't consider eliminating or reducing the amount of PIP I have - SO - my question to all my fellow Floridian bikers being, who do you use for motorcycle insurance IF you have PIP! I'm not really interested in a lecture of who is a bitch to deal with if or when the time comes in as much as I am interested in hearing my insurance company options. 
Road Master
Joined: Mar 2013
Posts: 925
Likes: 15
From: So. Fla.
PIP is for autos in Fla
You should be asking for medical coverage rather than PIP. You can take a higher deductible if you can show your health insurance does not exclude accidents arising out of the use of motorcycles. This can knock your premium down a little bit.
Outstanding HDF Member
Joined: Jun 2011
Posts: 2,062
Likes: 4
From: Boca Raton, FL
I started with geico, then every renewal I check progressive,
When progressive is looking for business they are cheaper than geico, but I am back with geico as progressive was more the last two years
And I have geico for the cars and still sometimes progressive was cheaper
When progressive is looking for business they are cheaper than geico, but I am back with geico as progressive was more the last two years
And I have geico for the cars and still sometimes progressive was cheaper
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Cruiser
Joined: Jul 2016
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Road Captain
Joined: Sep 2015
Posts: 656
Likes: 115
From: Florida
I have Progressive, but at around $900 a year they are expensive! House and car was with them and slightly cheaper than others. The last time I check State Farm would be a little cheaper on my Harley but they wouldn't do a stand-alone policy just on the bike.
Tourer
Joined: May 2015
Posts: 390
Likes: 55
From: Orlando Fl
I didn't realize they would not do bike only. I have our house, rv, 4 cars , a trailer and the TG all with State Farm. That may be why I got a good deal on the bike