Thanks ya i am in Ca and just wanted to see what were good companys.

 

I use State Farm for all my vehicles and house. Done good by me.

Hack

 

I'm in San Diego, been using GMAC insurance for the past 12 years or so. Igo with state mins on coverage and have my deductibles set at $1000 each, thinkI paid about $280 for 2007.

Rick

 

Had original thru HD ins. They hooked me up with Foremost. No real premium cahnge for two years then wham- up 50% to renew this year. Not for me. Called HD ins and they tried a couple different carriers. Now have Safeco for less than Foremost two years ago. A lot depends on where you are (as others have noted).
Shop identical coverages from one carrier to the next.

 

Uhhh...I hope you guys are paying particular attention to WHAT coverage you have...NOT the premium amount!
Most policies are standard with a $5000 medical. Do you HONESTLY think if you get bad hurt, $5000 is gonna cover it?

I've searched & searched insurance rates and the best I've found for my money is through Farm Bureau. Sure, you pay $25 dollar yearly membership fee but what you save in rates will offset the $25, several times. As for claim service...I've had 1 claim with them and didn't have a prob at all...they cut me a $38,500 dollar check for a custom chopper I built that was stolen.

I currently have Full Coverage on my Street Glide...100/300/100 (these are limits) with $500 Deductibleand $50,000 Medical...I pay $386 per year. This is full year coverage, none of this "ride 10 months, park it for 2" garbage...I ride when I want to ride, not when some insurance company tells me I can ride!

Progressive & Geico are some of the highest rates out there...IF you compare apples with apples.

I have a few buddies that are insured through BikeLine...they have good rates too.

 

Progressive: 04 FLHRIand 81 FLHS: $15/30/10K liability; $15/30 uninsured; $250 Comp ded; $500 Coll ded; $3K custom parts;roadside assistance:

Total for both bikes per YEAR $352.00.

Your past, present and future, as verified by your credit score, WILL vary...

Later

Hogback

 

I live in a Canadian province with ridiculous insurance regulations.

In some provinces, private insurance companies compete with each other. In the province in which I live, the provincial government is the sole provider of vehicle insurance in a state operated monopoly.

Until a few years ago, residents experienced a fair system with premiums being better than most anyone would get from a private insurer. Rates were based on local and national claims experience. The government operation is run as not-for-profit. In the event that more premiums were collected than were paid out, a reduction in premiums was in order for the next year. It was all good.

About 10 years ago, it was noticed that a disproportionate amount of claims dollars were being paid for motorcycle claims. The government decided that motorcyclists should shoulder the burden of these claims. The government unilaterally chose to assign the claims experience of motorcycle payouts to a motorcycle grouping regardless of who was at fault for individual claims. If a motorcycle got into an accident with a car, the cost of the claim was assigned to the motorcycle group even if the car was 100% at fault. The cost includes all medical and rehabilitation costs, which are typically higher for motorcycle accident victims.

So - I have to get motorcycle insurance through the state operated system. I have no choice in the matter. The premiums are horrendous. For my 2002 FLHTPI with $500 collision, $500 comprehensive, $5M 3rd party liability the premiums are $2,355 per year. I receive 25% off due to my good driving record, bringing my amount payable to $1,839.

What's more is that all premiums are due during the riding season. Meaning that it costs me $1,839 to ride from April 1 to September 30. My bike remains fully insured all year, but if the premiums were based on year round coverage, I would have the option of removing the liability portion and simply putting on storage insurance during the 1/2 a year that there is no riding here due to winter.

My ratings group includes all motorcycles. Everything from Full Dressers to Crotch Rockets. If a 19 year old kid trashes his GSX and spends 25 years in a rehab centre, my group pays for that claim including all medical expenses.

The government insurance operation here is no-fault. Meaning that assuming that I'm in an accident and that the other vehicle is at fault, I cannot sue the individual from the other vehicle. I am provided with what I need for treatment and rehabilitation, but it is an arbitrary decision from the government insurance office. Claims for things like loss of livelihood or civil damages are pretty much non-existent

The inherent unfairness of the situation sticks out like a sore thumb. And the government flaunts it in front of our collective faces. Every year that motorcycle insurance rates go up 9 or 10%, the uproar from motorcyclists is very loud. However, Joe Q Taxpayer is typically not a motorcyclist. The government tells Joe (and Joe likes hearing it) that motorcyclists are a category unto themselves and they pay for themselves. Taxpayers do not shoulder the burden of disproportionate payouts for motorcycle claims.

I'm envious of those of you who have a choice about from whom you purchase insurance, and that you only pay a few hundred bucks for a year.