Motorcycle Insurance

Anyone here use Progressive? Any thoughts on them? Good/bad/ugly?

The rate they gave me is good, and just to check they gave me some good rates on home/auto as well so I am considering moving everything over to them. But I don't know anyone that has them, or that has used them so I am not sure if they are good, and good to deal with when the need arises.

 

I carry USAA for home and auto, but they do not cover motorcycles. Instead, they partner with Progressive to provide that coverage for their members.

I have been insured by USAA for the greater part of 20 years. Excellent service, great rates. My parents have been using them for close to 50 years, and both my brothers as well. None of us have found better rates elsewhere, let alone comperable service. The fact that they farm this part of their business to Progressive is enough for me.

 

I have Progressive for my bikes but have never had a claim (fingers crossed, knock on wood, etc.). Happy with the rates, though. I just went with antique plates on my Seca and Maxim and keep meaning to call Progressive to see if the rates would be even lower.

 

I have had progressive ins on my 81 650 Maxim for many years in MI. I have a very clean driving record had no claims.
I have full theft coverage and medical included in the policy all for less than 200 for 12 months. The full theft is only a couple bucks more compared to without. They won't cover comprehensive for some reason. I guess they feel parts would be too hard to find or to expensive to replace.They would rather just pay off the whole thing.

 

I've got Progressive on my bike too and have never made a claim (knock on wood!). I have Maine Mutual for the house and cars but they don't cover motorcycles.

mikeg

 

Cole,

How did you get/do the antique plates?

 

Went to the DMV (Texas) last week to renew both plates and the clerk asked if I wanted the antique. Cost a few dollars more but are good for 5 years and you do not have to get (read, pay for) yearly safety inspections. They do have restrictions but doubt that is a problem as my riding is purely recreational anyway. I have antique plates on a couple cars, too, and the insurance rates are less per year than I am paying for motorcycle insurance, which is already very low.

 

Interesting, will have to see how that plays here in New York.

Thanks for the info

 

I'm using Progressive right now, not too bad. Farmers' was a lot cheaper but that was when I had my car through them.

That being said, it's renewal time and for the Norton anyway, I'm going to go the "historic" route. Plate is 25-year permanent and you can use an "authentic" plate (a plate that matches the vehicle year) of your own choosing; looks like I may go with Haggerty on the "collector bike" insurance, I'm waiting for a call back from my agent.

My XJs get ridden too much (commuting and all) to pull that off with either of them.

 

I have progressive too, i just moved from idaho this year to Washington and my rates bout doubled because they said of the difference in population, more cars more wrecks i guess!

 

yeah I just checked NY DMV for the historic plates and registration(s). This bike will get way to much usage to even be close to trying to explain it ;-)

Progressive seems to have the better price in my area, so I think I will just go w/ them and see how it pans out. Thanks all for the info!

I see some good/horrible reviews online for every insurance company out there so this helps ;-)

 

Progressive is who I use and the cheapest I found. I have a clean record and just have liability as I figured if there was a mishap parting it out would make the most sense. I didn't think that $96/year was bad at all.

How does that compare with others?

 

Honestly, just on a whim and so i can give them a chance, I just called my allstate rep and he was able to get everything I have down to a 'close-enough' range so it wouldn't be worth it for me to deal with changing all my insurances over. Plus he didn't drop or reduce anything in my coverage so that's good.

He was saying that their homeowners group has a new system that can really drop the price down - so if anyone has Allstate for homeowners, give your rep a call they might be able to help out. The recalculation saved me 200$ just on that alone for the year.

He quoted me 50$ for my 81' XJ750 seca with 100/300 liability; can't beat that.

Even with comp and a few other things (like medical payments) w/ a 100$ deductible the cost was like 95$ so thats comparable.

 

Thanks for the heads up on the comp not adding that much to the cost for you. Just out of curiosity, I went to see what comp would do to my premium.

After getting a quote, I found that I could add comp with a $100 deductible for the same price ($96/year) that I was paying for just liability.

I feel better now. Someone trying to steal these bikes is not that common, but it does happen. I believe it was Cappy that had someone try to make off with his bike.

 

I have Geico for my car and for my bike. I haven't had any problems. Prior to this I had Progressive and AIG. They all had comparable rates.

they all provided similar service. And, I have no complaints on any of them.

 

I too have Progressive for my car and motorcycle insurance. They were the cheapest I found.

I have good credit and a good driving record until recently ::blush:: I got a few speeding tickets the past year, and also had a wreck with property damage. They didn't raise my rates through the roof, I think now I pay $95.00 a month where before I paid $84.00. (full coverage on my van, liability on the bike now)

When I moved from West Virginia to Tennessee my insurance cut in half. They said because of the amount of liability insurance in West Virginia. I know the reason.. people are sue happy in that state. It's to the point State Farm won't write any new auto insurance policies in WV unless you are already a State Farm customer. (that's another rant for another time.. I'm sooooo glad I got out of that place)

 

Yeh, in Florida to get an antique plate it has to be 30 years old or older, with an engine at least that age. Few more years before my bike's eligible.

 

I have progressive too.
My rate was like $25 a year but, the minimum rate for a bike was $75.
So she started adding coverage until I got to the $75 dollar mark.
I really don't know what coverage I've got but it is way more then the minimum.

 

haha with 3 suspensions and a few car wrecks and being younger,My insurance is with progressive about a 130 every 6months... Still not too bad tho

 

WTF cly_adams...

I pay $33/mo with no motorcycle related tickets (one speeding in the wife's car a few years back). That is with Geico, including the two other cars discount.

Then again, I have only been riding since Aug of last year.

 

I have Progressive in Utah, and it costs me $30 a year.

 

I have progressive for my bike and haven't had any problems at all. They are very helpful on the phone and gave me base insurance for under $100 a year. No one else could even come close...

 

:lol: :lol: well between 16-18yrs old i was in to the whole racing scene and then a few accidents later and here i am with a very very high insurance rate :lol: oh well another year and ill be able to get the 25yr old rates :lol:

 

You all should give GEICO.com a try. The online quote application is the best around. I am a little biased though as I am on the team that built it and am now one of the primary devs handling updates and maintenance.

 

Even with your VIN GEICO will list your bike as a Maxim if you have a Seca. Mine comes out to 130 a year as a new rider that hasnt taken the safety course yet.

 

You guys are all still lucky -- I'm in Ontario, the bend-over-and-grease-up province. Just for the bare minimum insurance to ride, it's $350 a year -- no extras.
And for reference, I'm 40, married, kids, 15+ years experience, no claims, rider training (x2), and have been a motorcycle Rider Safety instructor.

 

So you could put in a seceret lower their rates coding in that you then post on this board right? 8O :twisted:

 

Somehow i think even acknowledging the thought of doing such a thing would be frowned on by mgmt.

 

Just called TD Home and auto insurance and they quoted $ 200 less than my present one Jevco did.
I guess I'll be changing

 

Of course. Only a joke. Wouldn't even think of actually doing it.

 

Checked progressive yesterday. $95/year. That is almost 1/4 what Geico wants...

And I used GEICO.com! It is pretty cool, but it would be nice if I didn't have to have a login for auto and a different login for motorcycles.

 

wow!! thats good paying 15 a month with geico for my seca.

 

I just picked up full insurance (liability and comp) w/ 100$ deductible (mainly in case someone steals bike or just completely wrecks it), for 96$ a year through my allstate agent

 

i hate u all oh well lesson learned being a trouble maker when ur younger costs u alot more then u can imagine later on

 

Yeah it sucks. But that isn't the only reason you get high insurance rates.

I paid out the A$$ for car insurance.

I was on my parents policy from 16-18. I then got married. Was on my husband's policy. Divorced and lived with the parents again so on their policy again (moving back home at 24 sucks really bad lol) I remarried at 25 was on the second husband's policy.

5 years later I found myself divorced, low paying job, with No credit and considered a high risk driver because I'd never had a policy in my own name, only a named driver. I also lived in the part of West Virginia that cars were more to insure because of the pay outs on other people's insurance. (see before about the money hungry sue happy ppl in WV)

It wasn't until the past year or so I was finally able to get decent insurance rates because I built up my credit, and had a policy with no lapses for over a year.

And another lesson for you younger folks. Don't f*ck up your credit! You'll pay for it for a very very long time.