Steve Butters Posted April 1, 2015 Report Share Posted April 1, 2015 Better go sign up for that Bammy Care Quote Link to comment Share on other sites More sharing options...
dobr24 Posted April 1, 2015 Report Share Posted April 1, 2015 (edited) Similar story here we with riders insurance my Ducati was reclassified last year perfect driving record 43 years old multiple bike insurance and they jumped my insurance $800 anyway. I am now with Geico insurance I got cheaper rates and higher limits. I think it's good to shop. Edited April 1, 2015 by dobr24 Quote Link to comment Share on other sites More sharing options...
Tonik Posted April 1, 2015 Report Share Posted April 1, 2015 Another thing to keep in mind is the major medical coverage you carry does not cover the driver, only passengers. This is the same for car insurance. I got to experience this with my accident after my helicopter ride with life flight which cost us $28,500!! Not to mention all the other medical costs. My policy with my insurance co. gave me $5,000 and that is it for my medical expenses. I have full coverage with $250,000 for major medical. After doing some research we found out this only covers the passengers and our insurance agent said the most they offer you can have on the policy is $10,000 for the driver, so we increased all our auto/bike policies to that. It only cost us a few buck more a year. Believe me it's worth it. Some insurance companies only offer $5,000 max. All this time I have carried full coverage on all my vehicles thinking I would be covered across the board if there is an accident and that is just not the case. Talk to your insurance agent!! Let's get terminology right here, because it is important. When you say major medical coverage you mean 'Bodily Injury' right? If so, yes what you describe is how it works. It is liability coverage for medical expenses of people you injure.......which would include passengers. Quote Link to comment Share on other sites More sharing options...
Wolfman1 Posted April 1, 2015 Report Share Posted April 1, 2015 Let's get terminology right here, because it is important. When you say major medical coverage you mean 'Bodily Injury' right? If so, yes what you describe is how it works. It is liability coverage for medical expenses of people you injure.......which would include passengers.Yes you are correct. I just never asked the question and assumed the driver is included. Found out the good ol fashioned way. Quote Link to comment Share on other sites More sharing options...
2talltim Posted May 5, 2015 Report Share Posted May 5, 2015 Just switched over to Progressive and it was $152 cheaper than Riders and i have more and better coverage. My previous Riders premium was $325 a year for full coverage in 2 bikes and comp on one atv, with 2 riders then they jacked it up to $455. My new policy with progressive is full coverage on all three rides, roadside with trip interuption, and upped the coverages for $307 Quote Link to comment Share on other sites More sharing options...
tnugent1986 Posted May 20, 2015 Report Share Posted May 20, 2015 I was paying $230/y with full coverage, now that I droped down to basic I only pay $102/y I have speeding tickets out the ass... and my deductible is 500 Quote Link to comment Share on other sites More sharing options...
Bad324 Posted May 20, 2015 Report Share Posted May 20, 2015 I also just switched to progressive. Riders ended up sending me a revised bill and it was 3x what I paid before Quote Link to comment Share on other sites More sharing options...
smccrory Posted May 20, 2015 Report Share Posted May 20, 2015 They can't be in business much longer. Their insurance was attractive because price and track day coverage. They dropped the latter, and raised the former. Also, their roadside is complete crap for anyone that actually rides their bike. Agreed. I switched to Progressive for my home and 2 autos and am just waiting for my Riders contract to end before I expect a nasty rate surprise, in which case I'll go fully progressive. Unfortunately there doesn't appear to be a bundling benefit for motorcycles with Progressive. Quote Link to comment Share on other sites More sharing options...
2talltim Posted May 20, 2015 Report Share Posted May 20, 2015 Agreed. I switched to Progressive for my home and 2 autos and am just waiting for my Riders contract to end before I expect a nasty rate surprise, in which case I'll go fully progressive. Unfortunately there doesn't appear to be a bundling benefit for motorcycles with Progressive.There is. You will link your accounts after you sign up. I have 2 cars and all 3 bikes through them and get a discount. Quote Link to comment Share on other sites More sharing options...
Bad324 Posted May 20, 2015 Report Share Posted May 20, 2015 I actually got in the mail a flyer for another motorcycle specific company and now the name is escaping me. Hadn't gotten around to contacting them though Quote Link to comment Share on other sites More sharing options...
turnone Posted May 20, 2015 Report Share Posted May 20, 2015 I've found State Farm does well for sport bikes. The 1199 was $33/month for full. The scooter and little bikes have always been between $10-13/month per. Even the Aprilia. RS125. Part of the good price is my home and cars also insured with them. Hell, even my life is too. Quote Link to comment Share on other sites More sharing options...
8Rider6 Posted May 22, 2015 Report Share Posted May 22, 2015 (edited) Been with progressive since I started riding, never had a complaint. 2 bikes at a time being insured, less than a c-note a year. My bikes are way less valuable to them than you guys' bikes though. I've been with Progressive since I first started riding in 2008 and haven't had any complaints about them. Both the bikes I've owned haven't been worth much though, first was a '96 Bandit 600, and currently a 2002 Honda 919. Edited May 22, 2015 by 8Rider6 Quote Link to comment Share on other sites More sharing options...
zx3vfr Posted May 22, 2015 Report Share Posted May 22, 2015 (edited) I got Esurance for the 599. $83.00 a year for very very high liability $0 comprehensive with underinsured . no insurance body and property. No collision. Edited May 22, 2015 by zx3vfr Quote Link to comment Share on other sites More sharing options...
Scruit Posted May 28, 2015 Report Share Posted May 28, 2015 250/yr for Comprehensive on my DL650 from AmFam, with enough additional coverage for accessories - not just the naked bike. Quote Link to comment Share on other sites More sharing options...
Steve Butters Posted May 29, 2015 Report Share Posted May 29, 2015 I got Esurance for the 599. $83.00 a year for very very high liability $0 comprehensive with underinsured . no insurance body and property. No collision.This inspired me to check them out... I normally get insane prices from big box companies (550/mo with a clean driving record at progressive and geico both)... So I use national general and got it for 150/mo... They just renewed me at 900 down and 350 a month, which is around 5k where the others are (I got 2 tickets, one minor one major)... So I checked esurance for fun, and holy fucking shit... This is the quote on my one bike, that isn't even a supersport and only 998cc... And it's not even an error, they keep contacting me to start coverage Luckily I found a company offering full coverage for $76/mo (decided to use a broker)... But this esurance shit had me dying Quote Link to comment Share on other sites More sharing options...
Steve Butters Posted May 29, 2015 Report Share Posted May 29, 2015 They must use percentages for discounts... I got a $5800 credit for having an endorsement and having a current policy with another company...haha Quote Link to comment Share on other sites More sharing options...
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