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Thread: Recommendation on Motorcycle Insurance Company

  1. #16
    Western Michigan.

    Insure a home and vehicles all fully owned, no mortgage debts or liens. 15 year old Honda Civic. 25 year old Chevy 2WD truck. '83 BMW R65. '83 Puch moped.

    I'm considering switching from Progressive to State Farm. I'm in the process of ferreting out the quoted details for accuracy, but my present agent has dinged me very very very very hard for a couple of brief payment lapses in the last two years. 30 years with them as an otherwise excellent customer. Home and auto.

    Recently I went looking afield in town for another agent/company and State Farm quoted me almost 1/2 less!! than Progressive. 3400/yr vs 1850/yr. Same coverage levels on balance. I apprised the agent of my two lapses in coverage. State Farm was much lower in general, but a large part of the savings results from State Farm allowing nominal cost storage of my Honda Civic and my Chevy truck during the months that I ride motorcycle and scooter 99.99 percent of the time. They'll temporarily bind coverage on the civic in any emergency need I many have. Progressive required me to maintain full coverage on the vehicles in storage. State farm bills me 37 dollars/6mo for the Honda, and 17 dollars/6mo for the old Chevy. I think USAA told me that I needed variably 40 to 60 percent of coverage for vehicles in storage. Huge difference.

    I'm aware that this State Farm agent may be dangling a carrot to sign me up and creep up the prices within a couple of years and I'll find myself back at square one. I intend to sit down with the owner (small office) and see if I can get some reassurance that this will not happen.

    And yes, before anyone feels compelled to remind me, I am not trying to minimize my obligations for paying bills on time. I understand fully the importance and accept total responsibility for my actions. In this case I believe the level of costs/consequences exceeds the act.

    I did contact USAA as well. I was in the AF from 81 to 87 with honorable discharge. I was hoping that might account for something substantial but it wasn't the case. USAA offered no savings over the rates that Progressive offered. Reading this thread now I'm not surprised. I did not know about their relationship. In any case I was astonished that USAA seemed less willing to accommodate members on storage since military familys would seem to be a demographic in great need of such services for frequent moves and deployments.

    I'll weigh back in here should I decide to switch and relate how my conversation with the agency owner went.

  2. #17

    Cool Dairyland Cycle is awesome!

    I just got a top-of-the-line Full Coverage from Dairyland® Cycle for my brand new R1200RT ($500 deductible w/ Bodily injury $50k/person up to $100k total per accident... Plus 24/7 Road Assistance, "Extended Warranty" OEM part replacements, Trip Interruption plan that covers hotel/food/car rental, Diminishing deductible option that allows my deductible to go down $300 next year and then $0 for the year after) - on top of that I also got a Liability Insurance for my Triumph -- The total premium for both bikes: $311.00!!! The entire process was surprisingly flawless and simple! Here's the contact for Dairyland® Cycle: Mark Bonk, Direct Sales Supervisor at 715-346-7303. Thanks Bobzeliff (Bridport VT) for recommending Dairyland® Cycle!

  3. #18
    Quote Originally Posted by Moe13 View Post
    I just got a top-of-the-line Full Coverage from Dairyland® Cycle for my brand new R1200RT ($500 deductible w/ Bodily injury $50k/person up to $100k total per accident... Plus 24/7 Road Assistance, "Extended Warranty" OEM part replacements, Trip Interruption plan that covers hotel/food/car rental, Diminishing deductible option that allows my deductible to go down $300 next year and then $0 for the year after) - on top of that I also got a Liability Insurance for my Triumph -- The total premium for both bikes: $311.00!!! The entire process was surprisingly flawless and simple! Here's the contact for Dairyland® Cycle: Mark Bonk, Direct Sales Supervisor at 715-346-7303. Thanks Bobzeliff (Bridport VT) for recommending Dairyland® Cycle!
    Did you get Uninsured Underinsured coverage for when the car driver that hits you has $25,000 maximum liability coverage? That might fix your bike but not cover your surgeries.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  4. #19
    SURVIVOR akbeemer's Avatar
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    I know that here in Montana adding uninsured/underinsured coverage is quite expensive, but non-negotiable in my view. If the $311 insurance includes uninsured/underinsured coverage it is indeed a good deal; if not then it is much less so.
    Kevin Huddy
    Silver City, Montana
    MOA# 24,790 Ambassador

  5. #20

    Smile Dairyland Cycle Insurance

    FYI, I did ask so many questions before purchasing Dairyland policy. I have a FULL COVERAGE on my brand-new bike -- Regardless who's at fault in an accident due to whatever circumstances Dairyland Cycle will replace my bike with a brand new one, plus I also got "Uninsured Under-insured coverage for $50k/person $100k/accident" ..... So yeah, $311 is a very good deal!

  6. #21
    Quote Originally Posted by akbeemer View Post
    I know that here in Montana adding uninsured/underinsured coverage is quite expensive, but non-negotiable in my view. If the $311 insurance includes uninsured/underinsured coverage it is indeed a good deal; if not then it is much less so.
    It costs us 4 times what the liability costs but we still carry it on the bikes. About 25% of Texas drivers have no or just minimal insurance - and it is worth is some surrounding states.
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  7. #22
    Registered User
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    Apr 2015
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    Richmond Vermont
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    Progressive seems best

    Progressive insures both my bikes, 1978 R100s Motorsport, and 1968 R60US for a little over 200/year.....great deal.
    The kicker is the "agreed value" on the policy. In the event of a total loss, they pay the agreed value....not the "book"value, which is likely
    very small, if they could even find one for such old bikes.
    The agreed value is a number I gave them and they accepted, not outrageously high, just what I feel they are worth.
    And no, that value would not replace either bike.
    Bob...............in Vermont

  8. #23

    Geico vs. Progressive

    What are your most recent experiences with Geico or Progressive? I am a current Progressive customer. I can’t complain so far, but I am didn’t have have any need for a claim either.

    I also looked at other insurance companies here in Massachussets. All of the traditional insurance companies were just too expensive.

    Any feedback would be appreciated.

  9. #24
    SiR SiReese's Avatar
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    May 2007
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    Upper Peninsula of Michigan
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    Progressive vs Geico

    Quote Originally Posted by tobias View Post
    What are your most recent experiences with Geico or Progressive? I am a current Progressive customer. I can’t complain so far, but I am didn’t have have any need for a claim either.

    I also looked at other insurance companies here in Massachussets. All of the traditional insurance companies were just too expensive.

    Any feedback would be appreciated.
    Geico is not available in Michigan even though I keep getting email and TV adds for them. Called and they informed me Michigan is not available!
    Was a Progressive customer till 2010. I bought a BMW K1300S and they quoted me an increase of $1,000 just for basic level coverage! Went to DairyLand insurance. I insured all three of my BMWs for full coverage for less than the increase Progressive wanted. Have had very good service with DairyLand. Now if the stupid state of Michigan will get real with their MCCA fee on all vehicles when you buy insurance, it is more than the charge for insurance by the company!!!!!
    '15 R1200RTw, '10 K1300S, '74 R90S
    Amateur Radio - KE8KF
    BMWMOA #5245

  10. #25
    Geico here for all 4 bikes. It's about $1200 a year for basic liability on the 3 Harley's and comprehensive on the BMW with uninsured motorist on all bikes. In Mississippi like most other states now, many drivers are driving with no insurance/no license/suspended license and will flee if possible in the event of a collision. You better have uninsured motorist coverage. I might add i'm 68 and get the senior citizen discount. Apparently they don't know how fast some old folks can go.

  11. #26
    SURVIVOR akbeemer's Avatar
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    We have Progressive and just started our fourth year with them. Five motorcycles: 2017 R12GS/ 2017 R12GSA / 2013 F800GS / 2018 Ural / 2019 Ural. Liability / Comprehensive / Collision/ Uninsured Motorist. $892 annually.

    Insurance is mostly regulated by the states and the rules vary substantially from state to state. As a result an insurance company’s cost and performance can also vary substantially from state to state.
    Kevin Huddy
    Silver City, Montana
    MOA# 24,790 Ambassador

  12. #27
    '14 R1200 GS Adv bigjohnsd's Avatar
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    Black Hills, SD
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    I have all my insurance through American Family Insurance; Cars, Bike, Home, and Umbrella.

    My '14 GSA costs me about $140 per year with "Full Coverage" and increased limits.
    The only dumb question is the unasked question!

    Team Pterodactyl - When we ride, we ride!

  13. #28
    Quote Originally Posted by SiReese View Post
    Now if the stupid state of Michigan will get real with their MCCA fee on all vehicles when you buy insurance, it is more than the charge for insurance by the company!!!!!
    What is an MCCA fee???
    Paul Glaves - "Big Bend", Texas U.S.A
    "The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russell
    http://web.bigbend.net/~glaves/

  14. #29
    I went back and looked. I forgot there were 5 bikes on my Geico policy. $1120 yearly in Mississippi. I do believe insurance is higher in my state because of the lax enforcement of insurance requirements and the large number of uninsured/unlicensed motorists. Insurance is not required when buying plates or registering a vehicle.

  15. #30
    Registered User
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    Chattanooga
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    Good day,

    I have been with Markel for several years. I have been generally pleased.
    I have only filed one claim for vandalism when someone tried to steal my cycle, dumped and dragged it. Their service and support was good.
    Be well, ride safely.
    RK

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