[Glenn]

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Insurance Suggestion:

I just got my Burgman this past Saturday..............

Any suggestions, cautions and or opinions on insurance?

What is a fare price to pay ect.

Thanks, Glennnnnnnnnnnn

 

[pauljo]

Glenn,

Insurance costs vary wildly from one state to the next. Of course age and driving record also come into play. Where I live, Progressive Insurance has the best rates right now - but in some other states they are not the best deal.

You have to shop around - there is no other way. (If someone in the forum lives right in your neck of the woods, perhaps they can help.)

You can get quotes from Progressive Insurance online at http://www.progressive.com

 

[DonRich90]

I'd recommend Progressive also. Full coverage with road service is $118/year for a "senior" in south-central PA. I've had nothing but positive reports on their service.
Don

 

[wasions]

I've got Progressive at 75 bucks/year, full coverage. I can't imagine why it's so cheap (price/coverage are exactly the same on my DR350), but I'm not going to agrue with them about it.

Gieco would have been $685 for same.

Steve

 

[Glenn]

Insurance

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Thanks Guys,

My companie (Erie) wanted $618 for $1,ooo deductable. I immediatly said to the girl that this is too much for a 6K$ vehicle that weighs less than 7oo lbs for a good driver of 55. She actually agreed........

So, in the morning I will take your suggestion n try Progressive, perhaps Erie will loose all my car biz to Progressive too??

Any one know how progressive's clame service is ?

Thanks Again, Glennnnnnnnnn

 

[Pinwheel]

I was wondering if y'all are getting quotes that include Comp/Collision.
Just for grins, I got a quote and at bike-line.com and progressive, it was well over $600/year for me. Dairyland, my current company wanted $748/year.

I only pay 200 a year for my volusia insurance. What is making the burgman quote so much higher?
I got a quote for the 650, if that matters.

 

[Jim]

Progressive, $115 per year Maxed out coverage.

 

[pauljo]

I had Dairyland last year, with Comp/Collision for $158 on my 650. Did a little better with Progressive this year - and local Dairyland service was awful. Dealing with Progressive online (and on the phone) has been pleasant.

Progressive is also sometimes sold by local independent insurance agencies, but they can add "agency fees" and sometimes their own rules. One local agent gruffly told me that he wouldn't insure my bikes unless I gave him my car insurance too. I avoided all that BS by dealing with the company directly.

 

[Wally]

I pay $150 a year full coverage with $100 deductible for collision and comprehensive with roadside assistance (Southern California)

AN400
Wally

 

[Wally]

Oh yeah, That's with Progressive.

 

[DonRich90]

Re: Insurance

. Any one know how progressive's clame service is ?

I have a good friend in MD whose very expensive motorhome (less than 1 year old) burned to the chassis. He had a "replace-in-kind" clause in his Progressive policy and they ended up giving him a 1 year newer model with more extras then he had on his old one. They even paid to fly him to FL to take delivery from his original dealer. He said they were great to deal with and changed his bike and cars to Progressive.
I haven't had any personal experience with Progressive (hope I never do) but from my friend's experience and from other comments on prior posts, I feel comfortable with them.
Don

 

[Helix]

Progressive is great

I had Dairyland last year, with Comp/Collision for $158 on my 650. Did a little better with Progressive this year - and local Dairyland service was awful. Dealing with Progressive online (and on the phone) has been pleasant.

Progressive is also sometimes sold by local independent insurance agencies, but they can add "agency fees" and sometimes their own rules. One local agent gruffly told me that he wouldn't insure my bikes unless I gave him my car insurance too. I avoided all that BS by dealing with the company directly.

Pauljo,
This is one independent agent that has represented Progressive since the early 60's and would love to write just your Burgman and does need your auto's. I make a 10% commission and yes you can save that if you go direct, but I am hear to answer your questions, walk you through a claim or call it in for you, make any changes you might have with your policy or just have a cup of coffee. Unfortunately I only am licensed in Iowa and not Nebraska. By the way Progressive has excellent claims service.

Helix

 

[Butch]

I also have Progressive, cost $225.00 per year. When taking advanced riders course, MSF instructor said that he had Progressive in the past, but found out that Foremost was even cheaper, & highly recommended them.

When it comes time to renew my policy again I'm going to get a quote from them as well.

Butch

 

[pauljo]

Re: Progressive is great

Pauljo,
This is one independent agent that has represented Progressive since the early 60's and would love to write just your Burgman and does need your auto's. I make a 10% commission and yes you can save that if you go direct, but I am hear to answer your questions, walk you through a claim or call it in for you, make any changes you might have with your policy or just have a cup of coffee. Unfortunately I only am licensed in Iowa and not Nebraska. By the way Progressive has excellent claims service.

Helix,

The "auto's" issue is a show stopper for me. I have my auto insurance through AARP (The Hartford) and the rates are very good. State Farm also discounts their motorcycle insurance steeply IF they get the autos - but on the combined premium (autos plus bikes) I lose badly. There is no reason why Progressive Direct should be able to write bikes separately, but an Independent agent has to get autos too. It is an anti-competitive business practice, and it needs to be changed. I should be able to buy homeowners insurance where I can get the best deal, car insurance where I get the best deal, and motorcycle/cycle insurance where I get the best deal. It's like a grocery store saying "we won't sell you milk unless you buy your eggs here too".

Nothing personal, I do hope to meet you folks sometime and perhaps do a ride. But I am opposed to that business practice and will not give in to it as long as other options exist.

 

[ted clement]

Paul, I have a similar situation here in N.C. Also, on a related issue, my wife had a minor fender bender with another car. Her fault. Allstate jumped all three vehicles over a $100 per vehicle, for a total of $333! And this is every 6 months, for three years.

I'm gonna call the N.C. insurance commision to see if this is legal, and even if I pay more somewhere else, Allstate is gonna lose 3 vehicles and a home owners policy.

 

[pauljo]

I'll tell you this... If it wasn't for property taxes and insurance premiums, I could do fine living on my retirement income. It's aggravating, because those are intangible expenses - can't eat, wear, ride or in any other way detect any direct return from those expenditures. Sure, a small percentage of what I pay in taxes might result in services that actually benefit me - and there is always the possibility of an accident or other calamity where insurance helps out. When you are earning a good wage, you tend to just shrug it off. But on a limited income, it accounts for a much bigger slice of the pie. Not much I can do about the taxes, but I can shop for the best deal on insurance. It has become a necessity to do that. Hopefully this doesn't sound like a rant. I think it is really a big issue for retired folks.

 

[Jim]

I agree pauljo,

I'm even thinking of moving out of state upon retirement, property taxes are just too high here. Some areas have a mill rate of $28 per thou., then they bring in assessors to over value property so they can collect more.
I too needed to vent.

 

[ted clement]

Jim & Paul: dispite the fact that the insurance industry has N.C. locked up, we do still have cheap property rates. And a plus for me, being a retired Govt worker, is that i don't pay any state income taxes.

So you guys come on down/over to N.C. and join my scooter riding group.
We got in a nice easy 200 miler yesterday. Ate leisurely breakfast, rode up to Blue Ridge Parkway to Fancy Gap, ate lunch, and meandered home.

And my wife sells real estate. :lol:

 

[Habu55]

pauljo,

I understand what you are saying and I feel the same way. However I add medical insurance coverage (at $680/mo for 2) to your list of expenses I would rather do without at age 58 and retired. However after several years of moaning over rate increases without any claims I realized my premiums and taxes do not cover my costs or benefits received, they are paying for the entire pool of insureds. You might think your property taxes support schools to which you do not send any children, but without everybody paying thoses taxes (parents and no-parents) the schools would offer even less than they do today. Whenever I look at a new insrance rate I have to look at the other option and think about going without the insurance. The premium usually looks somewhat more palatable. I did go the eliminate route with Prgressive on my Burg insurance. It is insured for collision and comp with $1000 deductible only. In WA state we are not required to carry liability on scooters or cycles. Unless I get real stupid I'm betting I won't hit someone without a car protecting them. Still have some risk but worth taking I think. However, medical ins is not worth eliminating.

 

[pauljo]

I've got medical for two at $125/mo. That includes a very limited dental plan too. Part of my retirement package. Of course, it goes up a bit each year. But thankfully, it is a lot less expensive than a private plan would be. If I drop it, I can't get it back though. So even if I go back to work, I'll keep it. Jobs aren't all that permanent these days.