who do u use for insurance?

[JARVIS518]

i know there are threads on here for how much u pay but i just want to know who your using i got quotes from

progressive
allstate
gieco
esurance

so far the cheapest is progressive
are there any companies im missing?

[tached1000rr]

I have Liberty Mutual

[JARVIS518]

ok thats one i didnt think of
i'll try them now

thanks

[G-Rex]

State Farm here. Very happy with them and I've had them for over 15 years.

[Trip]

state farm

[JARVIS518]

gunna have to call both of them tomorrow they dont do quotes online

[lauralynne]

be sure and check for exclusion stuff - many of them now say that you're not covered if you ride over 500 miles in one 24 hour period, riding over 16 hours in a 24 hour period and other such nonsense. lots of wording to exclude track accidents, racing (that one seems obvious to me but...), exclusions for using a radar detector, and other scenarios you wouldn't expect. Be sure to read the WHOLE policy.

[JARVIS518]

ya i'll look into that thanks
also with progressive there was a thing that i would get compinsation for my grear that i am wearing too if in an accident upto $1000

[lauralynne]

ya i'll look into that thanks
also with progressive there was a thing that i would get compinsation for my grear that i am wearing too if in an accident upto $1000

Only up to $1000?? Can you get a rider for more? (my last helmet was $700 - that leaves almost nothing for boots, gloves, jacket, pants)

[JARVIS518]

i thought 1k was pretty good
just went back and looked at the quote and its 3k for accesories so not sure if thats for the bike or my gear
once i get all my quotes i will start calling and asking questions

[lauralynne]

i thought 1k was pretty good
just went back and looked at the quote and its 3k for accesories so not sure if thats for the bike or my gear
once i get all my quotes i will start calling and asking questions

Good luck - be sure and report back what you find out :)

remember accesories are things like slip ons (or full systems), GPS, anything aftermarket that you have on your bike.

[G-Rex]

I shook State Farm down to cover whatever gear I was wearing at the time of an accident with no $$ limit. There is a letter in my file that specifically states that.

Hell, 1k wouldn't even replace my Aerostich. Let's not even talk about the helmet, gloves, or boots.

[Sixxxxer]

State Farm as Well...Had them Since I owned the 6R and Havent had a Problem at all

[zed]

I've had insurance with State Farm since about 92, they don't like it if you have 3 totaled bikes within 5 years. they want to drop you. my agent went to bat for me and they didn't drop me, I was within a couple months of the first one going past 5 years and dropping off so they didn't drop me.

[Particle Man]

Farmers.

I have medical and liability only (comprehensive is too damn expensive - I just put the money away so if anything happens to the bike I'll just buy another one). Costs me about $100 per year.

[Tsunami]

state farm, i'm paying $3 a month for my bike- but its for liability only

[Evadd]

i also have Farmer's. i'm happy with them. while i haven't had to file a claim, they had better rates than any other company (Geico, Progressive, etc - the big advertisers had crap rates for me) and i have a local agent who's very helpful. i have my car, bike, and renter's insurance with them.

[Lucky3623]

Dairyland for the bike

Just got my renewal and I pay around $750/year on full coverage in TX.

State Farm Mutual for the car and house

[101lifts2]

Pacific Specialty Insurance for bikes

Mercury for cars.

[Gas Man]

State Farm

FTW

[njchopper87]

I use Nationwide atm.

[RACER X]

Amica car/home
geico bike

[Ninjakel]

Geico for both bikes.

[wildchild]

had state farm on the cbr now I have progressive on the hd.

[KSGregman]

Our home and everything in it, along with both cars, are insured through American Family.

My bike is insured through State Farm.

[z06boy]

I have Nationwide and have for years. If I switched it would probably be to State Farm.

If I didn't own the bikes I may go to Amica or Erie Insurance....they gave me the lowest quotes on everything EXCEPT for the bikes.

We have our home plus a townhome that we own and we rent out...3 vehicles..two bikes and a boat plus some of my wife's jewelry insured so switching is a bit of a pain.

[SteveP]

Geico for the bikes, USAA for the rides.

[MissHell]

StateFarm :coffee:

[vickibocc]

Geico for the bikes, USAA for the rides.

USAA FTW! I don't have insurance through them yet. Jarv and I were considering doing it this time around but since the car is registered to him and we're not married, we can't sign up unless we transferred everything over to me (I have access b/c of my dad and grandfather. Jarv would have to marry into my family to get the benefits of USAA).

But anyways, I bank through them and they're always super friendly and helpful. Love it there.

[JARVIS518]

called everyone today waiting to hear from most of them to call back tomorrow but so far liberty mutual is the cheapest for everything car bike and renters insurance

[Gas Man]

Make sure they are comparing apples to apples.

[baby Ray]

Statefarm hear all my eggs in one basket,life,home, cars, truck, bike to me its service, not just cheapist, whos going to help you the best when you need it. my .02

[Cutty72]

Dairyland for both bikes. $500/year for both full coverage.

Progressive (for now) for the cages

[Frostz28]

I have dairy land for pretty much everything, house, cars, bikes etc. Im sure every situation is diffrent but I used to have progressive for my car and they were great.... until I called them to make a claim when my car was stolen, then they were HORRIBLE!!! long story short it took me 3 months to get my car back and they cut me a check for 3k which hardly put a dent in the damage that was done to my car. couldn't ever get a hold of my agent and constantly got the run around. Had to threaten to come up there with a baseball bat to get anywhere. Then they wanted me to pay for storage fees that had been racked up while it was at the tow yard! I thought they had it the whole time but apparently it was sitting in some shitty ass tow yard with a broken windshield getting rained on for 3 months.

[Gas Man]

progressive claims SUCK BIG TIME

[Frostz28]

progressive claims SUCK BIG TIME

AGREED ONE THOUSAND PERCENT!!!! That vein in my head still pops out when I think about it! bastards!

[Rider]

I've been really happy with Liberty Mutual.

[JARVIS518]

out of everyone i talked to im very happy with liberty's customer service the guy tried to frind any discout he could answered all my questions and just called me back to see if we were ready to buy yet, i thought that was nice

[t-homo]

I am jealous of all of you. I pay 400 a year for liability, which is still down 150 dollars from what I paid for it last year. Being a 20 year old on an R1 sucks. Even my Buell blast was 175 a year for liability. I go through Foremost insurance. Never had to file a claim, but a few of my friends say they have and its an easy process.

[lauralynne]

USAA FTW! I don't have insurance through them yet. Jarv and I were considering doing it this time around but since the car is registered to him and we're not married, we can't sign up unless we transferred everything over to me (I have access b/c of my dad and grandfather. Jarv would have to marry into my family to get the benefits of USAA).

But anyways, I bank through them and they're always super friendly and helpful. Love it there.

USAA does NOT insure motorcycles. They farm out to Progressive.

[Tsunami]

I am jealous of all of you. I pay 400 a year for liability, which is still down 150 dollars from what I paid for it last year. Being a 20 year old on an R1 sucks. Even my Buell blast was 175 a year for liability. I go through Foremost insurance. Never had to file a claim, but a few of my friends say they have and its an easy process.

Get a honda rebel 250, your rates will go down :)

[t-homo]

Even on a the blast, my insurance was higher than most of you over-25-ers pay for full coverage and I had liability.

[Rider]

Even on a the blast, my insurance was higher than most of you over-25-ers pay for full coverage and I had liability.

Full coverage on my GSXR750 was $459/year. Just wait 15 more years, your insurance rates will be real cheap.

[t-homo]

Yeah, but then I'll be getting old. lol

[skippy]

statefarm had them for years and no complaints

[racedoll]

State Farm.

[JARVIS518]

heard from state farm today and blew everyone else out of the water, great customer service, great rates and is going to work on lowing my interest rate of my bike loan only thing they will not cover any gear if i go down but she said something about i could make a claim through the renters insurance, but i dont know

[Quick281]

That is one thing I can't wait for and that is my 25th birthday. With my painful driving record it will be nice to save a shit ton.

I use Allstate and have been quite happy with them. Instead of calling the company up I called a local person in Savannah, GA and he had the best prices. His customer service was excellent when I was involved in my wreck despite the fact that my company wasn't at fault he was very helpful in telling me who to call, what to do, and what was next.

[Angee]

I just added the bike with State Farm and WOW!....I got the bike, renters insurance and extra health and accident coverage for only 40 more a month...My total for Car, bike, renters and health (which will pay my co-pay for ER, surgeries, ect..) is less than a bill a month, and Dutch got a discount on HIS auto for being on the renters policy...he has full-coverage, so it helps. My car alone was 60 by itself, and the bike is only $350 a year and I'm a new rider. The MSF will drop it when I get it done, so I'm a happy camper.