I'm trying to find Insurance for my 2007 S4R T. I can't afford to replace or repair so it has to be full coverage. I had Progressive, but they re-evaluated Texas and upped the fees from 79 to 120 a month. That's too much for me.
Who do you guys use? What do you pay?
Thanks.
try Dairyland...they seem to be the carrier of choice for lots of people on here. i used them for a little while and had no problems with you. and if you have really good credit, they have a "gold" package you can qualify for, that i believe just gives you even lower rates. i ended up switching over to esurance, because they gave me a much lower rate than dairyland...but i haven't had to test out their claims process yet (everyone seems to rave about their experience with dairyland claims).
progressive, on the other hand has been shit in my experience. i had to use them when a drunk driver hit my car (and totaled it), and they were horrible. then again used them when i totaled my monster, and they were once again horrible to deal with, that is if i could even get my claims agent/adjuster on the phone, which often proved to be impossible.
I went with Progressive based upon positive comments from friends and fellow workers. I pay $240 a year full coverage. I know, I was amazed by the price myself. Haven't had to claim anything yet, so I unable to give a first hand account of their customer service. Just thought I'd put this information out there for other people shopping around.
I hope this is not too much of a thread jack since the question, I assume, applies to <1000cc Monsters.
What types of rates are people getting on the bikes > 1000cc. I'm looking at some options, and they are pretty high. :o
As I said to CJ recently, it's kinda nice being old and listening to the youngsters b#tch about ins. rates. There is no way I could afford insurance on all my bikes if I was 25 with a couple of tickets! Nothing like qualifying for AARP and a clean driving record. ;D They do abuse 20-30 year olds with 1000cc bikes on the rates.
Good luck on the insurance hunt. Half of mine are with Geico the others are with Progressive... and no, I have no claim experience. Sorry, not much help.
Quote from: fastwin on February 09, 2009, 08:28:23 AM
As I said to CJ recently, it's kinda nice being old and listening to the youngsters b#tch about ins. rates. There is no way I could afford insurance on all my bikes if I was 25 with a couple of tickets! Nothing like qualifying for AARP and a clean driving record. ;D They do abuse 20-30 year olds with 1000cc bikes on the rates.
Good luck on the insurance hunt. Half of mine are with Geico the others are with Progressive... and no, I have no claim experience. Sorry, not much help.
what about the busa + turkey incident? you didn't file a claim for that?
I'm with Farmers Insurance now, which seems to be reasonable rates & really good coverage, although I haven't had any claims. Yet. ;D
Quote from: ♣ McKraut ♣ on February 09, 2009, 08:44:53 AM
what about the busa + turkey incident? you didn't file a claim for that?
No. I didn't have comprehensive at the time, I do now. So it cost me a bionic neck and Busa bodywork and mirrors. >:(
Quote from: alexisonfire on February 09, 2009, 07:03:45 AM
I went with Progressive based upon positive comments from friends and fellow workers. I pay $240 a year full coverage. I know, I was amazed by the price myself. Haven't had to claim anything yet, so I unable to give a first hand account of their customer service. Just thought I'd put this information out there for other people shopping around.
Buy a sportbike and see what they quote you...... :P
Quote from: Tommy on February 09, 2009, 05:50:37 PM
Buy a sportbike and see what they quote you...... :P
Progressive's quote wasn't awful for my 2 bikes, but then I don't fit into the 20-30 year age group and both bikes are under 1000cc (plus the chick factor). But everyone was telling me that my insurance should go down after a year of riding (barring speeding tickets or other incidents). Their quote had actually gone up, they seem to have a habit of doing that. Next go around I will be shopping...
Try "Foremost Insurance Group" i got a really good quote from them a few months ago i just havent switched over from Progressive yet. I think they give a discount to Duc riders.
Quote from: DesmonsterS4RS on February 09, 2009, 09:24:04 PM
Try "Foremost Insurance Group" i got a really good quote from them a few months ago
Just for clarity, Foremost is the motorcycle part of Farmers.
When you have comprehensive, it automatically adds 3k worth of insurance for add-ons/mods, plus gear, plus roadside assistance [thumbsup]
I'll put up another vote for Dairyland. I've never had a 'claim' with them but I did deal with them a little. They include $5000 coverage for aftermarket add ons.
Steve
I give a second recommendation on Foremost.
I was on Geico before, Foremost was fully half the cost. I don't have my numbers in front of me right now, but it is pretty darn low for a full coverage 1000cc Sport Classic.
They classify Monsters (and now the Sport Classics) as "cruiser" bikes since they don't have fairings. It was the reason I switched because the SC was soooo much lower than anywhere else.
My only gripe (in this world of interwebs) is that you have to actually call and speak to a human (ewwww!) to get a quote. But, if you primary communication method is still verbal instead of keyboard & mouse, you should have no problem dealing with them. ;)
http://www.ducatiforemost.com/ (http://www.ducatiforemost.com/)
interesting, I'm calling them today to see what they quote.
about $100 more expensive than my Geico policy. FYI, they do cover gear and after-market accessories though.
I've used state farm for my sportbike insurance. They were way cheaper than others I checked.
Quote from: Ronr on February 16, 2009, 08:22:43 AM
I've used state farm for my sportbike insurance. They were way cheaper than others I checked.
interesting because they tried to take a lung when I asked.