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Looking for insurance, or lower cost insurance?

Started by Monsterlover, December 30, 2011, 10:01:36 AM

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Monsterlover

December 30, 2011, 10:01:36 AM Last Edit: December 30, 2011, 10:03:43 AM by Monsterlover
I'm really liking www.rider.com.

I've been with them for 3 years now and just did my 4th renewal for my 950SM-R.  The price drops every year (no claims and I'm 35 with a good driving record)

1st year was like $440 for full coverage (100/300/50 and 100/300 w/ $500 deductible)
2nd was $400
3rd was $240
and the latest was a blistering $142.00

If it goes down any more they'll have to start paying me to ride.

This caught my eye on the testimonial page :) -

"I just switched to your company and saved over $1,200 a year over Progressive on both of my bikes!! I’m telling all of my friends who own motorcycles to check your company out."

JOE W. â€" West Chester, PA
2007 HARLEY-DAVIDSON SPORTSTER 883, 2001 DUCATI 996


Anyhow, if you're looking, check em out.
"The Vincent was like a bullet that went straight; the Ducati is like the magic bullet in Dallas that went sideways and hit JFK and the Governor of Texas at the same time."--HST    **"A man who works with his hands is a laborer.  A man who works with his hands and his brain is a craftsman.  A man who works with his hands, brains, and heart is an artist."  -Louis Nizer**

justinrhenry

#1
December 30, 2011, 06:10:31 PM
they're not licensed in my state apparently. 

i pay $121/month for motorcycle insurance on my streetfighter, which is more than my mercedes. 
_____
2013 Honda CB1100D
2006 Honda ST1300
2003 Ducati Monster 620ie

Monsterlover

#2
December 30, 2011, 06:22:03 PM
Damn :o
"The Vincent was like a bullet that went straight; the Ducati is like the magic bullet in Dallas that went sideways and hit JFK and the Governor of Texas at the same time."--HST    **"A man who works with his hands is a laborer.  A man who works with his hands and his brain is a craftsman.  A man who works with his hands, brains, and heart is an artist."  -Louis Nizer**

muskrat

#3
December 31, 2011, 08:12:49 AM
or mine.   Something to consider is if you already have health insurance through your work you don't need medical insurance through the insurer.  You'd be surprised how expensive medical on a bike policy can be.  Caveat being to always wear proper gear or they may deny your claim if something happens....check your declarations page.  I pay $421 for three bikes through Progressive.
Can we thin the gene pool? 

2015 MTS 1200
09 Electra Glide

Zulu

#4
January 01, 2012, 08:46:27 AM
I pay $55 with geico for my 696 , I have few speeding tickets. I had them give me a quote on 796 and it went upto $180 ???
10' M696

Monsterlover

#5
January 01, 2012, 09:11:58 AM
Quote from: 99Zulu on January 01, 2012, 08:46:27 AM
I pay $55 with geico for my 696 , I have few speeding tickets. I had them give me a quote on 796 and it went upto $180 ???

Is that per month or year?
"The Vincent was like a bullet that went straight; the Ducati is like the magic bullet in Dallas that went sideways and hit JFK and the Governor of Texas at the same time."--HST    **"A man who works with his hands is a laborer.  A man who works with his hands and his brain is a craftsman.  A man who works with his hands, brains, and heart is an artist."  -Louis Nizer**

Zulu

#6
January 01, 2012, 09:12:46 AM
Per month.. yeah them tickets got me .. and its about to go up after someone try to jack my ignition .
10' M696

rockaduc

#7
January 01, 2012, 01:53:25 PM
I used to have Rider.  i left them after they told me i would have to pay close to $700 per yr for my s2r 800 and ktm 450 exc (full coverage, no tix, no claims).  I switched to progressive and pay only $350 per yr (full coverage) for both.  [thumbsup]

I live in North Jersey, so YMMV.
If you can see Chuck Norris, he can see you.  If you can't see Chuck Norris, you may be only seconds away from death.

Monsterlover

#8
January 01, 2012, 02:49:37 PM
Really odd. Seems nobody pays a similar price at the same insurer even if their situations are quite similar. :P
"The Vincent was like a bullet that went straight; the Ducati is like the magic bullet in Dallas that went sideways and hit JFK and the Governor of Texas at the same time."--HST    **"A man who works with his hands is a laborer.  A man who works with his hands and his brain is a craftsman.  A man who works with his hands, brains, and heart is an artist."  -Louis Nizer**

live2ride

#9
January 02, 2012, 11:07:01 AM
that is odd.  its costs me $120 per year for full coverage with a $500 deductible or $180 with a $100 deductible.   i chose the latter since it's still cheap. 

this is coverage on a 750, 30 yr old, no tickets, 1 claim, also in north jersey.  but from what i hear, the county you live in matters.  i lived in essex, morris, hudson, and bergen counties.  it went down when I moved from essex to morris, went back up when i moved to jersey city, and went down significantly when i moved to bergen county.  the city i lived in essex was significantly nicer (less crime) than the one in morris but due to newark being located in essex county, the premiums were higher.  that was the reasoning i was given by the insurance rep.

Preisker

#10
January 02, 2012, 05:27:49 PM
Damn, guys.   My S4 has been about $250/year for full coverage since I bought it about 3 years ago, with a ticket about every year and a half (I'm pretty consistent that way).   

But check this out, I just traded an old XR650 Supermoto that I had, for a Sportster for my wife (hey, it's what she wanted), and since it's not financed or anything, and will probably only get ridden about 50 miles a year, I'm liability only on that sucker, and it's in my name since I've had a motorcycle license for about 34 years.    It added $10 per year to my Ducati coverage.   Now check this out.   I just bought a 1970 Honda CT-70, that is street legal, and to put it on the same policy as the Ducati and Harley, adds $11 per year to my bill.   I guess the 70's 4 horsepower is higher than the 1100 Sportsters. 

muskrat

#11
January 02, 2012, 05:56:17 PM
you mean lack of parts for the 70's is what increases your premium ;)
Can we thin the gene pool? 

2015 MTS 1200
09 Electra Glide

d3vi@nt

#12
January 02, 2012, 07:27:19 PM
1 pay $10/month for everything but collision. This is with State Farm in Colorado on a M695.  I have home and car bundled with them, though.... FWIW.
'13 MTS GT
'99 ST2
'07 M695 - Sold

Preisker

#13
January 02, 2012, 09:02:15 PM
Quote from: muskrat on January 02, 2012, 05:56:17 PM
you mean lack of parts for the 70's is what increases your premium ;)

No way, those CT-70s are cult bikes, everything has been repro'd or is still available. 

Dirty Duc

#14
January 03, 2012, 07:40:31 AM
Living in the sticks is good for insurance apparently:

$121 a year for two bikes and two riders... with full coverage on the Duc, from Progressive.
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