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bike insurance
- Thread starter krafael5
- Start date
I'm happy with Allstate, but I'm in southern Ohio. It may well be a whole different ballgame in Florida. Rates can vary greatly from one area to the next even in the same state. There are so many different factors involved it is darn near impossible to make an insurance recommendation other than to say I am happy with my choice. Pick up the phone and start shopping.
I suggest you shop around
I agree rates vary by state. I recently moved from California to Missouri, called Foremost to update the insurance. Was told I would have to cancel my California policy, and start a new policy in Missouri. When I asked how much the new policy was it went up over $400.00, and was told that each state is rated differently. I told them that is nuts that I'm moving from a state where I can ride almost year round, with much more traffic compared to where I'm at now where I can not ride as much, and way less traffic. Needless to say I went with GEICO, and as to how good they are; I hope to never have to find out.
I agree rates vary by state. I recently moved from California to Missouri, called Foremost to update the insurance. Was told I would have to cancel my California policy, and start a new policy in Missouri. When I asked how much the new policy was it went up over $400.00, and was told that each state is rated differently. I told them that is nuts that I'm moving from a state where I can ride almost year round, with much more traffic compared to where I'm at now where I can not ride as much, and way less traffic. Needless to say I went with GEICO, and as to how good they are; I hope to never have to find out.
IdahoMtnSpyder
Active member
I hate to say it but there are so many variables involved that the answer is just as definitive as asking what dog food provides the best value your dog! :banghead: You really have no choice but to search all the options in your area and determine for yourself. Agents and claim reps may be great in one area and in another make you look forward to a root canal. Same for companies and premiums. I use Geico. They've been good to deal with.
BLUEKNIGHT911
Sadly Passed Oct 2024 - RIP
INSURANCE
:agree: .... try Dairyland , I pay $200.00 for a complete policy for 12mos. of coverage. ..........Mike :thumbup:
Eviltwin
New member
I have USAA on the cars, but they don't do motorhomes or bikes, so they point you at Progressive which is a subsidiary of USAA. I cross shopped Geico and Progressive and Progressive was cheaper each time. But that is in VA and you may be different. I also keep collision on the RT since its worth a bit, but only have basic coverage on my other bike.
PMK
Active member
Just renewed with Dairyland.
Previously was under $400 with $100 deductable.
The renewal was same coverage but increased to just under $600.
Increased deductable to $250 and new cost is $420.
No claims, accidents or tickets.
Wife did not have time to shop for a better rate away from Dairyland, but will next renewal.
Previously was under $400 with $100 deductable.
The renewal was same coverage but increased to just under $600.
Increased deductable to $250 and new cost is $420.
No claims, accidents or tickets.
Wife did not have time to shop for a better rate away from Dairyland, but will next renewal.
Bob Denman
New member
Every State has their own regulations, and it is absolutely impossible to make comparisons between them.
Find yourself a Broker who also rides, and he'll be most-qualified to point you in the right direction. :thumbup:
(Forty years of selling this crap!)
Find yourself a Broker who also rides, and he'll be most-qualified to point you in the right direction. :thumbup:
(Forty years of selling this crap!)
PMK
Active member
Agree.
Rafael, the original poster is local to me. Maybe my posted info helps. Possibly other Florida riders will comment.
hschuchman
New member
FOREMOST
Docster
New member
Absolutely correct. Doesn't matter what anyone else has unless ones' circumstances, location and history are identical.....
Sometimes one just has to do their own research
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Shadowkast
New member
Dairyland is very affordable. My rep just found me a cheaper payment with another company for my next 12 months though. Modern something, American something ... I'd have to look
Bob Denman
New member
The American Modern Group? :dontknow:
ARtraveler
R.I.P. Dwayne
The answer is going to require some searching for quotes. As mentioned above--many, many variables being considered.
I have been using State Farm for everything since my first car in 1965. They now insure three motorcycles, one car, and my home.
The vehicles vary from $523 a year for my 2017 car to mid to high $400's for the motorcycles.
Every time I have had a claim--they have come through quickly and without issues. I can call my local representative, who knows me, and go from there.
Have lived in and moved to over 6 states. Always kept my State Farm policies. I am happy with them. Plan on continuing the pattern when I make my next move also.
I have been using State Farm for everything since my first car in 1965. They now insure three motorcycles, one car, and my home.
The vehicles vary from $523 a year for my 2017 car to mid to high $400's for the motorcycles.
Every time I have had a claim--they have come through quickly and without issues. I can call my local representative, who knows me, and go from there.
Have lived in and moved to over 6 states. Always kept my State Farm policies. I am happy with them. Plan on continuing the pattern when I make my next move also.
Tango
Well-known member
I just received a quote from an agent in FL.. It is double what I pay here in PA.. I would not deal with any co. other than an independent agent! They shop many co.'s for you. And run away from AARP as their rates, with Foremost, are higher than dealing with Foremost W/O saying AARP!!!! :thumbup: Tom :spyder:
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