Insurance options what do you have and why

BWG56 · Sep 10, 2016

Th3InfamousI said:
Check out Dairyland they specialize in MC insurance that's who I have nobody has been able to touch their rates. I just got new home and truck insurance my broker asked If I had anything else I said I got two bikes but I know you can't compete. He asked to let him try I said fine but I'm telling you your not gonna be close. After about 10 minutes he said yea I'm not close even with the multi policy discount. I pay $912 a year full coverage on both bikes about $15K each

HOG members get a 20% discount too.

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Holy Moly, Mine is $134/yr full coverage $250ded for the Mastiff

Th3InfamousI · Sep 10, 2016

BWG56 said:
Holy Moly, Mine is $134/yr full coverage $250ded for the Mastiff

That's cause you trailer it everywhere and I got 10 months of riding weather verse your 4.

I'm also not married no kids....yea insurance just sees danger. Called the bad ass premium

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BadDawg Bill · Sep 10, 2016

bdm7250 said:
I am with Allstate, full coverage on agreed upon replacement value of $26,000.

Good luck. Allstate screwed everyone in Fl after hurricane Charlie. I dropped them as a client losing $12k a year but it's the right thing to do. I told them they were dishonest and crooks and I wouldn't deal with them.

I have Geico for both my car and bike. The FIRST time I've covered a bike but full coverage for a 2008 softail was $195 a year so why not... Of course my BD chopper and RoadStar have no coverage but I'm not rich either...

BWG56 · Sep 10, 2016

jska2636 said:
Thats cheep..what are they going to pay you if the bike is a total loss or stolen? Thats the question?

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Whatever its book value would be +$3000 in accessories.

Th3InfamousI said:
That's cause you trailer it everywhere and I got 10 months of riding weather verse your 4.

I'm also not married no kids....yea insurance just sees danger.
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Nah, its more like 8 months :whoop:

bigkelk9 · Sep 10, 2016

jska2636 said:
Ya with $18,000 in coverage then i agree full coverage all the way..there just trying to screw me 1,800 per year with $7500 pay out if total loss..that not worth it...

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Who?? I looked all over when I first got motorcycles and had alstate for a while but then just bundled it with my auto and house.. I lied.. it just went down for this next 6 months billing cycle..

BWG56 · Sep 10, 2016

BadDawg Bill said:
Good luck. Allstate screwed everyone in Fl after hurricane Charlie. I dropped them as a client losing $12k a year but it's the right thing to do. I told them they were dishonest and crooks and I wouldn't deal with them.

I have Geico for both my car and bike. The FIRST time I've covered a bike but full coverage for a 2008 softail was $195 a year so why not... Of course my BD chopper and RoadStar have no coverage but I'm not rich either...

I'm a firm believer in getting quotes every 4-5 years to keep them honest if ya wanna call it that. With my vehicles I started with Nationwide then 1/2 as much when I switched to State Farm, years later I switched back to Nationwide for 1/2 what State Farm was charging me, years later I switched to AARP at 1/2 as much, after I watched that go up again, I just switched to Geico for my home and cars and once again 1/2 as much. That's a span over 30 years how many times I have switched, Oh and thats with no accidents, It just don't make sense. :oldconfused:

I'm currently at $1100/yr for my 4 cars, 12' Chrysler, 10' Ram, 09' Challenger and the 99' Viper. full coverage $500 ded, $0 on Comprehensive.

bigkelk9 · Sep 10, 2016

BWG56 said:
Whatever its book value would be +$3000 in accessories.

Nah, its more like 8 months

What!!! Who trailers their bike everywhere.. it's a joke right.. ???

bigkelk9 · Sep 10, 2016

BWG56 said:
I'm a firm believer in getting quotes every 4-5 years to keep them honest if ya wanna call it that. With my vehicles I started with Nationwide then 1/2 as much when I switched to State Farm, years later I switched back to Nationwide for 1/2 what State Farm was charging me, years later I switched to AARP at 1/2 as much, after I watched that go up again, I just switched to Geico for my home and cars and once again 1/2 as much. That's a span over 30 years how many times I have switched, Oh and thats with no accidents, It just don't make sense. I'm currently at $1100/yr for my 4 cars, 12' Chrysler, 10' Ram, 09' Challenger and the 99' Viper. full coverage $500 ded, $0 on Comprehensive.

Yeah, I'm currently at about 1400 a year on auto, 13' Durango rt, 96 ram, 10 ram, and 08 Infiniti g37.. I'm 31.. just gotta keep em honest and let Wm know ur shopping around.. bikes are cheap though.. my fury is 22 a month full coverage.. lol

BWG56 · Sep 10, 2016

bigkelk9 said:
What!!! Who trailers their bike everywhere.. it's a joke right.. ???

I do I do, its an ongoing joke, however I'm booked for Daytona again next month and there's no way I would ride the 950 miles one way. If I did, I sure as hell wouldn't ride after I got there :oldlaugh:

bigkelk9 · Sep 10, 2016

jska2636 said:
Progressive...i should also mention i have a sr22 insurance..but that being said my main concern was how much $$ people are going to get for there bike if it were a total loss..progressive said between 5000-7500max and that just seems low thats not worth it..

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What is ur bike? They just re-write my policy and I didn't even notice it until this came up cuz it just comes out of my account, but the rates dropped tremendously and it is still covered for 18k.. the asked me what I wanted it covered for when I bought it and insured it.. I told em what I paid for it and that was what they covered it for.. state Farm is definitely the way to go in my opinion.. but yeah that sr22 just be prepared to pay DOUBLE regular rate on toys.. good luck bro

bdm7250 · Sep 10, 2016

BWG56 said:
Holy Moly, Mine is $134/yr full coverage $250ded for the Mastiff

Would that be with the old coot discount? :oldhardlaugh:

bigkelk9 · Sep 10, 2016

BWG56 said:
I do I do, its an ongoing joke, however I'm booked for Daytona again next month and there's no way I would ride the 950 miles one way. If I did, I sure as hell wouldn't ride after I got there

Lmao.. yeah I get that.. the longest trips I have taken have been about 500 miles or so on the dog.. I thought it would be a good idea to take the 15 wide glide on a trip to the Grand Canyon from Houston and an hour in I wanted the dog.. she is just my girl and very confortable... the wide glide was gone shortly after..

bigkelk9 · Sep 10, 2016

jska2636 said:
I know the sr22 is ganna raise my rates thats a given..what concerns me is the pay out if its a total loss..5-$7500 seems like they are fucking me!

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What's ur bike and is that pretty much from everyone because I know for custom bikes alstate and state Farm are the best way to go

bigkelk9 · Sep 10, 2016

jska2636 said:
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Okay, the 05 chopper.. idk where u r but I know here in Texas there is some law on giving u what Nada fair value is..

Insurance options what do you have and why

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