jska2636
Member
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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Insurance options what do you have and why
- Thread starter jska2636
- Start date
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BWG56
Guru
Holy Moly, Mine is $134/yr full coverage $250ded for the Mastiff
jska2636
Member
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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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
Well-Known Member
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
Guru
Whatever its book value would be +$3000 in accessories.
Nah, its more like 8 months
bigkelk9
Well-Known Member
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
Guru
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.
bigkelk9
Well-Known Member
What!!! Who trailers their bike everywhere.. it's a joke right.. ???Whatever its book value would be +$3000 in accessories.
Nah, its more like 8 months
bigkelk9
Well-Known Member
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.. lolI'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.
BWG56
Guru
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 
jska2636
Member
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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bigkelk9
Well-Known Member
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
bigkelk9
Well-Known Member
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..
jska2636
Member
2004 big dog chopper, s&s117ci, baker 6 speed..updated wire harness and computer, new gauges, bike was a garage queen so it still looks and performs like brand new, condition i would say is a 9.5 out of 10. Near perfect condition..
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jska2636
Member
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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bigkelk9
Well-Known Member
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
Well-Known Member
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..
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