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[oe542bob]

Hey all, just gotta rant a little. What's up with insurance on our bikes? I just traded my '14 CVO Ultra for a '17 CVO Streetglide. My insurance went from $570 to $811. Biggest jump I've ever had. I'm in PA and been riding since the early 70's. I now have Dairyland. A little over a week ago, before I found this new Streetglide, I was gonna change over to Safeco. In the case with my '14, I was gonna save a little over $100 for the same coverage.
When I first contacted Dairyland, I was told my insurance would be $692/ year for the FLHXSE. A couple of days later it was $811.15! SafeCo had stated $660/ year. So I figured I'd just stay with Dairyland as it wasn't much of a difference. But man, it just grinds me that now it costs over $811.
And in PA, we have no medical in the event of an accident. Yes, for the passenger or if I hit and cause bodily injury to some one, it's covered.

[skratch]

went through the same thing here in la last year.  my insurance jumped a significant amount upon renewal so I started shopping around.  bad part was my new quote was still the cheapest around, comparing coverage to coverage.  what I ended up doing to offset the jump was to increase my deductible.  I have disappearing deductible so even though I upped it, it is still dropping.  this year, i'm at $275, but my rate is based on $1000.  course, if anything should happen, then next renewal it'll be back up to the full $1000.

I know you can't really compare what I pay to what you pay cause of the myriad of variables, but by doing so, I was able to drop the rate to $788 for the year for my 2013 roadglide cvo and 2012 roadglide custom.  the new quote was over $1100.

[Twolanerider]

Yet another reason (apparently) I'm glad my bikes are old.  Two bikes, good coverage, $530 a year total to cover both.  Also Dairyland.

[ultrafxr]

Check with Foremost.  I've had them since 2005 and shopped them several times but could not beat their rates.  Previously I had Dairyland and Safeco.  But your experience may be different depending on your location and other factors. 

[Toofast_28]

I have state farm, not the greatest driving record (I like to go fast sometimes) and a 16 FLHXSE with $500 deductible and max coverages is just under $300/yr.  Being in the Iowa must help some?

[RGlideKid]

I'm probably not going to help you with this post unless you're a veteran. 

I'm with Progressive with USAA and I pay just over $600 a year if I pay it all up front, and that's for full coverage.

It pays to shop around, but in the end you need to go with a reputable company.  In 2010, Progressive paid me well over $20k for my 2007 Electra Glide + accessories when I totalled it hitting a deer.  Other companies might have expected me to fix it, but they didn't bat an eye.  Maybe that's because I've been with USAA for 36 years, but who can say.  Just remember that cheaper insurance isn't always better insurance.

[mjb765]

Full coverage, on Long Island..2009 Softail Deluxe and a 2015 CVO Street Glide with Allstate for just over $700/yr if I pay in full

[muddypaws]

I had a big jump for VA to GA with the new 2017 CVO limited. I'm paying $800

[CVODON]

There is no such thing as a policy called "full coverage", this is not a thing, when you call or sit with a rep and tell him you want full coverage he just sells you the parts of the policy that a bank will require due to bike having a loan. This is not a good way to buy insurance, mostly low coverage maximums, satisfies the bank and gets you a low rate.
You can not compare rates between cities, much less states. States have different insurance regulations, loss ratio's with computers are very carefully monitored by location, your personal record comes into play and whether this is the only vehicle or is it a multiple vehicle policy, all these things affect the rate.
I say this all the time, buy ALL the insurance you can possibly afford, buy the most personal protection offered, buy uninsured motorists, buy towing and labor (CHEAPEST place you can get towing is your insurance company). If you get hurt it is impossible to have to much insurance, here in Florida 1 out of 3 have no insurance. Plan on that guy hitting you.
And I have a neighbor who constantly brags about paying $360.00 year for full coverage. He has $10,000 worth of coverage. What kind of car can you hit that if totalled can be replaced for $10K? He has a house and cars that a sharp lawyer will own if he causes a bad loss. Prepare for this loss.

[skratch]

I'm probably not going to help you with this post unless you're a veteran. 

I'm with Progressive with USAA and I pay just over $600 a year if I pay it all up front, and that's for full coverage.

It pays to shop around, but in the end you need to go with a reputable company.  In 2010, Progressive paid me well over $20k for my 2007 Electra Glide + accessories when I totalled it hitting a deer.  Other companies might have expected me to fix it, but they didn't bat an eye.  Maybe that's because I've been with USAA for 36 years, but who can say.  Just remember that cheaper insurance isn't always better insurance.

interesting little tidbit.  i've been with progressive since i started riding back in 2002.  at the time, usaa would not insure motorcycles so couldn't go that route.  just recently, i learned that progressive was underwriting for usaa so i thought that i would give them a shot at a quote.  came out about $100 year more expensive, even though same company, same coverage.  so i stuck with progressive (through hd insurance).

[RGlideKid]

interesting little tidbit.  i've been with progressive since i started riding back in 2002.  at the time, usaa would not insure motorcycles so couldn't go that route.  just recently, i learned that progressive was underwriting for usaa so i thought that i would give them a shot at a quote.  came out about $100 year more expensive, even though same company, same coverage.  so i stuck with progressive (through hd insurance).

That is interesting.  I do have my house and vehicles insured with USAA so I'm probably getting some discount there because of the underwriting.  Progressive also insures my boat, which may or may not help.  Plus in the last 11 years with Progressive, I've had only one claim and that was a no-fault, and I've had zero tickets with the bike during that time (knock on wood).  I want to say I checked the HD insurance around seven or so years ago, and USAA was cheaper for me. 
Weird stuff, insurance.  You're betting you'll have a claim and they're betting you won't.  Talk about a messed up arrangement!

[FLSTFI Dave]

interesting little tidbit.  i've been with progressive since i started riding back in 2002.  at the time, usaa would not insure motorcycles so couldn't go that route.  just recently, i learned that progressive was underwriting for usaa so i thought that i would give them a shot at a quote.  came out about $100 year more expensive, even though same company, same coverage.  so i stuck with progressive (through hd insurance).

In Nov 2002 I was able to insure my 2003 Fatboy with USAA.  I was insured by USAA through 2009.  In 2007 we added my wife new Sportster.  When I bought a new 09 SERG in Jan of 09, UAAA informed me that they would not insure it, that they were getting out of insuring motorcycles.  That they were having Progressive underwrite the policies for them.  I was told they would continue to insure my fatboy until I traded it or canceled the policy. 

It is nice that there is a special USAA phone number for progressive.    In 15 my 15 SERGU and my wife's 15 Road Glide Special suffered Hail damage while at the Sturgis rally.  Progressive fixed everything damaged with out question or hassle, over 6500 to my bike and 5500 to my wife bike.  Was very happy.

March of this year, my wife was in a bad wreck, her 17 Road Glide Special was totaled.  We had it insured for replacement cost plus 6K in accessories.  We had the check for the replacement bike and 6K two weeks after the claim.  No questions, no fight. 

Very happy with progressive through USAA.

[RGlideKid]

In Nov 2002 I was able to insure my 2003 Fatboy with USAA.  I was insured by USAA through 2009.  In 2007 we added my wife new Sportster.  When I bought a new 09 SERG in Jan of 09, UAAA informed me that they would not insure it, that they were getting out of insuring motorcycles.  That they were having Progressive underwrite the policies for them.  I was told they would continue to insure my fatboy until I traded it or canceled the policy. 

It is nice that there is a special USAA phone number for progressive.    In 15 my 15 SERGU and my wife's 15 Road Glide Special suffered Hail damage while at the Sturgis rally.  Progressive fixed everything damaged with out question or hassle, over 6500 to my bike and 5500 to my wife bike.  Was very happy.

March of this year, my wife was in a bad wreck, her 17 Road Glide Special was totaled.  We had it insured for replacement cost plus 6K in accessories.  We had the check for the replacement bike and 6K two weeks after the claim.  No questions, no fight. 

Very happy with progressive through USAA.

You got that right, Dave!   

[charles05663]

In Nov 2002 I was able to insure my 2003 Fatboy with USAA.  I was insured by USAA through 2009.  In 2007 we added my wife new Sportster.  When I bought a new 09 SERG in Jan of 09, UAAA informed me that they would not insure it, that they were getting out of insuring motorcycles.  That they were having Progressive underwrite the policies for them.  I was told they would continue to insure my fatboy until I traded it or canceled the policy.

I had the same experience with USAA.  When I got my first Harley, USAA insured me.  It was really nice as I was able to match my medical coverage I had on my cars.  I really like the idea of a lot of medical coverage (think $200,000) with a motorcycle.  When I bought my 09 SERG I was unable to get USAA and they pushed me to Progressive. 

When I got the non-USAA coverage (or who ever that was from as I was pissed) my medical went down to $2,000.  I bitched pointed out  that you can't even get a toenail removed in an ER with that amount.

Anyway, when I compared USAA-Progressive to Progressive, I find you pay about $50-$100 more for the USAA-Progressive.  I guess it is the cost for them to handle the details.

 

[oe542bob]

Ok. Last night I tried Foremost. Supposedly I can use my AARP to get a great rate! Same coverage as I have, came back with a quote of $1267!!!! So much for that.
Next I tried Geico. Had a great conversation with a rep and came up with a quote, again same coverage, of $631. I said great sold. Gave my payment information. A few minutes later after that the rate was now $829! I said what happened to $631? Oh well a claim is shown on your auto policy 1 1/2 years ago. I said I don't remember having an accident. She then stated the date and claim amount. Then I remembered. On a job site parking lot my drivers door was blown by the wind into the next pickup. The claim was for $491. So I said you are going to jack my motorcycle rate up $198 for a claim of $491? Wasn't anything to do with a MC, and it was on my auto policy from another company.
Today I called a friend that got me SafeCo for $663. I asked, well what about a claim I had 1 1/2 years ago? He said it is listed and my rate is still $663.  Paid for the year. I was finally happy! Well at least somewhat.
Just called to cancel Dairyland. I made a payment on 6/15/2017 of $205. Just cancelled a few minutes ago and I was informed I'm only getting $80 back! WTF $125 for 5 days of coverage! Insurance always have an angle. God, I need a drink!