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[flhse]

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.

Well, I'll trade insurance cost with just about anyone.  Michigan is known for high insurance, my 2004 was just over $700 a year with State Farm.  The new 2017 Limited added $300 to that.   

So, Don, not necessarily the age of the bike but the zip code you live in and state.  I think its time to leave Michigan!!

[coloradotom]

Insurance for me is around the same as most of you guys. But the grass isn't always greener. My registration for the bike the first year was $714...

[charles05663]

Insurance for me is around the same as most of you guys. But the grass isn't always greener. My registration for the bike the first year was $714...

I thought the grass was always greener in Colorado 

 

[havenolife]

will I hate to say this but knock on would and bull chit you not been with allstate at age 16 I'm 56 now then a rider of the parents policy I have a house 2 cars a 14 cvo ltd a 14 cvo king the bike cost just over $400.00 dollars a year and its 50000/100000/300000 cant beat it after I see what some of you are paying I'm a happy camper

[Indenial]

While policy cost is sure a factor, I'm wondering who has needed to make a claim----and which insurance companies paid the most on a filed claim. And which ones try to screw you.   Is the company and policy cost proportional to the amount you receive on a claim?

[iski]

Had a claim a few years ago with Allstate.  Time wasted on that took me out of 6 weeks of the best riding season on my CVO Ultra.  Rather than just blame Allstate, in my case it was an adjuster who knew next to nothing about motorcycles, appeared to be somewhat prejudiced against motorcycles and riders in general, and perhaps was prejudiced against me in particular for whatever reason.  After the agent intervening (said he could not but know that they can because eventually he did & others have in the past) and me meeting with the adjuster at the shop, all was resolved quickly.  Do I love Allstate/hate Allstate?   Neither.  At this point in time, they are the best coverage for the cost I have found in my area.  That changes at times, and my policy loyalty does not go with lowest cost always but it does move with the best cost/coverage offered.

Long time back was not that way on autos, M/Cs, & home.  Stayed the same, major companies only, did not shop.  Quite a few years ago after some hefty cost increases for no owner/operator reasons, I shopped.  Man was I surprised at how much some companies were compared to others.  If it's $10-20-50 bucks might not change just because of the hassle.  Usually the difference is $200 or more when I do. 

Insurance rates cannot be compared across areas as to exacts on premiums - in this case even inside the same state.  Why?  Lots of reasons, mainly has to do with cost of operation of a vehicle as to risk in given areas.  Rates are set by actuaries who study stats then figure averages based on age, miles, driving records, etc.  My comparing an insurance rate to your rate, unless you live in or near my zip code is like comparing the cost of an apple in an orchard to the price at a roadside stand 1,000 miles away.  Same apple, different costs associated with it.

[Dan_Lockwood]

Well, I'll trade insurance cost with just about anyone.  Michigan is known for high insurance, my 2004 was just over $700 a year with State Farm.  The new 2017 Limited added $300 to that.   

So, Don, not necessarily the age of the bike but the zip code you live in and state.  I think its time to leave Michigan!!

Brad,

I grew up in MI and I know many years ago how the big three SE counties had the highest insurance rates in MI.  Then sometime in the '70s or '80s, I believe they "equalized" all over the state and from then on it was supposed to be a statewide average and no one county should pay more than another.

But I'm not really sure how one would know that as you cannot fake your address in any of the quote requests I've seen.

I know at one time in the late '90s I had 10 vehicle insurance policies in effect.  They didn't all run, but I still needed insurance on them.

I also had a few speeding tickets and my insurance on my Buick Park Ave double.  In MI I never heard of anyone getting a lawyer and pleading down to a non moving violation, but here in MO, no one pays for speeding tickets, you just pay your lawyer a couple hundred bucks and you get a fine to pay without points or a record of a moving violation.  I have used this service on a couple occasions...

[coloradotom]

Had a claim a few years ago with Allstate.  Time wasted on that took me out of 6 weeks of the best riding season on my CVO Ultra.  Rather than just blame Allstate, in my case it was an adjuster who knew next to nothing about motorcycles, appeared to be somewhat prejudiced against motorcycles and riders in general, and perhaps was prejudiced against me in particular for whatever reason.  After the agent intervening (said he could not but know that they can because eventually he did & others have in the past) and me meeting with the adjuster at the shop, all was resolved quickly.  Do I love Allstate/hate Allstate?   Neither.  At this point in time, they are the best coverage for the cost I have found in my area.  That changes at times, and my policy loyalty does not go with lowest cost always but it does move with the best cost/coverage offered.

Long time back was not that way on autos, M/Cs, & home.  Stayed the same, major companies only, did not shop.  Quite a few years ago after some hefty cost increases for no owner/operator reasons, I shopped.  Man was I surprised at how much some companies were compared to others.  If it's $10-20-50 bucks might not change just because of the hassle.  Usually the difference is $200 or more when I do. 

Insurance rates cannot be compared across areas as to exacts on premiums - in this case even inside the same state.  Why?  Lots of reasons, mainly has to do with cost of operation of a vehicle as to risk in given areas.  Rates are set by actuaries who study stats then figure averages based on age, miles, driving records, etc.  My comparing an insurance rate to your rate, unless you live in or near my zip code is like comparing the cost of an apple in an orchard to the price at a roadside stand 1,000 miles away.  Same apple, different costs associated with it.

The "good hands" folks at Allstate gave me their middle finger with my homeowners. 15 years, no claims and dropped, completely out of the blue. "Wildfires" was the reason, BUT if I wanted to pay $5,800 a year they'd insure me in a different tier with no inspection required. Went to State Farm and wound up costing $1,000 less than the middle finger folks.

[iski]

The "good hands" folks at Allstate gave me their middle finger with my homeowners. 15 years, no claims and dropped, completely out of the blue. "Wildfires" was the reason, BUT if I wanted to pay $5,800 a year they'd insure me in a different tier with no inspection required. Went to State Farm and wound up costing $1,000 less than the middle finger folks.

Moved to Florida, mid 90s, had State Farm homeowners for years before.  A SF regional manager called the office here to get them to insure me when they balked.  Few years later, raised rates by 35%.  Hurricanes.  Except we had never had a hurricane here for 20 years when they did that.  I have had zero claims here on homeowners. Checked around, found same coverage for $500 a year less.  Since then have shopped A rated or better companies for home insurance.  Started shopping the car & M/C insurance when the kids were teenagers.  Have saved thousands of dollars since on all insurance products.  I treat it now as a commodity, similar to banking/saving/investing.  Good company, solid rep - some are not competitive, others are.  Can spend the money better elsewhere instead of paying too much for the same type products. 

[Designflaw]

Sheww, I have 4 cars and a house with  SF and at the time I bought my 14 SGS I had 2 other bikes and they did me no favors. Went to Geico and the 14 was 285.00 yr 100/200/300. Bought the 17 SGSE 365.00 same coverage so no complaints here.

Sent from my SM-G935V using Tapatalk

[Harley Guy]

Some, make that most of these premium numbers make me say.......WOW...

My State Farm policy premium is $281 per year.
.
I feel good - the song comes to mind (sorry guys)
.
RIDE ON......

[08glide]

well, I kept getting jerked around the last couple of yrs. with progressive. going up every yr with no points,accidents or speeding violations. shopped around & found I could save 1400.00 on overall policy (cars,truck,house.umbrella & 3 motorcycles). motorcycles went from 400 each to 400 for all 3 with the same coverage (full) & same deductibles. went with allstate. just my .02

[flhse]

Ran across this today in some of my emails.  May help some folks. 

[bigsixman]

I just paid my State Farm annual premium for my 2009 HD street glide and it is $165.00/yr. I live in nw MN and I also have my house and 4 cars insured with State Farm.

[IRNEngineer]

We switched all of our cars to USAA several months ago, but they said they would not insure the our '16 FLHXSE. Said they aren't insuring motorcycles. Thanks for the info. We'll have to come back around to them.  We are in the process of adding our house to USAA. State Farm doubled our home insurance when we removed the cars. Gotta love it.