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Insurance: Progressive vs Geico

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Indenial:
I'm wondering what your experience has been with your insurance company paying out.  That's when it really counts.

Progressive wants $600 ($715 less $112 if pd in full) in MN for my 2009 Road Glide.  Geico wants $450 (pd in full).

Progressive:  Liability  500,000 combined single limit each accident           cost: 110.00
                    Uninsured/underinsured:  500,000 combined single limit each accident    cost: 197
                    Medical payments: 5000 each person    cost: 82
                    Accessories: 3000  cost: included
                   Comp and Collison limits not noted, but zero deductible   cost: 53 and 272

Geico Quote: Liability   250,000/500,000         cost: 35
                    Property damage   50,000          cost: 10
                    Medical payments  5000             cost: 60
                    Uninsured   250,000/500,000      cost: 81
                    Underinsured  250,000/500,000  cost: 150
                    Comp    500 ded                         cost: 27
                    Collision 500 ded                        cost: 84
                    Accesories  3500                         included

Do you more qualified people see any red flags?  Other than not having a local agent, who does our house/cars, to call?

CVODON:
As a retiree from a major insurance company I would suggest first off to get your coverage from a company direct. Bypass an agent at all costs. I as well as all the folks I worked with over the years slowly did away with any agent involvement on our personal stuff.
As you probably know, the agent's income has to come from somewhere, and it's not going to be me. The agents ability over the years to have a monetary affect on your business has slowly eroded to practically nothing. The rates you listed seem very much inline. I would, if I were you, go by the dealership you would use for repairs in case of a loss and ask the service manager who he has the best luck with overall and probably go with that company.
You can always have repairs done at your shop of choice, this is the law. But some folks prefer to go to a Insurance company preferred shop, this usually would include repairs being monitored by the staff adjuster in the area, extended warranty from your insurance company, valet (usually on cars only) extended rental, if needed. But others want to control all that themselves, me included. But it will help if your company also uses or at least works well with the same dealer or shop you prefer and the best way to find out is to ask the shop.

Indenial:
Thanks Don. Good advice. I'll go ask them.

skratch:
the only info that i can give you in this regards is purely anecdotal.  i've made 4 claims through progressive.  the first one was when my bike was attempted to be stolen and the guy dropped it.  did over $1300 in damages.  second one, my wife's bike fell over while on the lift, damaging the crash bar and front fender, about $1000 in damages.  those were several years ago.  but then a year ago last october i hit a deer on the way to work.  luckily i didn't go down, but had about $3500 in damages to the bike.  then in march, i was rear ended while waiting to make a left turn, totaling the bike.

in all instances, i felt like i was treated very fairly, and didn't have to fight for anything.  in fact, because i was able to do the labor myself, i actually made out ahead.  in the last instance where the bike was totaled, i ended up with a check for the bike for $25,000.  paid $33,000 for it back in 2013 and put 40,000 miles on it.  i did not have much in the way of aftermarket accessories, so the the $3,000 included covered what i had added.

now, none of these really affected my rate, except in the last case i went from a 2012 and a 2013 to two 2019 roadglide specials.  so, yes, my rate did go up because of the different value of the bike.  and i do have new bike replacement for the first 2 years as well.

contrast this to a guy i knew in the military.  no tickets, no accidents.  got into a wreck and had to fight with geico to get his bike fixed, and then afterward, they cancelled him.

i can't say if they are like that everywhere, but that's my experience here.  i have no problems recommending progressive.

oh, and there are at least 3 ways to get progressive.  the first is direct through their website.  the second through hd insurance, and the 3rd is through usaa.  (this is in addition to using a local agent of course).  i got a quote all 3 ways.  surprisingly, going through hd insurance was the cheapest.  i've been with them now for 18 years.

Phreakyz:
My Opinion -

Your Liability covers "damages that you do to others."  500,000 seems high for your bike.   You'd REALLY have to do some damage and hit multiple vehicles to do 1/2 mill in damages to others.   For a bike I'd personally recommend 100G or only slightly higher.

If your state allows it then I would drop Uninsured/Underinsured completely because it looks like you are getting Comp and Collision.   These would kick in automatically in the event that the party that hits you is underinsured or uninsured so it would be unnecessary to have both (Again, a few states require it)

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