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Author Topic: Insurance Cost ???  (Read 5376 times)

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skippy

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Insurance Cost ???
« on: February 26, 2013, 06:11:58 PM »

I have 4 bikes and my insurance is getting ridiculous  just wondering what others are paying,,, maybe we need to start a CVO owners policy....
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CVO Brian

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Re: Insurance Cost ???
« Reply #1 on: February 26, 2013, 06:20:12 PM »

4 Bikes and your complainning about Insurance? Just kidding brother but God Bless you on the 4 bikes. Ive had up to 3 but one was for sale. Full coverage on my CVO Ultra with All State is 393.00 per year with an additional 5 k in chrome coverage. Im 48, married and live in Miami. My Steet Glide 2010 was 100 less per year but was not a CVO
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tazmun

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Re: Insurance Cost ???
« Reply #2 on: February 26, 2013, 06:37:34 PM »

Have 3 bikes, and my premium is due 3-1-13 with Dairyland, $450.53!  Of coarse I live in WI., and they take off for
our winters! I get quotes every year from a few other companies, including Allstate, Progressive etc. and Dairyland
has always been better. I have to tell you that they are owned by Sentry Insurance, and I have all my cars and home
with them, and I get a 15% because of that!

TAZ
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bubtrauma

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Re: Insurance Cost ???
« Reply #3 on: February 26, 2013, 07:05:19 PM »

This will make you feel better. up here in canada i pay 13 hundred dollars for the riding season.

bub
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dayne66

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Re: Insurance Cost ???
« Reply #4 on: February 26, 2013, 07:06:02 PM »

This will make you feel better. up here in canada i pay 13 hundred dollars for the riding season.

bub
Maybe this'll make you feel a bit better too, Bub.....it's $1600 here!
« Last Edit: February 26, 2013, 07:10:53 PM by dayne66 »
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JoeVibe

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Re: Insurance Cost ???
« Reply #5 on: February 26, 2013, 07:14:59 PM »

I'm paying a little over $600 a year with Allstate for my 2013 SEUC.
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phato1

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Re: Insurance Cost ???
« Reply #6 on: February 26, 2013, 07:22:43 PM »

Cost depends on coverage levels...

I have  full coverage which includes roadside assistance and trip interruption plus 10K additional accessory coverage on the CVO, the same full coverage with a stated value( AKA appraised value , which actually exceeds the CVO's cost  :o ) rider on the Fatboy due to all the custom work,  and full liability and passenger but NO collision coverage (due to bikes age) on my Ducati. I'm paying about $1600 for all.

I could probably get coverage for less cash but I enjoy the piece of mind that if something happens I'm more than likely covered for it.
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phato1

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Re: Insurance Cost ???
« Reply #7 on: February 26, 2013, 07:24:32 PM »

I'm paying a little over $600 a year with Allstate for my 2013 SEUC.

Allstate wouldn't cover my bikes for less than 1600 EACH last time I checked -- and I use them for my auto and homeowners  :nixweiss:
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CVO Brian

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Re: Insurance Cost ???
« Reply #8 on: February 26, 2013, 07:31:33 PM »

Cost doesn't depemd on coverage alone. Its more the State or Country you live in obviously. Guys in Canada paying 1600 per year. I have full coverage with 100/300 uninsured motorist on my Harley Truck with 250 deductable and only pay 1000. per year with AllState. My bike has everything plus xtra chrome , Roadside assistance , Towing, New Bike No gap replacement and still at 393.00 per year. You guys get hammered up North. And my vanity plate is onlt 72 per year. Florida is a no fault state as well so this obviosly plays a factor
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V&H True Duals
Rinehart 4" Chrome Pipes
Trucklite ph 7 w/ passing lamps
Pollished front rotors
SE Race Tuner
SE Chisel Air Cleaner
Wild1 Chubby 578 10" Bars
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CVO SG Stretch Bags and Rear Fender
CVO SG 110 Derby Cover

JoeVibe

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Re: Insurance Cost ???
« Reply #9 on: February 26, 2013, 07:34:33 PM »

Allstate wouldn't cover my bikes for less than 1600 EACH last time I checked -- and I use them for my auto and homeowners  :nixweiss:

Wow! They were the best price I could get around here for the coverage. I've got full coverage with no depreciation for the first three years if the bike is totaled due to my fault. (A neat option I hope I never collect.)
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2k

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Re: Insurance Cost ???
« Reply #10 on: February 26, 2013, 08:21:56 PM »

'09 SEUC $387 with HD (Progressive)   Just changed from Foremost $743. How dumb do they think I am.                                                                                                                                         
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LRebel

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Re: Insurance Cost ???
« Reply #11 on: February 26, 2013, 11:41:36 PM »

To many variables to compare prices.  As mentioned before, it depends on where you live (loss experience within your area and local laws will effect your insurance cost).  And other variables like, the bike you ride (age, value, and performance (weight to horsepower ratio) - your age - if you are married or single - your driving record and claims record - the coverage(s) you choose to have on your policy (some people choose higher limits for liability, uninsured motorist, medical, lower deductibles and extra coverages, like towing or endorsements for accessories).
Your credit will effect what you pay for insurance (insurance companies think people that are responsible with credit are a better risk and reward them with a lower premium).  Some companies also consider your occupation and other licensed drivers in your household - if your bike is parked in a garage or outside when not being ridden - and if your bike has any serious performance modifications (a turbo, for example).
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D-N-D

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Re: Insurance Cost ???
« Reply #12 on: February 27, 2013, 05:42:29 AM »

Just payed the bill $ 437.00 for the year with Rider Insurance.
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Magnumeng

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Re: Insurance Cost ???
« Reply #13 on: February 27, 2013, 07:33:23 AM »

I got quoted 1800 for full coverage over here in Germany through USAA on a 2013 CVO Ultra. I am going to be calling some other places when it gets closer to my bike arriving here.

BUCKNUT GREG

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Re: Insurance Cost ???
« Reply #14 on: February 27, 2013, 08:49:45 AM »

WOW some of those prices just set me back in my chair.  I use GEICO here in OHIO and I pay a whooping 186.00.
Can't believe some of those prices some are posting.  Just plain Scary.
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