Progressive cycle insurance question

[cookiedough]

does anyone have Progressive for cycle insurance?

My renewal comes due 4-12 in a few short days and went up 15% no reasoning on all 6 cycles.  Not my question, but this is:  I want to put lowest liability limits with no comp and no collision and no medical payments on my old 1983 honda cycle and Progressive cycle policy does not allow it.  They told me tonight over phone all 6 cycles MUST have EXACT same liability,  medical payments, comprehensive and collision amounts/deductibles that is the way the policy was written thru underwriting and cannot be changed. 

Is that the case with your Progressive cycle insurance in your state?

Get this also:  I may be getting rid of the 1983 and 1997 honda selling both, but if I do, the rate from 6 to only 4 cycles goes UP slightly, NOT down.   Give me ONE good reason as to why the rate does not go down?  It basically re-assigns a HUGE rate increase to the newest/fastest, and maybe most expensive cycle (if you call a 2005 yamaha fjr1300 worth 5K expensive)  which also does not make any sense.

So, if I get rid of both cycles,  I will just not tell Progressive I got rid of them both since do not want rate increase.  If I get rid of just 1 of the 2, either the 1997 or 1983 Honda, which both are the oldest and least expensive worth less,  then the rate goes up OVER 30% rate increase OVER 100 dollar increase in premiums to the other cycles going up in rates.  Go figure?  Does common sense prevail here or what??? 

Heck, I might just buy 10 more cycles and LOWER my yearly premium vs. only 6 cycles?           ONLY thing wrong with that is the registration fees are a killer for sure. 

Ever since Progressive forced me to write a new policy in April 2018 going from 4 to 5 cycles their new rating structure is stupid no common sense at all.  Their old policy was lower in price but only allowed to write up to 4 cycles in WI and I do believe allowed lower deductibles/limits to VARY ON EACH cycle on the old policy which only makes common sense.

I should be able to put the lowest legal limits on any of the 6 cycles especially since 2 of the 6 are not ridden much at all, thus the reason on selling them, but why sell besides registration fees since will increase my insurance premiums?   

[Jess from VA]

I was with another Co, and they would not let me vary coverages between my cars and bikes.

So I took my bikes elsewhere.  (Geico)

I don't have Progressive (and wouldn't under any circumstances).

I haven't carried anything other than (fairly low) liability and uninsured motorists, on any motorcycle, ever (even a new one).  I never made payments on any bike.  I never had a claim on a bike.  For dings, bangs, scrapes and new parts, I am self insured.  

I don't wreck my bikes, they don't get stolen or burned, I don't hurt other people (or their cars, trucks or mobile homes), and I don't carry passengers (which is always your biggest liability risk on a bike).

I do carry full coverage on my new truck.  I won't wreck that either (but it could get stolen), and scumbag lawyers make insuring cages (esp with higher liability) a necessity (unlike bikes IMHO).    

In any event, remember that when asking others about coverage, even with the same company, there are so many differences between state law/regs and insurance commissions, it can be apples and oranges between states.  A good company in one state may suck in another state (for price or service).

EDIT: I am not recommending you go under-insured.  You should do what you want.  I am only telling you what I do.

[Robert]

Why dont you drop the comp on the older bikes, insurance will go by book value in the event of being stolen or in an accident. I can imagine the bikes book value to be very low, this they should let you do since you are not altering the coverage but cancelling one portion of it. Or rewrite the whole policy and cancel the one that you want to change.

I dont know why this is not suggested since its done all the time. Sometimes with certain portions of the coverage it covers all vehicles automatically that is the reason some changes are not simple. So the one to approve it is underwriting and not the sales person, a middle man or insurance agent can also help with this and sometimes will get you a better rate.

If the policy is not to high you could pay it in one shot also since sometimes they offer you a discount with a policy paid in full.

The other option is get classic insurance for the bikes you dont ride since they will be lower based on mileage have better coverage in the event of being stolen or damage while stored..  Hagerty is one such company and that way you can keep the bikes that are ridden on a different policy and it may still be cheaper without a multiple bike discount.

[Bighead]

Find an independent agent and ask them to look into Foremost ins. I believe it is based out of your state. Switched mine last year and cut my premiums in half. With better coverage than progressive. Worth checking into.

[cookiedough]

thanks all for the input so far,  good suggestions all around, keep them coming!

calling Geico and Foremost tonight as suggested but last time I checked, Geico was higher still than Progessive.   Allstate is an option as well as a few others but again,  last year I checked and still higher than Progressive, but not by much now since went up 15%.

Unfortunately cannot drop comp. on the 1983 cycle even though I tried and asked MUST keep comp and collision and medical payments even though want to drop them all and just get liability.  Their system does not allow it which is f'ing stupid.  If I drop either of those cycles or both, rates go UP on other 4 bikes more than I am paying now on 6 cycles, can anyone explain that to me?

I just want common sense here vs. what Progressive's new system allows or does which is not right.

I swear I have to keep switching every 1-2 years since for no good reason with NO at fault accidents EVER NO insurance company out there is worth a darn to keep loyal customers just keep jacking up the rates a lot year after year.

Get this one:  My neighbor moved to yuppie vil Madison WI built a NEW 300K home and we both used to have Allstate for home/autos a few years ago.  My 150K home (1/2 value) and in good shape, etc. is just as much to insure apples to apples as his new home worth double the value even if he has 500 more square foot home as well which is near 1/2 square footage MORE than my 1100 sq. foot ranch home.   That one is a rip off as well thus Allstate leaves a bad taste for me as well tried figuring that one out as well cannot.   A few years ago my home insured with Allstate was around 400 bucks per year and new quote given to me a month or so ago was like 540 bucks which is same price paid for home insurance as my ex neighbors new home that is 500 sq. foot more and much fancier and double in value.

[Hooter]

I had Progressive when I got hit on the xway years back. Single worst experience I ever had. ( only accident I've ever been involved in) Anyway, I have 3 bikes and after shopping around was able to reasonably do what I wanted at State Farm believe it or not. The only thing I hate is having to pay my premiums monthly instead of like quarterly or 6 months.

[Gavin_Sons]

I have had progressive for the past 6 years and it has done nothing but go down each year. I have 3 cars and the bike on it. Have never had a claim so i can't speak about the experience with claims. I know i pay about 1/4 of what i was paying for the same coverage through Farm Bureau.

[old2soon]

        I'm with Shelter Insurance here in Missouri. I do NOT have medical or passenger coverage or towing with Shelter. I believe I have $500.00 deductible on the collision. My towing is part of my annual A M A package. Also have theft public liability and uninsured motorist. Costs me right at $240.00 a year and i pay it all at once. My agent-good guy-made the point that if i only carried insurance for 6 months you just KNOW the bike would be stolen when you have no coverage. And it is a bit less expensive by the year than 6 months and as a Plus you gitz those nice days in the "winter" you can crank er up and ride!   Shop around and maybe look at some of the online offers that appear on the tube every 15 seconds or so.   Jess hit the nail dead center on da head. Every state has their own silly asssed rules concerning the Insurance "industry" and I M H O the regulators are NOT on our Side. RIDE SAFE.

[¿spoom]

Maybe I'm missing something, why would anyone stay with an insurance company that was "always screwing them? Just get quotes from everyone else and go with the company that lets you select whatever you want, and then charges you less. What was the company you kept complaining wouldn't insure more than 4 bikes? Probably want to skip them. As for going up 15%, are you close enough to the carjacking cesspool of Milwaukee to be included in their giant circle of insurance punishment?

[JimC]

I would bet that your rates are based on the fact that you have a male teenage rider in the house more than anything else.
Not much you can do about that.

Jim

[Chrisj CMA]

I had progressive but when they tried to raise my rates for no reason I fired them. Allstate now. Full coverage costs 200/year. The second Valkyrie raised it to $300/year. Just got it back down to $200/year today after selling one

[John Schmidt]

I use Markel, full coverage this year renewed in Jan. was $127. Been with them long enough that my deductible has disappeared. Had two bikes a couple different times, full coverage on the Valk and minimal on the others. I wouldn't touch Progressive for any reason even if it were free, I don't trust them. Period! In my view, Geico isn't far behind....both cases go back many years based on personal experience.

[cookiedough]

I would bet that your rates are based on the fact that you have a male teenage rider in the house more than anything else.
Not much you can do about that.

Jim

Is not really about the rate, but the fact that insuring 6 cycles is cheaper than insuring 4 cycles on one policy which common sense wise is not right.  When and if I sell both cycles I will just leave them on the policy still even though not owned, but the fact of the matter is the rate should go down even slighly having only 4 vs. 6 cycles insured.

Same principle holds true say if had 4 vehicles insured and you sell one down to only 3 vehicles and the auto rate goes UP only having 3 vs. 4 vehicles.  Is just WRONG.   Only thing I can think of which they have no fricking clue nor know when asked is they assigned my 18 year old to the old 1983 Honda worth tops 2k as primary and then their system put him as primary on the 2005 yamaha fjr1300 being fastest and worth more like 5K once sold 1983.  however, when asked about that they had no clue either about assigning primary drivers to one cycle.  All the idiots said was that is what it comes up as is all with no reasoning behind it totally clueless and lacking common sense. 

[Beardo]

I would bet that your rates are based on the fact that you have a male teenage rider in the house more than anything else.
Not much you can do about that.

Jim

Is not really about the rate, but the fact that insuring 6 cycles is cheaper than insuring 4 cycles on one policy which common sense wise is not right.  When and if I sell both cycles I will just leave them on the policy still even though not owned, but the fact of the matter is the rate should go down even slighly having only 4 vs. 6 cycles insured.

Same principle holds true say if had 4 vehicles insured and you sell one down to only 3 vehicles and the auto rate goes UP only having 3 vs. 4 vehicles.  Is just WRONG.   Only thing I can think of which they have no fricking clue nor know when asked is they assigned my 18 year old to the old 1983 Honda worth tops 2k as primary and then their system put him as primary on the 2005 yamaha fjr1300 being fastest and worth more like 5K once sold 1983.  however, when asked about that they had no clue either about assigning primary drivers to one cycle.  All the idiots said was that is what it comes up as is all with no reasoning behind it totally clueless and lacking common sense. 

You’re right, that doesn’t make sense.

Just be glad you CAN combine rates for bikes. I pay $220 per MONTH for mine. If I had another one, it would be another $220. Not a lot of people with more than 1 bike up here.

[The emperor has no clothes]

I would bet that your rates are based on the fact that you have a male teenage rider in the house more than anything else.
Not much you can do about that.

Jim

Is not really about the rate, but the fact that insuring 6 cycles is cheaper than insuring 4 cycles on one policy which common sense wise is not right.  When and if I sell both cycles I will just leave them on the policy still even though not owned, but the fact of the matter is the rate should go down even slighly having only 4 vs. 6 cycles insured.

Same principle holds true say if had 4 vehicles insured and you sell one down to only 3 vehicles and the auto rate goes UP only having 3 vs. 4 vehicles.  Is just WRONG.   Only thing I can think of which they have no fricking clue nor know when asked is they assigned my 18 year old to the old 1983 Honda worth tops 2k as primary and then their system put him as primary on the 2005 yamaha fjr1300 being fastest and worth more like 5K once sold 1983.  however, when asked about that they had no clue either about assigning primary drivers to one cycle.  All the idiots said was that is what it comes up as is all with no reasoning behind it totally clueless and lacking common sense. 

Maybe they figured you weren't rolling thru the stop signs anymore ?   

[Jess from VA]

Just be glad you CAN combine rates for bikes. I pay $220 per MONTH for mine. If I had another one, it would be another $220. Not a lot of people with more than 1 bike up here.

Holy crap that is outrageously, wrongfully, prohibitively expensive Beardo.

You have my deepest sympathy (and I mean it).  At that expense, you could buy a nice used one every two years.

And our bikes are ancient, by comparative standards.

Do they treat bikes so bad alone, or are autos/trucks just as bad?

Is this private or some kind of Govt insurance?  

[Beardo]

Just be glad you CAN combine rates for bikes. I pay $220 per MONTH for mine. If I had another one, it would be another $220. Not a lot of people with more than 1 bike up here.

Holy crap that is outrageously, wrongfully, prohibitively expensive Beardo.

You have my deepest sympathy (and I mean it).  At that expense, you could buy a nice used one every two years.

And our bikes are ancient, by comparative standards.

Do they treat bikes so bad alone, or are autos/trucks just as bad?

Is this private or some kind of Govt insurance?  

I have a buddy with a 15 year old bike worth maybe $3500, he pays about what I do. He pays for the bike about every second year.   Which is much worse than me paying that much for my 2018 wing. But my 98 Valk was about the same.

My 07 Tacoma is $1500/year.

Our insurance company is government owned. And they have the nerve to say they’re still losing money on bikes at these rates. I call BS. Private companies in the US won’t do things if they’re losing money and their rates are a fraction of ours.

Edit: ...and that rate of $220/month gives me a $700 deductible. I had to spend another $150/yr to get that down to 200.

And I’m a 44 year old with no tickets in the last 10 years, never been in an accident.

[Jess from VA]

Well, why am I not surprised that the govt is involved in this insurance?

All govt has a proven track record of lousy, overpriced, inefficient service.  On nearly everything it does.  They probably lose money because the dept that handles insurance has 2500 employees.   

I'm glad you cleared up the good driver thing; I wasn't going to ask if you were a wheel man for a mob enforcer, or a hit and run artist with 225 points.  (One can only imagine what it would cost someone who always had a half dozen moving violations on his record.)

On my new Ram Promaster van I carry high liability and full coverage with 500 deductible, and it's $270 every 6 months (clean record) (and no claim with them since 1984).  But a very busy, crowded urban area.

I would assume you can at least cancel coverage on the bike for the winters (long ones).

I still remember my first bike at 17 (650 BSA Lightning, like one year old) (and there was no MC license endorsement in those days).  I went into a little place and paid some $27 cash for a year of insurance (and at 17 I was getting tickets often enough to have them tell me one more and I lose my license, but not on bikes, only hot rod cars).

We had long winters on my island in MI too, but for $27 a year (circa 1970), why cancel?

[Beardo]

I would assume you can at least cancel coverage on the bike for the winters (long ones).

Yeah, that’s why I had to buy the extra $150 package, to get off-season coverage. Lowered my deductible while I was at it.

I guess that’s the only good thing about 6-7 month winters 

Sorry for the hijack. Carry on complaining about your $300 per year for 17 bikes insurance. 

[cookiedough]

Just be glad you CAN combine rates for bikes. I pay $220 per MONTH for mine. If I had another one, it would be another $220. Not a lot of people with more than 1 bike up here.

Holy crap that is outrageously, wrongfully, prohibitively expensive Beardo.

You have my deepest sympathy (and I mean it).  At that expense, you could buy a nice used one every two years.

And our bikes are ancient, by comparative standards.

Do they treat bikes so bad alone, or are autos/trucks just as bad?

Is this private or some kind of Govt insurance?  

I have a buddy with a 15 year old bike worth maybe $3500, he pays about what I do. He pays for the bike about every second year.   Which is much worse than me paying that much for my 2018 wing. But my 98 Valk was about the same.

My 07 Tacoma is $1500/year.

Our insurance company is government owned. And they have the nerve to say they’re still losing money on bikes at these rates. I call BS. Private companies in the US won’t do things if they’re losing money and their rates are a fraction of ours.

Edit: ...and that rate of $220/month gives me a $700 deductible. I had to spend another $150/yr to get that down to 200.

And I’m a 44 year old with no tickets in the last 10 years, never been in an accident.

1500 year for a 07 tacoma - OUCH.  I guess never moving to Canada.    They screw the pouch up there in dayupper land....

[cookiedough]

I called up Progressive demanding ASAP to speak to an underwriter vs. going nowhere with the gals who answer the 1-800 number.

He was working from HOME dog barking in background and noise all over and was Pakistan/Hindu barely able to speak too good of clear English, but was nice.  He said is because my 18 year old cycle driver going from older 1983 and 1997 dropping those and going onto newer 2005 yamaha fjr1300 worth much more increases premiums.  He did a scenario removing my 18 year old entirely from policy just me age 49 no tickets or accidents and removing those 2 cycles and drops around 85 bucks per year, NOT UP as with my 18 year old on board. 

So I guess for those who have Progressive and teenage cycle drivers:  Get an OLDER in good shape cycle added onto your policy for them since is a heck of a lot cheaper than a newer cycle even though 2005 is NOT that new but 1298cc vs. 1098cc or 748cc as the others are.

Not liking it, but it is what it is and at least I got an explananation as to WHY it is what it is vs. just the way the software system is setup. 

What is funny is my 249cc single cylinder 2008 scooter is MORE to insure apples to apples same coverage than the 1997 honda magna which is dirt cheap.   Am sure Progressive has a statistic somewhere that scooters have more collisions and accidents thus scooters are higher to insure than motorcycles in general. 

[Chrisj CMA]

Fire Progressive. Simple.

[RP#62]

It does not pay to be loyal to an insurance company.  You should always be shopping around for the best price.  Nothing personal, just business.

-RP

[cookiedough]

It does not pay to be loyal to an insurance company.  You should always be shopping around for the best price.  Nothing personal, just business.

-RP

I agree with the above statement on loyalty 110%.  They are never loyal to me so why should I be loyal to them?

While on the phone,  I had the underwriter guy do a scenario of removing my 18 year old off the 6 cycles entirely and went down some with just me on policy 6 cycles, then he removed the 2 cycles me ALONE on policy and went down 90 bucks total as it should from 6 to 4 cycles..  But, if have the kid on the policy, it goes up a smidge from 6 to only 4 cycles.  Go figure? 

got some use out of that insurance taking both Valks out tonight after work me and the kid ripping it up although short ride of only 26 miles got home in the near dark time of 7:30ish.    I let him drive the tourer with CAR tire and NO flaming death with kid on it although he took it fairly slow around the corners his first time out this year, as that old car tire does not rail like his fjr1300 or for that matter a Valkyrie with a normal cycle tire.

[Bighead]

It does not pay to be loyal to an insurance company.  You should always be shopping around for the best price.  Nothing personal, just business.

-RP

I agree with the above statement on loyalty 110%.  They are never loyal to me so why should I be loyal to them?

While on the phone,  I had the underwriter guy do a scenario of removing my 18 year old off the 6 cycles entirely and went down some with just me on policy 6 cycles, then he removed the 2 cycles me ALONE on policy and went down 90 bucks total as it should from 6 to 4 cycles..  But, if have the kid on the policy, it goes up a smidge from 6 to only 4 cycles.  Go figure? 

got some use out of that insurance taking both Valks out tonight after work me and the kid ripping it up although short ride of only 26 miles got home in the near dark time of 7:30ish.    I let him drive the tourer with CAR tire and NO flaming death with kid on it although he took it fairly slow around the corners his first time out this year, as that old car tire does not rail like his fjr1300 or for that matter a Valkyrie with a normal cycle tire.

Cookie (I dont know your name) dont take this wrong but you didnt let him DRIVE the valk you let him RIDE the valk. Dont know why but this buggs the piss out of me when womeone says they Drive a MC. You RIDE a MC and drive a car. Nust like someone saying they have a 15 round CLIP for their firearm whn it is a MAGAZINE.   SORRY for the vent but had to say it.

[Jess from VA]

While on the phone,  I had the underwriter guy do a scenario of removing my 18 year old off the 6 cycles entirely and went down some with just me on policy 6 cycles, then he removed the 2 cycles me ALONE on policy and went down 90 bucks total as it should from 6 to 4 cycles..  But, if have the kid on the policy, it goes up a smidge from 6 to only 4 cycles.  Go figure?  

I can't be sure, but this might be why.  If the 18yo (who they consider the big risk on the policy, so his participation will drive the price) is covered, then he must be assigned primary on at least one bike.  If he gets one of 6 (bikes), he only rides 1/6 of your bikes primary.  If he gets one of 4 (bikes), he rides 1/4 of your bikes primary.  A quarter is higher than a sixth, the risk looks higher (on paper), and so the premium is higher. (And this assumes you would wisely assign him primary on one of the smaller, slower, older, less valuable bikes of the group, whether 4 or 6.)

Of course, he will ride one bike (or more, if allowed) as much as he wants, and it doesn't matter if you have 4 or 6, but that is how insurance companies think (algorithms, programs and such).

 

[cookiedough]

While on the phone,  I had the underwriter guy do a scenario of removing my 18 year old off the 6 cycles entirely and went down some with just me on policy 6 cycles, then he removed the 2 cycles me ALONE on policy and went down 90 bucks total as it should from 6 to 4 cycles..  But, if have the kid on the policy, it goes up a smidge from 6 to only 4 cycles.  Go figure?  

I can't be sure, but this might be why.  If the 18yo (who they consider the big risk on the policy, so his participation will drive the price) is covered, then he must be assigned primary on at least one bike.  If he gets one of 6 (bikes), he only rides 1/6 of your bikes primary.  If he gets one of 4 (bikes), he rides 1/4 of your bikes primary.  A quarter is higher than a sixth, the risk looks higher (on paper), and so the premium is higher. (And this assumes you would wisely assign him primary on one of the smaller, slower, older, less valuable bikes of the group, whether 4 or 6.)

Of course, he will ride one bike (or more, if allowed) as much as he wants, and it doesn't matter if you have 4 or 6, but that is how insurance companies think (algorithms, programs and such).

 

Yah,  that is the theory I guess they use?   However, when asked about them assigned to ONE specific cycle, they said that is not the case, or so they say?  Am sure since scenario back to only 4 cycles having the yamaha fjr1300 being 2005 year the newest it jacked that way up on rates over 100 bucks more increase to compensate for the 2 bikes off the policy.

sorry I offended anyone on clip vs. magazine and ride vs. drive (or whatever), must be a southern WI thing or my English is not precise/good enough for some on this board?   

[3fan4life]

This thread caused me to take a look at my insurance.

I currently have Progressive through USAA.

Online quotes show both Dairyland and Riders to be less $$$ than Progressive for more coverage.

My current policy is paid up through June, I doubt that I will renew with Progressive.

[Jess from VA]

Mark, I used to have everything with USAA (for a long time; house, cars, bikes), but years ago they would not let me carry lower liability on my bikes than my cars, so I went to Geico (which I always understood was the old military enlisted man's USAA, when USAA was still only available to officers, and their families).  And I've been happy with Geico here in VA for my bikes (though same have complained of bad experience with them on here) (no claims ever, and I get discounts for age, touring bike, clean record & MSF completion) (but I only carry minimal protection - liability & uninsured motorists).

When I sometime later asked USAA if they still covered bikes, they said only by laying off all their bike business to Progressive.  I wouldn't do business with Progressive so that's that, but I have no idea what, if any, oversight of Progressive USAA might have under whatever agreement they have together.

But I have not shopped around since with Geico, so I can't say if some other outfit does better in VA. 

[Ken aka Oil Burner]

I'm about to fire Mapfre insurance for a similar reason. Just got my renewal. No more multi-bike discount, and each policy went up from last year with no reasoning given. I'm now paying between $400 and $500 a year for each bike. $1397.00 total for 3 bikes.  

I have my homeowner's policy and both of our 4 wheeled vehicles through a different company, but they don't insure motorcycles at all, so I couldn't combine. I guess it's time to look elsewhere for everything. Massachusetts does in fact suck when it comes to insurance (and many other things). Our laws are so complex and complicated that many companies won't or can't do business here.

[¿spoom]

Mark, I used to have everything with USAA (for a long time; house, cars, bikes), but years ago they would not let me carry lower liability on my bikes than my cars, so I went to Geico (which I always understood was the old military enlisted man's USAA, when USAA was still only available to officers, and their families).  And I've been happy with Geico here in VA for my bikes (though same have complained of bad experience with them on here) (no claims ever, and I get discounts for age, touring bike, clean record & MSF completion) (but I only carry minimal protection - liability & uninsured motorists).

When I sometime later asked USAA if they still covered bikes, they said only by laying off all their bike business to Progressive.  I wouldn't do business with Progressive so that's that, but I have no idea what, if any, oversight of Progressive USAA might have under whatever agreement they have together.

But I have not shopped around since with Geico, so I can't say if some other outfit does better in VA. 

That's how I remember GEICO (gummintemployeeinsuranceco) also. I will not deal with them because a while back they were the biggest A-Holz regarding lobbying for helmet laws, especially a national one. Cuh-del-em!

[cookiedough]

This thread caused me to take a look at my insurance.

I currently have Progressive through USAA.

Online quotes show both Dairyland and Riders to be less $$$ than Progressive for more coverage.

My current policy is paid up through June, I doubt that I will renew with Progressive.

Gave Dairyland a call and over 200 bucks higher per year so that is out.  What is Riders insurance?  Never heard of them being called Riders?  I guess I can google it?

At least they have some common sense when lowering from 6 to 4 cycles the rates go DOWN NOT UP as with Progressive.

[3fan4life]

http://www.rider.com/motorcycle_insurance_quote.html

[3fan4life]

Mark, I used to have everything with USAA (for a long time; house, cars, bikes), but years ago they would not let me carry lower liability on my bikes than my cars, so I went to Geico (which I always understood was the old military enlisted man's USAA, when USAA was still only available to officers, and their families).  And I've been happy with Geico here in VA for my bikes (though same have complained of bad experience with them on here) (no claims ever, and I get discounts for age, touring bike, clean record & MSF completion) (but I only carry minimal protection - liability & uninsured motorists).

When I sometime later asked USAA if they still covered bikes, they said only by laying off all their bike business to Progressive.  I wouldn't do business with Progressive so that's that, but I have no idea what, if any, oversight of Progressive USAA might have under whatever agreement they have together.

But I have not shopped around since with Geico, so I can't say if some other outfit does better in VA. 

I had Geico but I fired them because it kept going up for no reason.

[cookiedough]

well here we go again 1 year later.  I renewed ONLINE for another year on April 5th with Progressive quoting me ONE price on April 5th due April 12th for NEW year 4-12-2020 to 4-12-2021.  Get this,  in the mail on Saturday 4-11 the declaration page sent to me, the price went up yet again 62 bucks total per year vs. the quoted price on April 5th given to me due April 12th for the SAME 1 year 4-12-2020 to 4-12-2021.

I technically am due paying it all pd in full today but after over 1 hour  now on HOLD to 2 resolution specialists putting me  ON HOLD over 30 minutes each then the phone went dead both times, I am NOT paying a dime until they tell me why ONE cycle went up from 104 per year to 264 bucks same exact coverage, etc.  NOTHING changed.  Some cycles went down, but that one cycle went way way up near 250% rate increase just on that ONE cycle?  Their rate structure varies greatly from year to year is what they told me on the phone NO control over their underwriters doings.  I say their underwriters are ignorant as a box of rocks.  Like I said last year,  if I sell or even uninsure 3 of the 7 cycles my rates go UP NOT DOWN, how does that one make sense?

I got a call into others now as well so NONE of my cycles will have insurance on them for a few days oh well screw them but not riding any of them since in low 40s all week with a lapse in coverage, oh well, NOT my problem both reps on the phone with progressive hang up on me after being put on hold forever.  

My best bet am sure will be Allstate they were close last year so hoping their rates did not go up emailed the lady from last year this time so will see.  

[shadowsoftime]

Farmers has reduced my cage and mc ins 25% saves me a bundle.

[cookiedough]

Farmers has reduced my cage and mc ins 25% saves me a bundle.

Yep,  got a call into them for a response today as well but of course Sunday nothing open.  I had Farmers once until they too jacked up the rates on my autos way back when.  I have had in past 12 years?  Progressive, Alllstate, Geico,  Farmers,  GMAC insurance, Auto Owners, Liberty Mutual,   and way way back when State Farm.   I have called others mentioned on here and no luck all higher last year.  Every single one I mentioned I have not stayed with any over 2 years for NO reason they all jack up the rates if not after 6 month to 1 year renewal, but soon after that astounding higher and NO claims NO changes.

I think USAA does not do unless in military at least that is what the agent told me who sold USAA insurance and parents do not count has to be you in the military.  Am going bankrupt here shelling out especially on autos over 2700 per year on autos alone every 50-75 dollar savings surely helps.  It may not sound like much to some, but that quote on cycle should be honored have it in writing with Progressive NOT going up 7 days later to 62 bucks more total.  If they cannot honor the rate given to me on August 5th due August 12th renewal date, then they can F off mailing me a day or two later received on August 11th this Saturday the declaration page indicating that the rates changed ON ALL cycles especially that one from around 104 or so to 264 from last year to this year same exact coverage, everything else the same exact also.  Makes NO common sense at all a 250% rate increase ON ONE Fricking cycle.

Plus,  is BS to hang up on me twice ON HOLD and NOT calling me back being civilized with 2 of the 3 reps who said will be placed on hold to see if they can see anything different.  Personally,  I think going on the winter layaway policy making ANY changes to the cycles for 5 months of the year unable to drive them gives them an excuse to jack up the rates next renewal to recoupe the savings they gave me for 5 months of the winter season.  I bet 99% sure if NO changes EVER made, the renewal rate would stay nearly the same.

If this keeps up,  I will have to sell 3 of the cycles not driven much but 1 of those 3 is a Valk.     The problem is none of the valks are out of line, ONLY that ONE cycle that jacked up 104 to 264 upon renewal same coverages, etc.   Even if I sold those 3,  I priced out Progressive online and stays about the same still in pricing which is beyond my rational thinking.   

[shadowsoftime]

I went to school with my agent 12 years, OHWELL, takes care of me.

[cookiedough]

I went to school with my agent 12 years, OHWELL, takes care of me.

good for you an insurance agent who actually does his job well, hard to find anywhere now.  I even asked Progressive if they are giving any discounts for Covid 19 but said only to those making monthly payments vs. paid in full discount and even those making monthly payment NO discounts ONLY extensions on paying the full montly pymts. is all.  I hear Allstate and others are giving refunds for those affected by Covid 19 which I would think is most of us in some form or another.  So,  Allstate might be the way to go this time this year since last year was within 100 bucks of Progressive with the discount for covid 19 might be cheaper than progressive now, will see soon? 

I would for ONCE like to see any insurance company have any common sense and reward those that stick with the same company like after 1 year give 10% discount,  after 3 years,  15%, after 5 years 20% discount maxes out at that.  I now State Farm does that longer you stay, the bigger discount savings,  but their initial premium price when called last year was way out of line. 

[shadowsoftime]

I went to school with my agent 12 years, OHWELL, takes care of me.

good for you an insurance agent who actually does his job well, hard to find anywhere now.  I even asked Progressive if they are giving any discounts for Covid 19 but said only to those making monthly payments vs. paid in full discount and even those making monthly payment NO discounts ONLY extensions on paying the full montly pymts. is all.  I hear Allstate and others are giving refunds for those affected by Covid 19 which I would think is most of us in some form or another.  So,  Allstate might be the way to go this time this year since last year was within 100 bucks of Progressive with the discount for covid 19 might be cheaper than progressive now, will see soon? 

I would for ONCE like to see any insurance company have any common sense and reward those that stick with the same company like after 1 year give 10% discount,  after 3 years,  15%, after 5 years 20% discount maxes out at that.  I now State Farm does that longer you stay, the bigger discount savings,  but their initial premium price when called last year was way out of line. 

I'm not talking State Farm--- Farmers Ins