$622.00

[Hooter]

    Just got a bill from my insurance company on the Valkyrie. For the year, $622.00. WTH are they thinking?! Time to shop. Progressive, no way. Dealt with them when I got hit 10 years ago, what a goat ropin that was. Like I said, time to shop.

[3fan4life]

    Just got a bill from my insurance company on the Valkyrie. For the year, $622.00. WTH are they thinking?! Time to shop. Progressive, no way. Dealt with them when I got hit 10 years ago, what a goat ropin that was. Like I said, time to shop.

GEICO just raised my rate big time.

I'm looking to go to USAA since that is where my auto is now.

USAA's bike insurance is through Progressive.

I had them before GEICO but not through USAA.

I've never had a MC claim with either one, did have an auto claim with GEICO without too much hassle.

What was your issue with Progressive?

[wiggydotcom]

Hooter, since you are in Michigan, did you try American Family out of Madison, Wisconsin?

When I hit the deer and totaled Interstate #2, I was very happy with my settlement with Progressive, after their initial lowball.
But when it came time to insure the F6b, the rate was way higher than the Valk. When I asked them why, they said it was because of the bigger motor. Really, 300cc difference?

So I asked AmFam, who I have on my house and cars and their quote was for $227.20 for the year. That's with 100/300 coverage, Comp, Uninsured and Underinsured coverages and towing on my F6b.

They blew Progressive out of the water.

Bodily Injury Liability:   $100,000 Per Person
$300,000 Per Occurrence
Customization:   $3,000 Included Limit
Underinsured Motorist - Bodily Injury:   $100,000 Per Person
$300,000 Per Accident
Uninsured Motorist - Bodily Injury:   $100,000 Per Person
$300,000 Per Accident
Safety Apparel:   $1,000 Included Limit
Property Damage Liability:   $100,000 Per Occurrence
Additional Policy Coverage Information
Liability Coverage for Rented Cycles

Btw, not trying to sound like a smart ass, but the ONLY way to compare policies is to compare apples to apples. That's why I put my coverage limits for you to see. To hear someone say they have "FULL COVERAGE" means absolutely nothing. You need to see the coverages and limits. Even then, policies can be priced radically different due to geographical differences.

[Gavin_Sons]

i just went to mine online and maxed everything out the most i can get and still didn't come close to 622. It was 422 a year. Sounds like you are getting screwed. Right now i'm paying 192 a year with progressive. I just gave them my old policy from Indiana farm bureau and they matched it. I don't know just what i have always had. Maybe i should up my coverage a little?

[Hooter]

Bike I was on when I got hit booked out at $16,500. Estimate to fix was $14,700. Frame was bent and there wasn't a part on the bike without a dent or road rash. I got hit in the ass and the rear wheel was touching the transmission. I was in first gear with the clutch in and they ( ) figure the guy hit me doing 65 or so. I was doin about 10 MPH.

Of course when he hit me I was blown straight back off the bike into his hood and grill. It's obvious I let the clutch out.  Then he dragged the bike under his truck for about 25'. What did it do to the motor and Transmission? The dealership immediately said it was totaled.

When I got out of the hospital I met the adjuster at the dealership with the maintenence boss. This guy looked the bike over and came up with the numbers I mentioned.  When the adjuster came back in and said they were going to fix it. I along with the maintenance boss told him he was nuts. I argued with him but it was futile.  They fixed it. After it was done I got a call  from the dealership .

I met again with the adjuster and maintenance boss to go over the bike. The adjuster said: there you go. I said no, there you go. This bike was run over from the rear at high speed. I don't trust the motor or transmission, and that's all that remained from my original bike. He told me I had to sign off on the bike. I told him no way.

He had been told the bike was junk by myself and maintenance and he fixed it anyway.  He wanted to argue. I  told him if he liked it that much he could take it home. He said : I hate motorcycles and bikers in general. I told him to stick the bike in his ass and walked out. That was my first and last dealings with progressive. Sorry bout the long story.

[Fazer]

I received a solicitation from a company called Markel--claim to have good rates and you can add coverage you want.  I am not moving from Westfield, but if their rates and service match their literature, may be worth a look.  I would certainly google them for any complaints before signing up.

[crash1980]

I started with GEICO, but after I took a MSF course and joined the AMA, I got great discounts with NationWide and that is who I plan to stick with unless they start really jack the rates up.  Not a bad experience with GEICO, just a better rate.

[Jess from VA]

Hooter, I'm sure you can do better..... but MI is not a vehicle insurance friendly state, at all.  

I just cherry picked this at the top of my search. (only cars/trucks)

The 10 states the study determined as having the highest annual auto insurance rates are:
    
    Louisiana: $2,536
    Oklahoma: $2,047
    Michigan: $2,013
    West Virginia: $2,002
    Washington, D.C.: $1,866
    Montana: $1,856
    Rhode Island: $1,830
    Wyoming: $1,732
    California: $1,709
    Georgia: $1,694

Back in '70, my MI insurance for a bike was like $28.50 for 6 months.  Course, that ins and all bike insurance since then has only been low liability and uninsured motorists.  I've never carried full coverage, even on a brand new bike.  And I've never had or needed a claim either.

[Hooter]

Thanks guys...good info Jess. It's very true, insurance here is a bit tough not unlike where you are at.  Shopping like I said is what I'm into now.

[Atl-Jerry]

I've been with Markel since I bought the IS in June 2000, I think I pay about $125 a year, but it's in that range.  Several here have reported o be with Markel over the years.  When I had the black IS, it was 1 or 2 dollars a year less than my blue and gray IS, they attributed it to the slightly more expensive 2 tone paint.

[3fan4life]

Bike I was on when I got hit booked out at $16,500. Estimate to fix was $14,700. Frame was bent and there wasn't a part on the bike without a dent or road rash. I got hit in the ass and the rear wheel was touching the transmission. I was in first gear with the clutch in and they ( ) figure the guy hit me doing 65 or so. I was doin about 10 MPH.

Of course when he hit me I was blown straight back off the bike into his hood and grill. It's obvious I let the clutch out.  Then he dragged the bike under his truck for about 25'. What did it do to the motor and Transmission? The dealership immediately said it was totaled.

When I got out of the hospital I met the adjuster at the dealership with the maintenence boss. This guy looked the bike over and came up with the numbers I mentioned.  When the adjuster came back in and said they were going to fix it. I along with the maintenance boss told him he was nuts. I argued with him but it was futile.  They fixed it. After it was done I got a call  from the dealership .

I met again with the adjuster and maintenance boss to go over the bike. The adjuster said: there you go. I said no, there you go. This bike was run over from the rear at high speed. I don't trust the motor or transmission, and that's all that remained from my original bike. He told me I had to sign off on the bike. I told him no way.

He had been told the bike was junk by myself and maintenance and he fixed it anyway.  He wanted to argue. I  told him if he liked it that much he could take it home. He said : I hate motorcycles and bikers in general. I told him to stick the bike in his ass and walked out. That was my first and last dealings with progressive. Sorry bout the long story.

So, was Progressive your insurance company or the guy's that hit you?

It does make a difference.

In VA if the damages total 70% or more of the vehicles value then the insurance company MUST total loss it.

I thought that most states had similar laws, but that must not be the case.


One thing that I don't understand is Michigan's "No Fault" law.

It doesn't make sense to me that someone else could damage your vehicle and you have to pay for it.

[Jess from VA]

One thing that I don't understand is Michigan's "No Fault" law.

Like many government programs (way too many), no-fault insurance started out with good intentions and high hopes, but the socialists used it to collect money and even out the playing field.

The idea that most of the thousands of collusive and fraudulent claims by A against B would go away when it was just A against A was a good idea, but they fumbled the ball along the way.  Bless their hearts.  

[Hooter]

Progressive was my insurance. I'm sure there are others here that have had positive results with them. It wasn't my case.

[Skinhead]

Part of the high cost in MI is due to the MCCA, MI Catastrophic Claims Assoc.  They are an unregulated entity that controls the catastrophic claims fund, which basically provides a lifetime of benefits if you are injured to the point that you require care for the rest of your life.   The fee for this is $170 per year per vehicle on your insurance.  That in itself is wrong as you can only drive one vehicle at a time.  The fee, if assessed should be on your license.  I have 2 cars and 2 motorcycles, that is $680 in MCCA fees, IN ADDITION TO THE INSURANCE PREMIUM.

[longrider]

Speaking of insurance.  Here in the great liberal republic if British Columbia Canada with no fault insurance the cost for basic liability is $800 for 6 months, 1200 per year.  Then add on theft or collision.  Wife and I both ride.   Another government tax grab

[Beardo]

Speaking of insurance.  Here in the great liberal republic if British Columbia Canada with no fault insurance the cost for basic liability is $800 for 6 months, 1200 per year.  Then add on theft or collision.  Wife and I both ride.   Another government tax grab

$1592/year for my valk for complete coverage, $700 deductible. Then I pay another $150 for a package policy that covers my winter storage and gets my deductible down to $200. . Never been in an accident, clean driving record for 26 years.

Luckily, we can only ride for half the year, so it doesn't actually cost that much. 

The bright side is in 11 more years(30 yr old vehicle), I can register it an an antique for $150/year. But then that only gets you $800 in maximum coverage (with a deductible of $500). 

[cookiedough]

that seems CRAZY high in MI vs. here in WI.

I have same coverage as you with Progressive just got another cycle last week,  a 1997 honda magna,  2008 kymco peopleS250 scooter, and a 2001 Valk I/S and my premiums full year coverage is ONLY 177 bucks per year total for all 3 combined.   I am covered full spectrum being single cylinder 249cc,  748cc 4 cylinder, and 1520cc 6 cylinder all CARBS.    You notice NO V-twins, except for my 2 Can Am 500 and 800cc ATV's which are also fuel injected.

Something HAS to be wrong.  Did you have a recent claim against you causing your rates to go way up?  I have never filed a claim EVER in over 30 years of driving accident free, knock on wood..

YES,  time to shop around.  That over 600 per year premiums is way too high.  My Valk I/S is around 85 of that 177 rate.  Progressive did tell me over the phone if ONLY one cycle, the mininum here in WI has to be a mininum 100 dollar per year policy but the more cycles/atvs you add to the policy the cheaper the other 2 will be.  

Once my 16 year old gets his regular cycle license in May to drive that 97 magna (or 250cc scooter),  it goes up to only 240 bucks vs. my 177 just for me now.  He is going for his cycle temps for the written test tomorrow night and will start him out for over 1 month just on the scooter for now since he needs to get the basics down before learning the clutch/gas/shifter system, plus I swear that 97 magna being 300 lbs. lighter is MUCH FASTER than my Valkyrie from say 0-65 mph with MUCH higher rpms revving the heck out of it - likes to REV HIGH.  

I swear if I wanted to,  that little 97 magna will outrun most 600cc sport bikes.  I had it up in 2nd gear doing over 50 mph and 3rd gear easily over 70 mph and still had plenty to go before redlining at 9700 rpms.  Running 4th gear on hwy is 5K rpms  which is perfectly fine with 5th gear around 4000 rpms.

[ridingron]

I had Progressive Insurance. During the Ford Explorer rollover/ BF Goodrich (?) tire controversy era I had a small mishap. The agent showed up driving, yes, an Explorer. I mentioned I couldn't believe an insurance company would put their people on the road in an Explorer. He nodded his head and mumbled "You would think not but yet here I am." My claim turned out OK but he was a motorcycle claims agent only.

[Jersey mike]

Hooter, since you are in Michigan, did you try American Family out of Madison, Wisconsin?

When I hit the deer and totaled Interstate #2, I was very happy with my settlement with Progressive, after their initial lowball.
But when it came time to insure the F6b, the rate was way higher than the Valk. When I asked them why, they said it was because of the bigger motor. Really, 300cc difference?

So I asked AmFam, who I have on my house and cars and their quote was for $227.20 for the year. That's with 100/300 coverage, Comp, Uninsured and Underinsured coverages and towing on my F6b.

They blew Progressive out of the water.

Bodily Injury Liability:   $100,000 Per Person
$300,000 Per Occurrence
Customization:   $3,000 Included Limit
Underinsured Motorist - Bodily Injury:   $100,000 Per Person
$300,000 Per Accident
Uninsured Motorist - Bodily Injury:   $100,000 Per Person
$300,000 Per Accident
Safety Apparel:   $1,000 Included Limit
Property Damage Liability:   $100,000 Per Occurrence
Additional Policy Coverage Information
Liability Coverage for Rented Cycles

Btw, not trying to sound like a smart ass, but the ONLY way to compare policies is to compare apples to apples. That's why I put my coverage limits for you to see. To hear someone say they have "FULL COVERAGE" means absolutely nothing. You need to see the coverages and limits. Even then, policies can be priced radically different due to geographical differences.

an apples to apples comparison is so very important.

one thing I'd like to add though is, when in an accident how well did your insurance company care for you if you were injured.

did they fight you every step of the way when it came to doctors bills?

did they start to subject you to IME's (independent medical examinations) after a period of time so they can decide if you still need medical care or if you've reached "your maximum level of recovery"(sorry I don't recall the correct legal medical jargon for this) so they can cut you off from further care.

it's something that always gets under my skin when I see insurance commercials about how low their rates are and the people always talk about the damage to their vehicles and how well the company took care of the vehicle or helped replace it but never about the medical care.

[John Schmidt]

I received a solicitation from a company called Markel--claim to have good rates and you can add coverage you want.  I am not moving from Westfield, but if their rates and service match their literature, may be worth a look.  I would certainly google them for any complaints before signing up.

Good company, I've had them long enough so I no longer have a deductible. My new bill as of Jan. 30, 2017.....$136.00. My coverage pretty much matches Wiggy's, plus I have an extra $5k for add-ons.

[Reb]

Insurance companies are crooks,

I usually shop around every 6 months. As soon as my rates go up I start looking elsewhere. Believe it or not I've had the best luck with local small companies that only service certain areas or states.

When I lived in Illinois I had Country Financial Insurance (Cheapest motorcycle and auto insurance I've ever had) They had to cancel me when moving to Iowa as they only service Illinois residents.

When I purchased my home, the real shopping began for umbrella coverage. I went to the top larger companies in USAA, Geico, Progressive, Farmers, etc.

The best quotes I got was through Liberty Mutual. The motorcycle insurance is the highest I paid but they were 700-800$ a year cheaper for home insurance compared to everyone else. If you threaten and make them compete, they will usually come down in price to match someone else.

[..]

As I've previously written on this forum make sure you have FULL replacement value for accessories OTHERWISE you will be paid at ACV which means actual cash value and you will get about 20 - 30% of full replacement value.

So go read the fine print very carefully.

My insurance went up about $40. I phone in and asked why. "Because of an increase in accidents and claims in your area".

[Rams]

    Just got a bill from my insurance company on the Valkyrie. For the year, $622.00. WTH are they thinking?! Time to shop. Progressive, no way. Dealt with them when I got hit 10 years ago, what a goat ropin that was. Like I said, time to shop.

GEICO just raised my rate big time.

I'm looking to go to USAA since that is where my auto is now.

USAA's bike insurance is through Progressive.

I had them before GEICO but not through USAA.

I've never had a MC claim with either one, did have an auto claim with GEICO without too much hassle.

What was your issue with Progressive?

USAA will not ensure your Valkyrie or any other bike over 800 cc (I think that's the limit).   They sent me to Progressive.

[sutterhome]

Markel 1 yr liability only 65 per year illinois..had them you years

[wiggydotcom]

As I've previously written on this forum make sure you have FULL replacement value for accessories OTHERWISE you will be paid at ACV which means actual cash value and you will get about 20 - 30% of full replacement value.

So go read the fine print very carefully.

My insurance went up about $40. I phone in and asked why. "Because of an increase in accidents and claims in your area".

You're right Brit about full replacement value coverage on accessories. On my new F6b, I haven't gone over the standard threshold of 3,000. But that clause on my previous policy with Progressive was the reason I got paid 11,700 for my 16 yr old Interstate with 83,000 miles on it----instead of about 6700, which was the final settlement on the bike itself.  I got paid 5 grand just for my accessories alone.

[Gavin_Sons]

I have actual cash value plus 5k in accessories for 182 a year after looking over my policy. And $250 deductible.

[cookiedough]

Insurance companies are crooks,

I usually shop around every 6 months. As soon as my rates go up I start looking elsewhere. Believe it or not I've had the best luck with local small companies that only service certain areas or states.

When I lived in Illinois I had Country Financial Insurance (Cheapest motorcycle and auto insurance I've ever had) They had to cancel me when moving to Iowa as they only service Illinois residents.

When I purchased my home, the real shopping began for umbrella coverage. I went to the top larger companies in USAA, Geico, Progressive, Farmers, etc.

The best quotes I got was through Liberty Mutual. The motorcycle insurance is the highest I paid but they were 700-800$ a year cheaper for home insurance compared to everyone else. If you threaten and make them compete, they will usually come down in price to match someone else.

700-800 cheaper per year for home insurance???  What mansion you live in REB?  My home with my local mutual insurance company is only 385 bucks per year for around 170K replacement value.   Most other insurance companies want 450 on up per year for my small 1104 sq. foot ranch home.   

 

[Big Rig]

    Just got a bill from my insurance company on the Valkyrie. For the year, $622.00. WTH are they thinking?! Time to shop. Progressive, no way. Dealt with them when I got hit 10 years ago, what a goat ropin that was. Like I said, time to shop.

GEICO just raised my rate big time.

I'm looking to go to USAA since that is where my auto is now.

USAA's bike insurance is through Progressive.

I had them before GEICO but not through USAA.

I've never had a MC claim with either one, did have an auto claim with GEICO without too much hassle.

What was your issue with Progressive?

I am a USAA member, bikes are insured thru them by Foremost, $299.00 this year. Lowest ever...Last year was $310 no change in coverage, just an older bike...

[Rams]

    Just got a bill from my insurance company on the Valkyrie. For the year, $622.00. WTH are they thinking?! Time to shop. Progressive, no way. Dealt with them when I got hit 10 years ago, what a goat ropin that was. Like I said, time to shop.

GEICO just raised my rate big time.

I'm looking to go to USAA since that is where my auto is now.

USAA's bike insurance is through Progressive.

I had them before GEICO but not through USAA.

I've never had a MC claim with either one, did have an auto claim with GEICO without too much hassle.

What was your issue with Progressive?

I am a USAA member, bikes are insured thru them by Foremost, $299.00 this year. Lowest ever...Last year was $310 no change in coverage, just an older bike...

Interesting, I also have USAA and they sent me to Progressive.   I wonder if it might be a state or regional thing?

[Jess from VA]

I wonder if it might be a state or regional thing?

It also might be a time thing. 

I know some years ago when I called USAA about bike ins, they said they laid all bike ins off on Progressive.  I told them I would never do any business with Progressive, and went with Geico.

USAA may have changed out to Foremost in the mean time.  I dunno.  I'd like to have all my ins with USAA, but I've now been with Geico (bikes only) for a long time.

It's all horsepoop anyhow, I'll never have a claim anyway (haven't so far in 47 years).  I only carry insurance (minimum liability and uninsured only) so the G can't charge me with a crime. 

That's no brag, just fact.   

[Bassfisher]

I also have USAA (35+ years), but they also sent me over to Progressive for my 3 bikes & my RV.  When I had my boat it was also through Progressive.   I cant complain with the rates (a little more than $400 a yr) for three bikes, (GW Trike, the Valk, and a V-star 1100), but I also have various coverages due to the ages of the bikes .   One day maybe Ill shop around, but right now I'm happy with what I'm paying (OK not happy I have to pay, but happy with the low rate I have)

[..]

Markel 1 yr liability only 65 per year illinois..had them you years

You are a braver man than me only having liability.

[sutterhome]

at my age if I go down I dont think Ill be wanting a replacement.

[Tailgate Tommy]

I have Foremost (a Farmers company). 2 Valkyries = $450 EACH/year for full coverage with a $500 deductible including extra medical insurance of ~$300,000. Accessories are at 20% if value. Not the best to deal with on a claim, but they did give me close to what I wanted.

[Bugslayer]

My insurance actually went down. 

Progressive full coverage went from $243 to $187. They said it was due to being a 10 year customer.

[3fan4life]

Just got a quote from Progressive through USAA for $615/yr.

That's for 5 bikes with full coverage on all of them.

GEICO was at $927/yr with lower liability limits and not all of the bikes had full coverage.

[cookiedough]

I wonder if it might be a state or regional thing?

It also might be a time thing. 

I know some years ago when I called USAA about bike ins, they said they laid all bike ins off on Progressive.  I told them I would never do any business with Progressive, and went with Geico.

USAA may have changed out to Foremost in the mean time.  I dunno.  I'd like to have all my ins with USAA, but I've now been with Geico (bikes only) for a long time.

It's all horsepoop anyhow, I'll never have a claim anyway (haven't so far in 47 years).  I only carry insurance (minimum liability and uninsured only) so the G can't charge me with a crime. 

That's no brag, just fact.   

I am same way, well almost.   NO claims in over 30 years on home or autos or cycles, etc.  I get the cheapest darn rate I can afford and always will.  Geico, Liberty Mutual,  Allstate,  GMAC, American Family, State Farm, Wadena/IMT,  Farmers, Progressive, are all ones I have used in past 20 or so years.  I keep switching until someone wakes the F up and does NOT raise my rates more than say 5% per year for NO valid reason other than just to say claim payouts in WI have gone up in the past year which is a TOTAL cop out and false in my book. 

I figure if insurance companies are NOT loyal to me for being a paying customer NO claims,  then I will NEVER be loyal to them and keep switching again and again.  State Farm rewards long time customers and so do others by reducing the rates for long time customers, but NOT until they jack up the rates soon after you sign up has been my scenario for NO good reason.  Liberty mutual was with 1 year, then Geico, now with Progressive all within last 2 years.  All crooks in my book until they prove me otherwise.  Quit raising my rates 15-20% upon 1st renewal suckering me in and I will stay with one eventually?

3 newer vehicles at around 300 per vehicle every 6 months and 3 cycles soon to be 240 total per year is enough for me at full coverages.  Insurances companies ask me if I want an umbrella policy, but that is even more costly yet so gotta get what you can afford.

[Jess Tolbirt]

i have dairyland/sentury

[franco6]

Can t complain with progressive exept for their commercials on tv. $480.00 a year, 3 bikes full coverage $250.00 deductible $5,00 in extras.+ they have been there twice now with a check within two days of reporting the incidents.

[cookiedough]

another thing with Progressive, and probably most other insurance companies, is if you live in the snow belt states of say MI, WI, MN, etc.  and no way going to drive any cycle from say Dec. 1 thru March 1st thru 30th,  you can suspend cycle insurance with Progressive and save some off your yearly policy as well. 

I called Progressive up and got a knowledgeable lady and she said all you have to do is call up the day you put your cycles under cover say in November stating not going to ride them any longer this season, then in March sometime (or early April?),  you call them back up same day you get the bikes out from under cover and going to ride them. 

Am guessing will not save you more than 50-100 bucks per year, but is still some savings.   I really do not understand how Progressive, and other insurance companies,  can be charging some of us in other states WAY too much vs. say me in WI having 3 cycles around 200 bucks per year full coverage on all 3 of them?  Progressive lady did say the bare mininum Progressive has to charge if ONLY ONE cycle is 100 bucks per year regardless of coverage, but adding 2 and then even 3 cycles GREATLY discounts/reduces the rates on all cycles.  Another good reason to add a 2nd or 3rd bike to your policy right??