Anyone with Progressive

[trout dude]

I just received my bill from Progressive for the year.  I had 3 valks with them last billing cycle and two this billing cycle and it went up over a $100 with one less bike.  When i called and asked about the pricing i was told it was a increase because we where riding GL1500 Valkyries. I was just wanting to know if anyone else heard this also or was they just blowing smoke.
Thanks Dennis

[mark81]

I carry liability only and when I added my valk to the policy with the cb750c it went up $9 for the year. I only had to pay an additional $7 due to it being a few months into the policy. every year it goes up a few $$ because they can.  my last renewal in feb was $137 for both bikes

[cookiedough]

that is NUTS and horrible and totally wrong explanation NO way can it go up 100 more bucks by decreasing from 3 to 2 Valks either.  I would get some answers but not likely to since all insurance companies are crooks.  Give them an inch and they will take a foot....

I do know the more vehicles or cycles you add to the same policy with Progressive, the other vehicles decrease in amounts owed as well with Progressive.  I had 3 vehicles and adding the 4th vehicle dropped the other 3 vehicles by 30 bucks each per 6 months.  Same way when I added a 4th cycle to the cycle policy, the othe 3 existing went down a tad each as well.

What I did get screwed on with Progressive is the hastle of using their snapshot device on 3 vehicles.  I SAVED a whopping 15% off EACH vehicle for 6 fricking months by driving like an old man NO hard braking, NO jack rabbit starts, etc, etc. to save that much which was AWESOME.  Well, Progressive screwed me big time thinking NEXT renewal the rates would go up slightly like they always do but NOT 15%.  Guess what, the rate increase went up 14% ONLY saving me a few bucks is all really pissing me off.  Wanna bet if I did not use snapshot, the next renewal would NOT have gone up 14%, more like 4-7% or so is all. 

Man, that pissed me off to get so screwed with Progressive snapshot device monitoring.    I cannot complain though with my cycles all full coverage EXCEPT no medical payments and the most expensive being the 2001 VAlk I/S is only like 70 bucks every 1 full year of coverage.   

[ridingron]

I had Progressive. 6 bikes of varying CC and brands for almost 20 years. It was about $600 a year. I quit riding for a little over a year. Then I insured 1 bike,  '99 Honda ST1100. It was a little over $600. I won't use them again.

They gotta pay Flo some how.

[cookiedough]

I had Progressive. 6 bikes of varying CC and brands for almost 20 years. It was about $600 a year. I quit riding for a little over a year. Then I insured 1 bike,  '99 Honda ST1100. It was a little over $600. I won't use them again.

They gotta pay Flo some how.

I think a lot of it with insurance companies varies from state to state and I will NEVER EVER figure out how they can justify from one renewal to the next to jack up the rates for NO good reason say 20%.  I have switched 3 times in 3 years for some companies like to do the old bait and switch reeling you in first 6 months (or 1 year) with very good rates, the next renewal they screw the pooch.     

If State Farm or Allstate and others were cheaper upfront, I hear they do the right thing rewarding their customers who stay LONGEVITY wise by giving a percentage discount the longer you stay or a refund check for safe driving no claims.  That is how insurance companies should treat their loyal paying customers who do not file claims very often.  My neighbor has Allstate and I use to have Allstate as well convincing him to switch to Allstate since back over 5 years ago they were cheaper, but now that he is on with Allstate,  he keeps getting into his at fault accidents once every 3-4 years and he greatly enjoys his just barely 'accident forgiveness' since he used that benefit up a lot the past 10 or so years with no drastic rate increases.  one more accident in next 2 years or so though and can see his rates go up since no accident forgiveness available to him right now.  His entire family of 4 do not have very good drivers each one has gotten into an accident in past 10 years and I refuse to be in his car if he is driving it..

[Hooter]

Once, and never again! The crap I went through when I was on my accident was unnecessary.  It all began with an adjuster that didn't have a clue. Any insurance company is good until you need them.

[Jess from VA]

My Geico bike insurance just went down, again.

I only carry low liability and uninsured motorists.

I guess it's because my bikes and I are getting old.  That, and I've never had a claim in 42 years (not all with them).

It's kind of insulting if they're thinking I'm too old to be a risk to anyone.

Maybe I should take a picture of my bike with me kneeling beside it, and send it in.

[..]

Nationwide bumped up $49 this year.

I got Progressive for $48 cheaper than my current premium.

For good insurance I'm now paying $380.

Always pays to shop every year. 

[scooperhsd]

I have been with State Farm since I started driving (1974). I freely admit I had issues early, but at this point - I've been with them so long they will not ever cancel on me. we use them for all vehicles ( 3 cars and the motorcycles), home insurance, and a few misc. insurances. I couldn't even tell you what I'm paying....

Hah ! - asked wife - turns out State Farm had just sent us a summary of what we pay them / month -

"New car" - $66
"My car" - $35
"old car" (only what is required to drive) - $20
Valk - $25

couple other non-vehicle insurance plans

[Serk]

Been with Progressive (Via USAA) for the bikes since I bought the Valk in 2000... Just checked, and full coverage + TONS of uninsured/underinsured drivers coverage (That's almost mandatory with the number of illegals we have around here) added on, on the Valk and the ST1300 for the spousal unit and myself is $335 a year.

Renewal is up in a few months, we'll see if they try to jack it up on me, if so time to shop around...

[msb]

Just to make those of you who feel like you're being overcharged for bike insurance feel a little bit better, the best premium available for me for this year was 1400.00 in total....for my ONE bike. Albeit with full coverage including "uninsured motorists' protection" and a couple thousand $$ added value for accessories. This is with  a 42 year history of zero claims since I started riding and a special discount for 15 years' experience on a large displacement MC. This is why my beloved Interstate gets 100% of my attention...no messing around with a 2nd bike....

To answer your initial question Dennis, yes I am still with the "Progressive" shocks I purchased from you last year and they are just fine, thank you

[Jess from VA]

Crap!!!! That is just highway robbery. 

No gun, just Govt compulsion.

On bikes (always solo), I'd carry no insurance at all, if I couldn't be charged with an offense. 

[msb]

Crap!!!! That is just highway robbery. 

No gun, just Govt compulsion.

On bikes (always solo), I'd carry no insurance at all, if I couldn't be charged with an offense. 

The basic madatory insurance with 3rd party liability is government... the rest is available privately.  Experienced riders with good records can shop around to private companies and get very good packages for comprehensive, theft, etc to add to that mandated coverage at a reasonable rate, which is what I have.
There has been attempts in BC in the past to lobby for dual bike coverage for the government portion ( based on the highest value bike). Can only ride one at a time after all . Doubt it will ever happen though.... it just makes too much sense...

[cookiedough]

Well get this one with Progressive, just called tonight since going to buy another 98 Valkryie standard added onto my policy already have a 2001 Valkyrie I/S and 2 other cycles.  Not a big deal, but the 98 Valkyrie standard is 8 bucks more per year than the 2001 Valkyrie Interstate?  That is weird right? I said to her same EXACT bike but 98 has no top trunk and no fairing/speaker system, etc. and valued at least 3 grand less in value asking her how can Progressive justify it costing 8 bucks more per year when in fact it should be less.  I asked for a breakdown and un and underinsured was higher on the 98 vs. 2001 but the collision was less on the 98 std. vs. 2001 I/S which makes NO sense to me at all. 

this gets worse and even weirder, get this:  Progressive in WI ONLY limits their cycle/ATV/recreational vehicles to a limit of ONLY 4 per policy vs. car insurance unlimited number of vehicles.  So, when I add the 98 Valkyrie tomorrow if I buy it which I probably will, I have to write a whole new policy for my 250cc scooter since will be 5 cycles technically, them only allowing 4 cycles on one policy which is stupid.  I will pick the cheapest one being my 250cc scooter for stand alone policy.  Progressive quoted me stand alone 75 bucks per year for lowest level of coverage on the 250cc scooter which is the cheapest they can insure having a 75 dollar low limit.  Guess what,  that $75 per year on 1200 dollar 250cc scooter is 10 bucks higher being 65 per year on my 2001 VAlkyrie Interstate valued at top end 7 grand on the 4 cycle policy with same coverage limits.  How can a single cylinder 300lb. scooter (technically a cycle since over 50cc)  be higher priced than an 800lb. Valkyrie I/S valued at near 7x''s the value? 

This proves that Progressive insurance rating is screwed up beyond common sense and I told the lady that on the phone tonight as well.  She said it is what it is and cannot change anything.  I quit a long time ago trying to explain with common sense on ANY insurance company and how they figure rates on any vehicles whatsoever. 

How much you wanna bet when my Jan. 1, 2018 renewal comes about,  I will be in the same boat as you and the rates will GO THRU THE ROOF, WANNA BET??????   I know I have it cheap since 65 per year on a 2001 Valk I/S is dirt cheap full coverage, but having 4, now soon 5 cycles, if the trend continues will not be able to keep all cycles since insurance is going up it seems like all over...

The days of staying with one company for life is long gone if insurance companies keep screwing people over.

[cookiedough]

Just to make those of you who feel like you're being overcharged for bike insurance feel a little bit better, the best premium available for me for this year was 1400.00 in total....for my ONE bike. Albeit with full coverage including "uninsured motorists' protection" and a couple thousand $$ added value for accessories. This is with  a 42 year history of zero claims since I started riding and a special discount for 15 years' experience on a large displacement MC. This is why my beloved Interstate gets 100% of my attention...no messing around with a 2nd bike....

To answer your initial question Dennis, yes I am still with the "Progressive" shocks I purchased from you last year and they are just fine, thank you

If my insurance was 1400 per year on ONLY one cycle, I too would only be riding one cycle, probably NONE in all honesty at that INSANE price - what a ripoff!   

Heck, I pay a little over 1000 bucks on 4 vehicles every 6 months and I think that is enough.. 

[cookiedough]

I had Progressive. 6 bikes of varying CC and brands for almost 20 years. It was about $600 a year. I quit riding for a little over a year. Then I insured 1 bike,  '99 Honda ST1100. It was a little over $600. I won't use them again.

They gotta pay Flo some how.

agree,   6 bikes for 600 now only one bike for 600.  Progressive does not make any sense at all..

Plus, why can you insure 6 bikes with Progressive in your state while in WI Progressive only allows 4 bikes and then having to screw the pooch adding another policy for just one bike??  Just another way that Progressive makes money on us folks....  they can insure NO limit on vehicles in WI can have 100 cars on one policy, so why only 4 cycles???  The people in charge of Progressive surely lacks common sense who rights these policies..

[Hooter]

Lotsa nasty weather has happened down south.  Who do we think is going to pay for Progressives loss / problems?  We are.

[threevalks]

I have been with State Farm since I started driving (1974). I freely admit I had issues early, but at this point - I've been with them so long they will not ever cancel on me. we use them for all vehicles ( 3 cars and the motorcycles), home insurance, and a few misc. insurances. I couldn't even tell you what I'm paying....

Hah ! - asked wife - turns out State Farm had just sent us a summary of what we pay them / month -

"New car" - $66
"My car" - $35
"old car" (only what is required to drive) - $20
Valk - $25

couple other non-vehicle insurance plans

Is that per year?

[scooperhsd]

I have been with State Farm since I started driving (1974). I freely admit I had issues early, but at this point - I've been with them so long they will not ever cancel on me. we use them for all vehicles ( 3 cars and the motorcycles), home insurance, and a few misc. insurances. I couldn't even tell you what I'm paying....

Hah ! - asked wife - turns out State Farm had just sent us a summary of what we pay them / month -

"New car" - $66
"My car" - $35
"old car" (only what is required to drive) - $20
Valk - $25

couple other non-vehicle insurance plans

Is that per year?

Each vehicle is per month -

[Oss]

with Maximum SUM coverage and liability, collision etc on the two bikes is 480 for the Valk and 436 for beemer.   SUM coverage is 500k  500 deductible   This is after all, NY metro area.

I wont give up the SUM to save a few hundred as it is really just about the only part of the insurance to protect myself and my family from a driver who hurts me and has no or insufficient coverage.

You cant get max SUM without paying max Liability first.


Progressive has always provided me the bike coverage and they did right by me when the 1st Valk was totalled    They also paid for my tow in DesMoines with no problem (but not the replacement tire)