Insurance

[mrule97334]

how much is everyone paying for insurance - mine just went up to 685 a year - up from 355 a year for an 03 shadow 750 ACE

[knarF]

how much is everyone paying for insurance - mine just went up to 685 a year - up from 355 a year for an 03 shadow 750 ACE

$468 ,,1 ticket ,,, less than 2 years with a "license".

[Jim and Colleen]

That seems awfully, awfully high.
Granted, I am in a small rural town and have excellent driving record, but I'm paying $450/yr for full coverage on a financed 03 1800. And lots of folks tell me I'm paying a lot more than they are.
Jim T

[Mac Daddy]

First year with PAID FOR 1800R and GL1200 85 Wing; $677.
This year About 400.00. I get several discounts, multiple bike, MSF/ ERC completion and a renewal with Geico.

So far i like it.

Jesse "Mac Daddy" McAbee

[Winter Lion]

I have full coverage on a paid for 2003 1300 retro through Progressive with a 500.00 deductible on comprehensive. No tickets. I pay 475.00 a year, that includes discount for owning my house and Honda Redline membership discount.

[knarF]

how much is everyone paying for insurance - mine just went up to 685 a year - up from 355 a year for an 03 shadow 750 ACE

I just re did mine and went thru Geico. $280 a year with towing and 500 deducts. it seems there lowering the rates a bit. It will probably be higher with an 1800 though. They go by CCs

[Winter Lion]

Thats amazing rate knarf. I will have to call them. Thnx.

[fubar606]

OK this is were it is a good thing to be 50 my ins. AARP for my 02 1800c and my wife 03 750ace full coverage,250 deductable ,road side,some medacal (spelling sucks) i have 35 yr riding wife 2 yr both have good records. no tickets =about 560.00 for the year :pepper1: for both i think thats pretty dam good

for you kids out there AARP is a 50 and older thing it is also great for car ins i saved about 800.00 a year and i was useing progerssive
let me know if this helps ya

[CRUZR]

Sorry for the length...
The last two weeks I have been shopping for insurance. The only way I can get the 400 to 500 buck range is to get nothing, well almost nothing, in coverage.

Geico will only insure the accessories up to 1/3 of the value of the bike and they don’t offer replacement value either. Just “blue book”.

Markel will not give me a quote with out having the bike taken to a dealer and have them complete a form listing the accessories and costs and take 4 pics, one from each side of the bike. This is due to all the accessories I guess. Then they will send the paperwork to the underwriters to see if they will insure it.

Farmers… can’t get anyone to answer from the national website. All they do is refer you to local offices in the area. I send emails with all the info and all I get from the local offices are emails telling about insurance in general, homeowners, auto… etc. Basically spam. Requested x 3 to each of 4 local offices.

The others that I have contacted will only cover $1000 or up to $3000 in accessories. I didn’t list them here or even answer their quotes, as I want real coverage.

The only one I have found that will cover all the accessories is Progressive and, have coarse, the most expensive.

I consider the following coverage’s minimal…
Bodily Injury, Property Damage and Guest Passenger Coverage $50,000 person/$100,000 accident/$25,000 property damage
Underinsured Motorists Coverage $50,000 person/$100,000 accident Underinsured Motorists Property Damage Coverage $25,000 property ($100 Deductible / $300 Deductible for Hit & Run)
Comprehensive Coverage $250 Deductible (or $500)
Collision Coverage $250 Deductible (or $500)
Custom Parts and Equipment Coverage Full Replacement (not the bike, just the accessories)
Roadside Assistance Coverage (similar to AAA, and usually only a few dollars)
Medical (this the one that pays no matter who is at fault and is really just to cover the deductibles on your own health insurance for the driver, usually $1000, 2500, or $5000, the passenger, not the driver, is covered as listed above (most insurance is this way, including Progressive).

I am 50, have been riding and licensed since ’75 or ‘76 ish, no tickets in the last 7-8 years, and no accidents for 20+ years. Paid cash for the bike so not financed. But I can’t find a “great” price. And the only good coverage is from Progressive for $$$.

Geico was $600 but only $3500 in accessories only bare/minimal coverage (not as listed above).
Progressive was $1200 with all of the above coverage’s and 1 discount for belonging to Honda club. (If I owned a house I would get a $300 deduction, they stated there were no other discounts available.) These are not good prices.

So people, what coverage’s do you all have with these great prices?

Thanx,
Gary
http://scherler.us/vtx_1800_s.htm

[fubar606]

i am telling you AARP i just looked at my quote .my ins with progressive is up the 29th of aug.pretty much everything you listed is covered .call this guy his name is jim voice 1-800-752-2461 think you will be suprised in a good way i was mistaken on my quote it is really 516.00 for the too bikes the whole year and covered pretty good call this guy

[tyreles]

Cruzer, I have Progressive with the exact coverages you listed. Been a Progressive customer 9 years with house,car m/c and motorhome policies I pay 618/year and live in Las Vegas!
I think it has a lot to do with the agent your with. Also have rental and gap insurance on my policies!!!
Les
I actually pay more for the car insurance /year becuase my wife is on the policy!

[SixFTMoose]

I have the 1800C and I'm with Geico, Franks right they are cheaper I pay $289 year full coverage.

[fubar606]

i am telling you AARP i just looked at my quote .my ins with progressive is up the 29th of aug.pretty much everything you listed is covered .call this guy his name is jim voice 1-800-752-2461 think you will be suprised in a good way i was mistaken on my quote it is really 516.00 for the too bikes the whole year and covered pretty good call this guy

well i stand corrected! just call Geico and your right! my full coverage for both of my bikes (vtx1800c,750Ace) with progressive is 685.00 per year. to my surprise :shock: the same coverage less road side service with Geico is 379.00 learn something new every day 8)

[BlueFalcon]

I have Progressive insurance. It's $339 for me on my 1800R and $252 for my wife on her V-Star 1100. Total $591 for the two of us per year.

[farmguy/ Dale]

Progressive here, $230 a year plus towing addons, wife listed as second driver, no tickets and I did it all online.