Insurance Issue - Chicagoland Sportbikes
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post #1 of 31 (permalink) Old 07-28-2006, 05:33 PM Thread Starter
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Insurance Issue

ok so has anyone else run into this problem. i recently had my bike stolen - it's kinda known now - and i'm now in the process of browsing for a new one. as i'm looking into getting an '06 i figured it would be wise to get a quote from my insurance company - state farm. so i call them up, give them the info and 5 mins later they call me back and tell me they can't give me a quote. i'm like...ah, ok. y? turns out they can't give me a quote bc i don't have my car insured with them. i'm like...I ALREADY HAVE A FUCKING POLICY WITH YOU GUYS. and it's just the bike. the girl is like i know...it's just our policy. you cna't get a quote or insure a bike unless you have a car insured with us as well, i don't know how you got yours insured in the first place.

What the FUCK!!!!

in the end it really doesn't matter besides the fact that i have to get a new company and probably pay more. great.

has this happened to anyone?

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post #2 of 31 (permalink) Old 07-28-2006, 05:38 PM
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I've heard of this happening before. It is the policy of state farm to only insure bikes as an additional vehicle. Some people have gotten bike only policies, only to have them canceled when someone from underwriting figures it out.
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post #3 of 31 (permalink) Old 07-28-2006, 05:39 PM
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you need a car policy to have a bike policy with state farm. I dont know how you got around that originally but it either it was a mistake, a fluke, or you had a car and dropped it.

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post #4 of 31 (permalink) Old 07-28-2006, 05:42 PM Thread Starter
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must have been a fluke. let's just hope this doesn't affect the process for getting my bike back or the money for it. what a pain in the ass. nothing like employees not knowing company policies.

#910

"if i close my mind in fear, please pry it open. if my face becomes sincere beware.
when i start to come undone, stitch me together.
when you see me stretched remind me of what left this outlaw torn."
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post #5 of 31 (permalink) Old 07-28-2006, 06:06 PM
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Yep. State farm told me i couldnt get motorcycle insurance becuase I have never had any car insured in the USA. They did not say that the car had to be insured with them - but they wanted me to have a car insured .

I went with Geico.
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post #6 of 31 (permalink) Old 07-28-2006, 06:10 PM
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I got my bike insured through them last year, no car or anything.

I changed it due to finding a cheaper deal.
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post #7 of 31 (permalink) Old 07-28-2006, 06:22 PM
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Quote:
Originally Posted by paintedblue
must have been a fluke. let's just hope this doesn't affect the process for getting my bike back or the money for it. what a pain in the ass. nothing like employees not knowing company policies.
I have State Farm and HAVE had a bike stolen while insured with them...and due to the way they handled the whole situation I have ZERO plans to go with anyone else. You get a discount on both anyways if you switch your car to their policy...I pay $139/month for full coverage on both my bike and car together. I probably could get my payments a little lower elsewhere, but my agent's customer service keeps me around. No complaints.

Tom

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post #8 of 31 (permalink) Old 07-28-2006, 07:59 PM
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Just take the car there also. Even if teh car is slightly higher with SF, you'll still pay less than trying to take the bike elsewhere.
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post #9 of 31 (permalink) Old 07-28-2006, 08:18 PM
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post #10 of 31 (permalink) Old 07-30-2006, 11:12 PM Thread Starter
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Quote:
Originally Posted by YZFRob
Just take the car there also. Even if teh car is slightly higher with SF, you'll still pay less than trying to take the bike elsewhere.
yeah right...they asked me about the car when i got the plan. it was a grand more then what i'm paying now. so even with having my car insured there and having the bike insurance cut in half it wasn't worth it.

#910

"if i close my mind in fear, please pry it open. if my face becomes sincere beware.
when i start to come undone, stitch me together.
when you see me stretched remind me of what left this outlaw torn."
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post #11 of 31 (permalink) Old 07-30-2006, 11:33 PM
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Mine was only 300/yr more than what I was paying at AF. But AF said they'd insure my YZF for $2800/yr. SF said $360/yr.
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post #12 of 31 (permalink) Old 07-31-2006, 12:43 AM
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Watch them say the policy was never active, it was a clerical error, and refund you only your premiums.

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post #13 of 31 (permalink) Old 07-31-2006, 01:07 PM
 
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I was just getting ready to start a thread about this...perfect timing.

Saturday I received a letter from State Farm telling me that my insurance is going to be canceled at the end of August because I failed to provide proof of Liability Insurance. Come to find out, they are cancelling my insurance because I do not have a car - even though I clearly stated (2x) that I did not have a car when I applied for insurance and have been insured for two months (since I bought the bike). So now I have to start shopping for ins.

WTF?
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post #14 of 31 (permalink) Old 07-31-2006, 01:21 PM
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Learned from Hurricane Andrew.. the only insurance company to trust is USAA.

Everyone Exaggerates

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post #15 of 31 (permalink) Old 07-31-2006, 01:25 PM
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Quote:
Originally Posted by LiterRR
I was just getting ready to start a thread about this...perfect timing.

Saturday I received a letter from State Farm telling me that my insurance is going to be canceled at the end of August because I failed to provide proof of Liability Insurance. Come to find out, they are cancelling my insurance because I do not have a car - even though I clearly stated (2x) that I did not have a car when I applied for insurance and have been insured for two months (since I bought the bike). So now I have to start shopping for ins.

WTF?
sounds like they're fixing a clerical error. they're policy has always been that you have to have a car with them to insure a bike.

Chris
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post #16 of 31 (permalink) Old 07-31-2006, 01:30 PM
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Quote:
Originally Posted by Arch
Learned from Hurricane Andrew.. the only insurance company to trust is USAA.

+1. The best company out there. Unfortunately they won't insure bikes anymore, unless you already have a bike policy with them.

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

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post #17 of 31 (permalink) Old 07-31-2006, 01:34 PM
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Quote:
Originally Posted by Chills
+1. The best company out there. Unfortunately they won't insure bikes anymore, unless you already have a bike policy with them.
... which I do

Everyone Exaggerates

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post #18 of 31 (permalink) Old 07-31-2006, 01:36 PM
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Off topic, but here is a question for when the insurance company asks how many CC's your bike is. Do you tell your insurance company your bike is 1000cc or 998cc or 988cc depending on the bike? Think that makes a difference in the quote? I said 998cc for mine...
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post #19 of 31 (permalink) Old 07-31-2006, 01:38 PM
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Be EXACT in every question you answer.

If they ask for CC's give them EXACT cc's.

Last thing you want is some jackass claim supervisor (who's job it is to SAVE the company money) pointing out you provided 'false' information.

Everyone Exaggerates

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post #20 of 31 (permalink) Old 07-31-2006, 01:38 PM
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why would I say 1000? my bike is 998, that's what I say.

Chris
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post #21 of 31 (permalink) Old 07-31-2006, 01:41 PM
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I completely agree. I was wondering if some of the people that get insane quotes are not supplying the correct information and are being quoted higher than they should be.

Oh and I have a great rate on my 998cc motorcycle through State Farm
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post #22 of 31 (permalink) Old 07-31-2006, 01:46 PM
 
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not looking too good... Geico wants $4200/yr and Progressive wants $7800/yr. State Farm was $1000/yr.

Is there anyone else from the downtown area that is getting a decent rate (not from State Farm)?

I don't have any violations or claims and am 29. I don't see why this is so freaking expensive.
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post #23 of 31 (permalink) Old 07-31-2006, 01:51 PM
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You should ask for prices on 600's and 750's... bike size is what's probably killing you.

I pay 269/year on the cbr600 w/ 300K/500K coverage and full comprehensive. Suburbs, but still.. bike size...

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post #24 of 31 (permalink) Old 07-31-2006, 01:52 PM
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Quote:
Originally Posted by LiterRR
not looking too good... Geico wants $4200/yr and Progressive wants $7800/yr. State Farm was $1000/yr.

Is there anyone else from the downtown area that is getting a decent rate (not from State Farm)?

I don't have any violations or claims and am 29. I don't see why this is so freaking expensive.
Jesus!!! What bike are you trying to insure??!!! 2400cc or what??!!???!!
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post #25 of 31 (permalink) Old 07-31-2006, 02:03 PM
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Quote the CC's directly from your registration card.


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post #26 of 31 (permalink) Old 07-31-2006, 02:03 PM
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I had the S4 and Warrior on State Farm without cars there. I changed it recently to Progressive. It was 250/year vs. the 250 dollars SF charged me for one month. They QUOTED 600 dollars a year, and CHARGED me 250 for one month policy.

I still have to cancel that policy. Progressive does bike only insurance, the cars are with Country, which is not available in Chicago.

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post #27 of 31 (permalink) Old 07-31-2006, 02:10 PM
 
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Quote:
Originally Posted by BLARNEY
Quote the CC's directly from your registration card.


Tom
All of the quotes have it listed as 998
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post #28 of 31 (permalink) Old 07-31-2006, 02:11 PM
 
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Quote:
Originally Posted by .:K2:.
Jesus!!! What bike are you trying to insure??!!! 2400cc or what??!!???!!

Just a 2006 1000RR...
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post #29 of 31 (permalink) Old 07-31-2006, 03:49 PM
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Quote:
Originally Posted by LiterRR
Just a 2006 1000RR...
liter, here is an idea. Go buy your self a 1982 Chevy Citation for $400, send the car to the metal scrappers, you only really need the title... get insurnace on it, liability only, state minimum and then you can stay with statefarm...

*edit* I don't know if you can actually send the car to the metal scrappers, you probably have to legally own the car.

<-- Chris

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post #30 of 31 (permalink) Old 09-12-2006, 06:00 PM Thread Starter
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Quote:
Originally Posted by LiterRR
not looking too good... Geico wants $4200/yr and Progressive wants $7800/yr. State Farm was $1000/yr.

Is there anyone else from the downtown area that is getting a decent rate (not from State Farm)?

I don't have any violations or claims and am 29. I don't see why this is so freaking expensive.

no joke...that is ridiculous.

just to finalize this little issue it turns out, for whatever reason, state farm is still willing to insure me. even for a brand new bike full coverage was just $40 more a year. not to mention they are willing to carry over the balance from my last bike. now i just need to pick up my bike...that's whole other issue in itself.

#910

"if i close my mind in fear, please pry it open. if my face becomes sincere beware.
when i start to come undone, stitch me together.
when you see me stretched remind me of what left this outlaw torn."
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