Motorcycle insurance - Chicagoland Sportbikes
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post #1 of 28 (permalink) Old 02-02-2009, 11:02 AM Thread Starter
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Motorcycle insurance

Need to find another company to insure my bikes before they expire in may. Just found out that the company I use will no longer do motorcycles. Suggestions ? i know may is a few months away but I got to check them out.
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post #2 of 28 (permalink) Old 02-02-2009, 11:03 AM
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You will hear many people echo this, State Farm. good service and great rates.

Steve
08 yamaha Zuma 49cc
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I love bike shopping.
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post #3 of 28 (permalink) Old 02-02-2009, 11:03 AM
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I thiught everyone here used State Farm.
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post #4 of 28 (permalink) Old 02-02-2009, 11:18 AM
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I have been using Geico. They would write a motorcycle only policy. State Farm wanted me to switch my homeowners and auto policies as well. Geico rate was under $400 per year for full coverage on 2 bikes.

I want to get some more info on the Progressive insurance. I have seen some ads for $3000 of accesory coverage without an additional charge.
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post #5 of 28 (permalink) Old 02-02-2009, 11:23 AM
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The the bikes in your profile, you can go to statefarm, allstate, progressive, amfam, gieco. SHop around and see what is best for you. I have statefarm as they were the cheapest for me.
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post #6 of 28 (permalink) Old 02-02-2009, 12:47 PM
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Not sure if the Farm will write a stand-alone MC policy without getting something else (car/home/etc.).

That being said, I've been a State FArm customer for 22 years with no complaints.

Kim
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post #7 of 28 (permalink) Old 02-02-2009, 12:58 PM
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wow is it just me or does it seem like everyone is getting cheaper rates then i do. everywhere quoted me at at least 500-600 per year on barebones state minmum. thats why i went with good ol esurance.com (provided by American family insurance) and got 190 per year on barebones liability

Everyone needs a healthy way to relax, mine Church, and two wheels, a stretch of winding road, and a pipe loud enough to give me headaches and make squirrels explode. (Fixed curtousey of PWRMAD)

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post #8 of 28 (permalink) Old 02-02-2009, 01:10 PM
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Quote:
Originally Posted by streetracin1820 View Post
wow is it just me or does it seem like everyone is getting cheaper rates then i do. everywhere quoted me at at least 500-600 per year on barebones state minmum. thats why i went with good ol esurance.com (provided by American family insurance) and got 190 per year on barebones liability
Under 25 with a sport bike = high premiums

I rotate insurance companies. Started with Progressive, switched to State Farm, and now I have Allstate. My rate has changed for no reason with the previous companies, so I changed providors.

Fat Pat #728

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post #9 of 28 (permalink) Old 02-02-2009, 01:33 PM
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Quote:
Originally Posted by PatFitz9 View Post
Under 25 with a sport bike = high premiums

I rotate insurance companies. Started with Progressive, switched to State Farm, and now I have Allstate. My rate has changed for no reason with the previous companies, so I changed providors.
Depends on a lot of factors. I had full insurance on a newer 600 when I was 21 and it was only $520 a year with state farm.

Steve
08 yamaha Zuma 49cc
Dirt: TBD
I love bike shopping.
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post #10 of 28 (permalink) Old 02-02-2009, 01:47 PM
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yea i almost laughed when i saw my premium went down with my 2 tickets last season.....learned my lesson from speeding but apparently AMIG dont care

Everyone needs a healthy way to relax, mine Church, and two wheels, a stretch of winding road, and a pipe loud enough to give me headaches and make squirrels explode. (Fixed curtousey of PWRMAD)

Nothing is impossible the second we say ill try your already admiting you can be defeated, and the second you say i cant or its to hard youve already failed.
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post #11 of 28 (permalink) Old 02-02-2009, 01:48 PM
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what company is dropping moto coverage?

-Jason
CCS AM #31
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post #12 of 28 (permalink) Old 02-02-2009, 02:43 PM

 
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I work for State Farm. Shoot me a PM. We're usually very competitve on price on bikes.
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post #13 of 28 (permalink) Old 02-02-2009, 02:45 PM
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Quote:
Originally Posted by PolishPete View Post
I work for State Farm. Shoot me a PM. We're usually very competitve on price on bikes.
What's up with bike rates? Mine jumped up substantially and my state farm agent said there were across the board rate increases(twice) in '08, is he being straight with me?

Chris
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post #14 of 28 (permalink) Old 02-02-2009, 03:10 PM
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Quote:
Originally Posted by Vcook View Post
What's up with bike rates? Mine jumped up substantially and my state farm agent said there were across the board rate increases(twice) in '08, is he being straight with me?
That's what happened to me, and that's why I switched to Allstate last year. It went from $500ish to over $800.

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post #15 of 28 (permalink) Old 02-02-2009, 06:09 PM
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SF here, two Ducs, $300 a year full coverage. Yes I do have home and car too, they treat us well! No rate increase lately.. Knock on wood.

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post #16 of 28 (permalink) Old 02-02-2009, 06:21 PM
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Country Company aka Country Financial did better for me then State Farm. I used to be with SF.


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post #17 of 28 (permalink) Old 02-02-2009, 10:10 PM
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State farm wanted over 5 grand for my bike for just 1 year. I said fuck that, il just buy a new bike every year if thats the case and il have a bunch of backup and options. I got liability from Geico and its just over 500.

2008 Suzuki gsx 650f.

A government big enough to give you everything you want, is big enough to take away everything you have"
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post #18 of 28 (permalink) Old 02-02-2009, 10:19 PM
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post #19 of 28 (permalink) Old 02-02-2009, 11:19 PM
 
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Quote:
Originally Posted by PolishPete View Post
I work for State Farm. Shoot me a PM. We're usually very competitve on price on bikes.
pm sent!!!!

let me know.
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post #20 of 28 (permalink) Old 02-02-2009, 11:23 PM
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Quote:
Originally Posted by Vcook View Post
What's up with bike rates? Mine jumped up substantially and my state farm agent said there were across the board rate increases(twice) in '08, is he being straight with me?
I did not have an increase? I have two 600's fully covered. I didn't start my policy until 3/08, so that may be why I didn't have an increase.
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post #21 of 28 (permalink) Old 02-02-2009, 11:50 PM
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Pat,
Contact Mariam at Riders Choice Insurance Agency that is advertised in the Norton Club newsletter, (630) 204-4178 or www.callriderschoice.com. She will set you up with coverage for all your bikes at a very reasonable rate.
She brokers for every dedicated company that sells motorcycle insurance in Illinois. She will get you very lowcost insurance for your antique Triumph with a company that specializes in collector bikes and will get you very competitively priced coverage for the HOG's with an A+ rated company. At your age and with your record you should be no problem to get the best rates for. She is Tim Smith's wife...the last Prez of the Norton club before big Jon. Tell her you're a member of the Norton club. Anyone else shopping for insurance, she may be able to help you out and save you a few bucks. PLUS...she will write your motorcycle(s) only without having to buy a bunch of other insurance from her just to get your bikes insured.

When I posted this about a half hour before this edit, I typed the link in wrong...it is now corrected and will work fine.

"Dirt is for racing on...Asphalt is for getting there" OR "Flat trackers go in deeper and come out harder... OR (With apologies to General MaCarthur) "Old motorcycle racers never die, they just slip off the groove and fade into the dust!

If you want to anger a conservative, tell him a lie. To anger a liberal all one must do is tell the truth!

Last edited by OldTimeBiker; 02-03-2009 at 12:17 AM.
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post #22 of 28 (permalink) Old 02-02-2009, 11:54 PM Thread Starter
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Gonna get on it in the morning, with 4 months to go why not get it lined up. Where the hell you been? and what do you mean by "at your age" I think you have a year or 3 on me

Quote:
Originally Posted by OldTimeBiker View Post
Pat,
Contact Mariam at Riders Choice Insurance Agency that is advertised in the Norton Club newsletter, (630) 204-4178 or www.callriderscoice.com. She will set you up with coverage for all your bikes at a very reasonable rate.
She brokers for every dedicated company that sells motorcycle insurance in Illinois. She will get you very lowcost insurance for your antique Triumph with a company that specializes in collector bikes and will get you very competitively priced coverage for the HOG's with an A+ rated company. At your age and with your record you should be no problem to get the best rates for. She is Tim Smith's wife...the last Prez of the Norton club before big Jon. Tell her you're a member of the Norton club. Anyone else shopping for insurance, she may be able to help you out and save you a few bucks. PLUS...she will write your motorcycle(s) only without having to buy a bunch of other insurance from her just to get your bikes insured.
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post #23 of 28 (permalink) Old 02-03-2009, 08:48 AM
ummm.....yea
 
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state farm here as well. right around $1,000 for the triumph but it's under my name and i'm 24. going to drop to $350 once i turn 25 and we don't have just the basic coverage. they've treated us great in the past and have had no issues with them. every agent is different though as i've heard some bad stories from friends

-Marcin
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post #24 of 28 (permalink) Old 02-03-2009, 01:39 PM
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state farm here. had progresive last year and statefarm came in 200 less this year to 450ish for 12 months.

Willard: When I was home after my first tour, it was worse. I'd wake up and there'd be nothing. I hardly said a word to my wife, until I said "yes" to a divorce. When I was here, I wanted to be there; when I was there, all I could think of was getting back into the jungle.
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post #25 of 28 (permalink) Old 02-03-2009, 03:26 PM
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ugh...i'm 23. My full comp with decent deductibles on Progressive runs me $1400/year. No crashes/claims. Clean record. MSF/ERC. Single. Short history with company.

State farm requires some other form of insurance...auto, whatever.
Does Allstate?
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post #26 of 28 (permalink) Old 02-03-2009, 03:50 PM
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^^^^^
Like I suggested to the thread starter...Check with a broker that specializes in motorcycle insurance. With your age it will probably be expensive, but most likely much cheaper than what you have been quoted by company agents. There are more brokers out there that are MC specialists than the one I mentioned, but they are a good place to start...shop around.

"Dirt is for racing on...Asphalt is for getting there" OR "Flat trackers go in deeper and come out harder... OR (With apologies to General MaCarthur) "Old motorcycle racers never die, they just slip off the groove and fade into the dust!

If you want to anger a conservative, tell him a lie. To anger a liberal all one must do is tell the truth!
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post #27 of 28 (permalink) Old 02-05-2009, 05:14 PM
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I took your advice and contacted Miriam. She's getting me better liability and better uninsured/underinsured with low deductibles for $630 cheaper than Progressive. Full comp, collision, etc. Higher accessory coverage.

Granted, I dont have total replacement anymore, but with that much savings...I'm okay with that.
My new ins provider is Foremost for $760/year. Progressive was $1400/year

I'm 23. Bike is new. Single. Not a homeowner, etc. I simply dont qualify for the discounts that make Progressive the best (usually).
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post #28 of 28 (permalink) Old 02-05-2009, 06:38 PM
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I'm 24 single, don't own, clean record, car or bike, no tickets on file. in 07 with a new bike i was with American family, and was paying like 750-800ish for got exactly...then i get my bill for the next year...it was over $4,000 i called right away and apparently AF started listing anything in the super bike range..a race motorcycle only not to mention age and what not...basically they said, hey we don't want to cover your bike anymore...I was fine with that and shopped around...I still needed to keep full coverage year round as its on payments. Called SF and the 2 agents i talked to wanted over 1500, called progressive, was over 2000 and tried a few smaller places which came in anywhere between 1500 and 3000 for a year...Called all state, instantly was at 550 for a full year plus i got extra medical coverage as well. On my policy is just my bike and car, so there is a slight multi-discount but not huge.

All-state was even nice enough to not up my rates from a minor accident last year, where it was a "no fault accident" it was a cars fault but on private property, therefore no fault...All state thought it was not my fault so my agent wrote it as no fault of mine. Have had nothing but praise for my All State coverage, or agent.
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