insurance


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tandem54
Posts: 255
Joined: Tue Jan 12, 2010 10:00 am
Location: Surprise, Arizona
Motorcycle: 1988 GL1500

insurance

Postby tandem54 » Sat Jul 12, 2014 5:10 pm



Hi, I was looking at changing insurance companies.
I have Geico but it has raised a lot in the last 3 years, (car & bike) and I have a good record with no accidents.
I went on the net and want to know if anyone has Liberty Mutual?
They seem a lot cheaper


I’d rather be Riding my Motorcycle thinking about God
Than sitting in church thinking about my Motorcycle

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Sally
Posts: 421
Joined: Wed Apr 20, 2011 10:25 am
Location: Dundee,NY
Motorcycle: 02 goldwing

Re: insurance

Postby Sally » Sat Jul 12, 2014 6:08 pm

I never had a problem with them very good company in my opinion.Sally

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redial
Posts: 1993
Joined: Mon Jan 03, 2011 1:17 am
Location: Kapunda, SouthAustralia
Motorcycle: 1997 GL1500 Spectre Red Aspencade

Re: insurance

Postby redial » Sat Jul 12, 2014 9:41 pm

It appears that different States have different rates, in the USA. So it might be wise to shop around for insurance in your area. As far as rates go, that is one thing, but what you get for your money is the more important thing. Think about drawing up a table of the features that you want, and see how the insurers match up to those requirements. It is never easy, because of the unknowns that abound with insurance - such as how quickly do they pay out; can I keep the wreck; what is the agreed value; do they cover accessories; do they cover my riding gear; ...so many questions.
Len in Kapunda

The world is not going to finish today, as it is already tomorrow in Australia and New Zealand, and other islands of foreign nations such as Guam and Samoa.

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tandem54
Posts: 255
Joined: Tue Jan 12, 2010 10:00 am
Location: Surprise, Arizona
Motorcycle: 1988 GL1500

Re: insurance

Postby tandem54 » Sun Jul 13, 2014 10:13 am

Checking online a couple companies are 1/2 the cost for my car but they will only insure the bike for liability.
Do you have full coverage on your bike? I called Geico & they said I was getting their best price!!?
I do now but I understand the bike is 28 years old & maybe I should just get the liability.
What's the opinion? Blue book is only $3000 on mine!?
I’d rather be Riding my Motorcycle thinking about God
Than sitting in church thinking about my Motorcycle

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moneypit
Posts: 145
Joined: Mon Jul 07, 2014 2:43 pm
Location: Grand Haven Mi
Motorcycle: 1983 GL1100I Interstate

Re: insurance

Postby moneypit » Mon Jul 14, 2014 10:40 am

In Michigan we pay 192.00 catastrophic claims on each vehicle other than that the actual bike insurance isn't bad.

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tfdeputydawg
Posts: 897
Joined: Sun Nov 22, 2009 6:59 am
Location: Indianapolis, In.
Motorcycle: 06 Wing III/2010 Hannigan

Re: insurance

Postby tfdeputydawg » Tue Jul 15, 2014 1:39 am

Rates vary by state, even areas within a state differ. Also varies depending on what coverages you decide fits your needs.
My rate in rural Indiana for a 06 Wing w/a 2010 Hannigan conversion is $242 & change/year.

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Andy Cote
Posts: 69
Joined: Sun Feb 27, 2011 11:38 am
Location: Windham, ME
Motorcycle: 1988 GL1500 Phantom Gray

Re: insurance

Postby Andy Cote » Tue Jul 15, 2014 11:32 am

Liberty Mutual was good when one of their clients hit me. Best expereience I've had with a claim although that was a very low bar to climb over.

I use Dairyland.

Call a local independant agent. They can quote mutiple sources.
DARKSIDE #1500
88 GL1500, Phantom Gray Metallic, double darkside
97 Valkyrie, red/white
Previously, GL1200 (2), many other Hondas and one Kawasaki
Ham Extra Class, AC1R

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brenniac
Posts: 38
Joined: Sun Dec 13, 2009 6:11 pm
Location: Rochester, NY
Motorcycle: 2006 GL1800

Re: insurance

Postby brenniac » Thu Jul 17, 2014 8:04 am

I have Liberty Mutual for my home and car. Never had a claim, nor a problem with them. Progressive insures my bikes. I've had two crashes within the last 10 years. One was my fault and the other not so much. No injuries other than minor bruises in either case but extensive damage to the Wing. Progressive took care of both problems and my rates have not increased as a result.
'06 Gold

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tandem54
Posts: 255
Joined: Tue Jan 12, 2010 10:00 am
Location: Surprise, Arizona
Motorcycle: 1988 GL1500

Re: insurance

Postby tandem54 » Sat Jul 19, 2014 12:26 pm

I've been getting a few quotes, looks like I'll go with Allstate, I used to have them (3 years ago) but they quoted me a VERY good rate!
Geico said they were giving me their best rate but it was $1200 a year more just for my car!!
I’d rather be Riding my Motorcycle thinking about God
Than sitting in church thinking about my Motorcycle

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Mag
Posts: 1298
Joined: Sun Mar 25, 2012 11:58 am
Location: Silverlake, WA
Motorcycle: 1982 Yamaha Venture (Crashed/Sold)
1982 1100 Silver Goldwing (sold)
1989 1500 Beige Goldwing (sold)
1988 1500 Beige Goldwing (current ride)

Re: insurance

Postby Mag » Sun Jul 20, 2014 9:54 am

Like Brenniac I have Progressive....low rates, and I heard a lot of good things if/when you do have an accident. I also can manage most of the changes myself., etc., etc. It just seems that insurance is such a racket sometimes, but definitely one of those "must have"s.

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winger05
Posts: 87
Joined: Fri Sep 10, 2010 1:59 pm
Location: Mesa, Az
Motorcycle: 1985 GL1200 Aspencade
1987 GL1200 Aspencade
2005 GL1800

Re: insurance

Postby winger05 » Mon Jul 21, 2014 1:13 pm

I have full coverage Progressive on my Wings and two Honda Rancher 350 ATV's. Very reasonable and was cheaper then Geico here in Arizona.

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BullCBX
Posts: 44
Joined: Mon Mar 31, 2014 1:48 pm
Location: Loganville, Georgia
Motorcycle: 1996 GL1500SE
2004 FJR1300ABS
1982 CBX

Re: insurance

Postby BullCBX » Mon Jul 21, 2014 2:21 pm

Another vote for Progressive. When I totaled my FJR several years ago they were very easy to deal with. No issues with covering my riding gear as well. I did not have original receipts, but was able to provide make and model/style of helmet, jacket, gloves, pants and boots and they covered it all. Ended up buying the bike back, rebuilt it, and they offered to provide a policy and coverage before the wonderful state of Georgia could schedule the necessary inspections to issue a new title. Ended up riding the bike with a "tag applied for" sign for several months without issue. Progressive has been a real pleasure to work with.

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Happytrails
Posts: 653
Joined: Wed Sep 04, 2013 6:13 pm
Location: Tarentum, Pennsylvania
Motorcycle: 1991 Goldwing 1500 SE

Re: insurance

Postby Happytrails » Sat Jul 26, 2014 8:07 am

State Farm usually has great rates on motorcycle insurance. They have been easy to work with on vlaims. I have my homeowners and car insurance thru them as well. Paying $260/yr on my 91 Wing full coverage.


1991 GL1500 SE Anniversary Edition
Sun Flare Gold Metallic
Vallant Brown Inset


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