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#4631276 - 01/11/18 10:18 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4101
Loc: Midwest USA
Markle just came in @ 445 same policy limits.
_________________________

'09 Subaru Forester ...................(QSED DEXOS1 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

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#4631603 - 01/11/18 03:25 PM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
HouseTiger Offline


Registered: 04/16/17
Posts: 191
Loc: Georgia, USA
Much of the insurance premium is going to be based on the amount of coverage you want and how you structure it. If you want nothing out of pocket, but high coverage limits, you'll pay out the ying-yang. Raise your deductible to $500 or even $1,000 and watch the premiums drop. Another major factor is whether there is medical payment coverage. Progressive has up to $50,000.00 medical coverage for when the text messaging Dodo hits you.

Insurance - it's a racket, but it's nice to have when you need it.

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#4632131 - 01/12/18 06:06 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4101
Loc: Midwest USA
Went with Markel. Policy effective yesterday, GEICO expires today. smile
_________________________

'09 Subaru Forester ...................(QSED DEXOS1 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

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#4632146 - 01/12/18 06:35 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Congrats, glad it worked out for you ... I swap around insurance companies like some people buy lottery tickets *L*

The winner is on my house, in 11 years I had to have changed 5 or more times, I cant even keep track, cars maybe 4 times in 11 years, bike 2 or 3 times in the last 4 years.
Internet makes it so easy to do, many times I will switch even before the policy is up, if I happen to run across something really good, as the current company has to refund the difference.
Dont misunderstand, Im loyal as long as they give me the best price but they are in business to make the most money, every company has a formula on how they increase their profits per customer once they have you as a customer.


Edited by alarmguy (01/12/18 06:38 AM)
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

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#4633250 - 01/13/18 07:40 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
Robster Offline


Registered: 05/12/04
Posts: 456
Loc: Central Pennsylvania
I've also seen rate-creep occur with some companies that are mentioned in this thread, but it doesn't always happen--case in point: I recently upgraded my pickup truck from a 2015 Ram Express 4X4 with a 3.6L six cylinder engine to a NEW 2017 Ram Big Horn package (many, many more options) 4X4 with 5.7L Hemi V8 engine. I contacted GEICO and transferred the coverage on the 2015 to the 2017--same exact coverage, same deductibles etc.

Imagine my surprise when the customer service rep told me that I'd be getting a modest refund on my premium because the newer truck is cheaper to insure. The newer truck has a sticker price of about $12,000 higher than the 2015. Go figure!
_________________________
2017 RAM 1500 Big Horn 5.7L:PP 5w-20
2014 Hyundai SFS 2.0T: Frankenbrew based on QSUD 5w-30 D1G2
2013 Victory Cross Country:Amsoil 20w-40

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#4633720 - 01/13/18 02:39 PM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4101
Loc: Midwest USA
The declarations page Markel emailed me does not show the uninsured motorist and underinsured motorists coverages I selected during the quote process and says that I must choose or reject each, AND if I choose the coverage it will be add'l premium. (!!)

Okay, that might be Bait and Switch ladies and gentlemen, if it's not just a mistake.

The online quote I ran I absolutely chose both coverages and set them to my bodily injury liability coverages of 50/100. It was part of the quote which they quoted for $445. I bought the policy for that price and NOW they are telling me on the Declarations page that my $445 did not purchase the uninsured motorist and underinsured motorist coverages I'd selected and I will be billed add'l premium to get them.

Going to be making a call to them first of the week. Hopefully a mistake. If not, I'll have to cancel and go with Dairyland's quote.
_________________________

'09 Subaru Forester ...................(QSED DEXOS1 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

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#4633751 - 01/13/18 03:10 PM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
gman2304 Offline


Registered: 08/11/11
Posts: 3087
Loc: n.c.
Ií be been with State Farm for several years and like them. Car, truck , 2 houses and a motorcycle. It might be worth getting a quote from them while youíre at it.

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#4634475 - 01/14/18 10:29 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Originally Posted By: LoneRanger
The declarations page Markel emailed me does not show the uninsured motorist and underinsured motorists coverages I selected during the quote process and says that I must choose or reject each, AND if I choose the coverage it will be add'l premium. (!!)

Okay, that might be Bait and Switch ladies and gentlemen, if it's not just a mistake.
..


I wouldnt call it bait and switch, something happened during your ordering process for sure, whether it was your computer or there computer (most likely yours) ..
I learned of Markle from other bikers, first problem I ever heard, which isnt a problem, if its not what you think, you just go to another company and what is so great about the internet, for me personally, Markle beat everyone, including Dairyland on my 14 Road King and the bike has every type of coverage on it.


Edited by alarmguy (01/14/18 10:36 AM)
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

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#4634478 - 01/14/18 10:34 AM Re: Motorcycle Insurance Best Rates? [Re: Robster]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Originally Posted By: Robster
I've also seen rate-creep occur with some companies that are mentioned in this thread, but it doesn't always happen--case in point: I recently upgraded my pickup truck from a 2015 Ram Express 4X4 with a 3.6L six cylinder engine to a NEW 2017 Ram Big Horn package (many, many more options) 4X4 with 5.7L Hemi V8 engine. I contacted GEICO and transferred the coverage on the 2015 to the 2017--same exact coverage, same deductibles etc.

Imagine my surprise when the customer service rep told me that I'd be getting a modest refund on my premium because the newer truck is cheaper to insure. The newer truck has a sticker price of about $12,000 higher than the 2015. Go figure!


Yes, Robster, it does normally happen. Getting a new vehicle is not anything about rate creep. Rate creep is when your 2017 truck, with many, many options, is worth $10,000 less in three years but the coverage has stayed the same and gone up, then you get quotes from 3 other companies and find out that they are a couple hundred dollars less a year then you have been paying.
Its not uncommon for a new vehicle to have a lower ins. cost then an older one and I would suggest if you compared rates in one year you will find out you are paying more then you should, possibly even now.
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

Top
#4634484 - 01/14/18 10:39 AM Re: Motorcycle Insurance Best Rates? [Re: gman2304]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Originally Posted By: gman2304
Ií be been with State Farm for several years and like them. Car, truck , 2 houses and a motorcycle. It might be worth getting a quote from them while youíre at it.


Im sure you will find, State Farm is not the cheapest out there. Used to have them, biggest mistake ever when I moved down south.
Only way to know, is get quotes online for your truck, car, 2 homes and bike, based on that I would think you will save about $1000. plus a year over the cost of state farm. But maybe not, never know unless you spend a few hours getting quotes.
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

Top
#4634563 - 01/14/18 11:32 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
gman2304 Offline


Registered: 08/11/11
Posts: 3087
Loc: n.c.
Only way to know, is get quotes online for your truck, car, 2 homes and bike, based on that I would think you will save about $1000.

^ I did just that. State Farm was cheaper for me. I do reevaluate my insurance every couple of years as you suggest, to keep them honest.

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#4634995 - 01/14/18 06:42 PM Re: Motorcycle Insurance Best Rates? [Re: alarmguy]
Robster Offline


Registered: 05/12/04
Posts: 456
Loc: Central Pennsylvania
Originally Posted By: alarmguy
Originally Posted By: Robster
I've also seen rate-creep occur with some companies that are mentioned in this thread, but it doesn't always happen--case in point: I recently upgraded my pickup truck from a 2015 Ram Express 4X4 with a 3.6L six cylinder engine to a NEW 2017 Ram Big Horn package (many, many more options) 4X4 with 5.7L Hemi V8 engine. I contacted GEICO and transferred the coverage on the 2015 to the 2017--same exact coverage, same deductibles etc.

Imagine my surprise when the customer service rep told me that I'd be getting a modest refund on my premium because the newer truck is cheaper to insure. The newer truck has a sticker price of about $12,000 higher than the 2015. Go figure!


Yes, Robster, it does normally happen. Getting a new vehicle is not anything about rate creep. Rate creep is when your 2017 truck, with many, many options, is worth $10,000 less in three years but the coverage has stayed the same and gone up, then you get quotes from 3 other companies and find out that they are a couple hundred dollars less a year then you have been paying.
Its not uncommon for a new vehicle to have a lower ins. cost then an older one and I would suggest if you compared rates in one year you will find out you are paying more then you should, possibly even now.


Correct, while not directly related to rate creep, you'd think if the insurance companies were that nefarious they would use the excuse of a more expensive vehicle to hike the rate immediately after a new purchase. For many people, it would pass the "straight face" test since the new vehicle is usually worth more. I fully expected to pay at least a little more premium for this new truck, so I was surprised in this instance when I got a refund and a lower premium quote. I've traded vehicles many times and that has never happened.

Like many of you, I'm not beholden to any particular insurance company and I compare rates at least once per year. For the last few years, GEICO has been kicking butt for me.
_________________________
2017 RAM 1500 Big Horn 5.7L:PP 5w-20
2014 Hyundai SFS 2.0T: Frankenbrew based on QSUD 5w-30 D1G2
2013 Victory Cross Country:Amsoil 20w-40

Top
#4636333 - 01/16/18 06:19 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
LoneRanger Offline


Registered: 07/02/07
Posts: 4101
Loc: Midwest USA
Called Markel American. They said the $445/yr was for *no* uninsured motorist and underinsured motorist coverages. I politely cancelled for refund.

Called Dairyland and confirmed all coverages. Bought the policy @ $405.56 full year. Not bad with recent at-fault (total loss) accident included.
_________________________

'09 Subaru Forester ...................(QSED DEXOS1 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)

Top
#4636341 - 01/16/18 06:33 AM Re: Motorcycle Insurance Best Rates? [Re: Robster]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Hey gman and Robster,

Yes, as you can tell, me too, Im only loyal to myself and my family, the insurance companies play games, their computers are actually programmed for it.

I didnt know gman that you check rates, I really was taken for a ride by State Farm for a while after my move and neglected to check rates. We did a lot of personal family business with them, in addition to that, property we own and a business.
No more for me, never again as well as some family members.

Robster, I agree with what you are saying, excuse I was given some years ago was that some newer vehicles had a better safety record and only reason for my response.. Anyway, I never accept a rate increase and will spend a few hours on the computer finding a cheaper company, and hour or two of "work" at each renewal pays me a couple hundred dollars.
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

Top
#4636342 - 01/16/18 06:36 AM Re: Motorcycle Insurance Best Rates? [Re: LoneRanger]
alarmguy Offline


Registered: 07/10/12
Posts: 2173
Loc: South Carolina
Originally Posted By: LoneRanger
Called Markel American. They said the $445/yr was for *no* uninsured motorist and underinsured motorist coverages. I politely cancelled for refund.

Called Dairyland and confirmed all coverages. Bought the policy @ $405.56 full year. Not bad with recent at-fault (total loss) accident included.


Excellent, Dairyland will stay on my list as a site to check ins quotes, they didnt beat Markel in my case but doesnt matter, as with everything I do, anyone who gives me an online quote gets my business at renewal time, anyone who keeps me at the lowest cost get my loyalty, if they dont stay the cheapest, then one click and they are gone.
(your case is different though, because the accident)
_________________________
14 Road King (current)
08 VStar 1300 Tourer
07 Suzuki C50

Top
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