Not AAA (in Michigan). Their bike insurance is (was?) totally separate from their home and car insurance. I had those on autopay, and thought the Vulcan was too. When I bought the Ninja and called to switch my insurance over, I was informed that it had been cancelled at some point in the past because I hadn't paid a bill for it. Oh, and also that they just don't insure sportbikes at all.
So I insured the Ninja with
Progressive, and have been with them for 10+ years now. They don't do partial-year insurance, but they've said that they take into account the riding season in northern states and adjust their pricing accordingly. I've never had a claim, so I can't say anything about how good their product actually is. But as far as sending away my money every year "for nothing", they seem to do ok.
Quote:
Thanks for being a loyal customer. Here are your rewards for being insured 10 years straight:
Emerald Access
Get VIP treatment – whenever you call, we'll move you to the front of the line.
Large Accident Forgiveness
With Large Accident Forgiveness, your rate won't go up even if you cause an accident, regardless of the amount. You'll earn this benefit when you've been with us for five years continuously and your policy has been free from violations and claims for the previous three years.
Claim Free Renewal
Here's another way safe driving pays off: you may save with a Claim Free Renewal when you renew your policy if you didn't file a claim during your previous policy period.
Accessory Coverage
Custom parts on your bike? We'll cover up to $3,000 to replace after-market parts and accessories with your Comprehensive and Collision coverages when you file a claim. Even better: the value of your accessories doesn't depreciate, even as your bike ages.
Responsible Driver Discount
The more safely you drive, the more you could save! You may earn the Responsible Driver Discount if you haven't had accidents or violations for three years in a row, depending on your state.
Specialized Claims Service
Your bike is unique - and that means your claim will be, too. With Specialized Claims Service, a dedicated bike claims specialist will be there to smooth the way from start to finish of your claim.
Small Accident Forgiveness
With Small Accident Forgiveness, your rate won't go up if you need to report a small claim. Generally, a "small claim" is anything under $500, but this varies by state, so be sure to call us to find out what applies in your state.
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