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Old April 28th, 2023, 09:46 AM   #1
Zpatton
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Name: Zach
Location: Bridgeport, TX
Join Date: Sep 2022

Motorcycle(s): ‘08 Ninja 250r

Posts: 50
Best insurance provider

Hey all, just wanted to ask who do you find to be the best insurance provider and what sort of coverage you have for a motorcyclist?
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Old April 28th, 2023, 11:18 AM   #2
Triple Jim
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Name: Jim
Location: North Carolina
Join Date: Jul 2016

Motorcycle(s): Ninja 250

Posts: A lot.
MOTM - Oct '18, Aug '17, Aug '16
The best provider for you is probably going to vary state to state. Maybe the Texans here can provide some information. My motorcycles are covered by Allstate, with 100 100 300 coverage, but I also have an umbrella policy that takes it up to 1 million dollars.

My vehicle and homeowner policies are with the same company, which gives me a price break, as do the ages of my wife and me, and our driving records. Coverage for my four motorcycles is a little over $400/year. That may sound cheap to some here, and expensive to others, again, depending on the state they're in.

Canadians will find it extremely low cost, but when you look at the total cost of vehicle insurance and health insurance, which are financially related, it's probably not very different.
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Old April 30th, 2023, 10:55 AM   #3
InvisiBill
EX500 full of EX250 parts
 
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Name: Bill
Location: Grand Rapids-ish, MI
Join Date: Jul 2012

Motorcycle(s): '18 Ninja 400 • '09 Ninja 500R (selling) • '98 VFR800 (project) • '85 Vulcan VN700 (sold)

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Blog Entries: 1
MOTM - Aug '15
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.
__________________________________________________

*** Unregistered, I'm not your mom and I'm not paying for your parts, so do whatever you want with your own bike. ***
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Old May 1st, 2023, 09:06 AM   #4
Zpatton
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Name: Zach
Location: Bridgeport, TX
Join Date: Sep 2022

Motorcycle(s): ‘08 Ninja 250r

Posts: 50
Thanks fellas. All input is appreciated.
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Old May 4th, 2023, 10:06 PM   #5
Bob KellyIII
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Name: Robert
Location: Weed, California.
Join Date: Jul 2021

Motorcycle(s): 2012 Kawasaki Ninja 250R, 2021 CSC TT250, 1977 Triumph Bonneville 750cc,2001 Honda XR650L.

Posts: A lot.
I have GEICO for my bikes and car.... I spend about $350.00 a year on it and just have what is needed to be legal in CA. making that MANDANTORY to have insurance is an outright atrocity ! to the citizens ! I have never put in an insurance claim in my entire life
Yet I have to spend $350.00 a year on insurance !
GEICO did Not like the vin number on my RX4 however but they finally gave me insurance on it... then the DMV told me they were going to cancle the regristation because of no insurance.... ( they didn't report it.) this happened both years I owned the bike ! I guess their computer didn't like the Chinese VIN numbers I don't know...
but I've not had such a problem with the Honda,Triumph, Kawasaki, OR the TT250 which is also a chinese bike.... hard to figure out but that is a problem GEICO needs to figure out.... because I was almost to the point of cancling all the bikes and going to someone else....
....
in my view Insurance is a sham... they find ways of not paying and if you read the fine print on any policy you will see hundreads of ways that they do not have to pay... and there is always a ambiguous clause.... like act of god in there somewhere....
.... However I do wish I had had fire insurance at the Ranch 20 years ago... but unlike home owners insurance fire insurance is a separate policy ...at least it was for Farmers
insurance.... so even if I had had Home owners insurance they would not have paid for the loss of the ranch house.... that takes a separate policy ! and would have been 2 times the yearly cost.... still I wish I had had it as I lost everything because of a wild fire....( that started when I wasn't home!)
.....
Bike insurance IS needed because you will get hurt if you crash or a car hits you
I walked away from my one auto crash.... but the bike was toast....
....
some people are insurance Poor.... they have everything insured... I am the exact opposite the only things I have insured is what I HAVE TO ! simply because I know they do the odds.... to figure out how much to charge you.... it is not a loosing proposition on their part..... getting a bond is far better for YOU but you never hear that discussed.
and bonds are Not cheap either so all in all your screwed from the get go.... dammed if you do and dammed if you don't......
.... which is better is like asking which thief steels the least..... <GRIN>
....
go with a personal bond if you can afford it... they are even still legal in California and you don't have to make monthly payments to it..... unlike an insurance company.
....
Bob.....
__________________________________________________
Its too late when you've gone too far !
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