Good idea. I'm going to do this just to see but it's been on my insurance for 4 years and shouldn't have made a big difference all of a sudden.
Do so! I went with USAA, and they set me up with Progressive, which I already had for my cars on my own. I ended up talking with a Progressive rep. who told me they couldn't match the quote from USAA, even though USAA went through Progressive! I have been with Progressive for 15 years, with 3 cars, and they couldn't match the price that USAA could offer through Progressive. Weird, but true. It saved me $80 a year using USAA.
Dang! When I went from the 08 to the 13 FJR I went from $137.00 to $268.00 per year. When the pretty red 2014 ES temptress lured my away from the 13 to the 14 it went up to $338.00 for $100,000 / $300,000 $0.00 deductible but I expect it to go down a bit at renewal in April.I used to have Progressive for my bikes (4 bikes under coverage), had a very low annual rate (~$900 for the 4 bikes), and was very happy with how they handled my comprehensive claim when I was randomly attacked by a rogue bambi
When I bought the new 2014 last summer I got an online quote from them via their web page (I really liked that self-service capability) and certainly expected for the new FJR's portion to go up a bit over the old 2005, but the increase alone ended up being more than the $900 I had been previously paying for all 4 bikes with the same coverage.
I thought something with the online quote system must be FUBAR, so I contacted my agent, through whom the insurance had originally been brokered, and they checked the quote, and that was what they came up with too.It wasn't just an increase in the comp and collision, like you would expect, but a big increase in the liabilities as well. They must have reclassified the 3rd Gens as a spoort bike or something?
Anyway, I switched to Allstate (outside of my agent) for the 4 bikes, and now pay only slightly more than what I paid on the 4 bikes previously for the exact same levels of coverage. Yes, you definitely do need to shop around.
That is what I thought. I have Progressive and had about a 60% increase from my '04 ST1300 to my '15 FJR. I am not happy about it but the difference in worth is significant.
That would make sense if the increase in the quote was in the comprehensive and collision sectons, which is where the insurance pays any claims out based on the value of the insured item. But, why should the liability insurance go up because it is a newer version of the same bike? That coverage has nothing at all to do with the value of the bike, just the likelihood that you will injur yourself or others or cause property damage.
+1It may be true about location but I have a buddy in Atlanta, and that's a city that I would say is similar to Toronto, and he pays less than $300 full coverage on a new Connie.That's 1/3 of what we pay in Toronto.
We are getting hosed up here!
Between your gas prices and your insurance rates, you guys in the US can stop bitchin'
