Couple of things to keep in mind regarding your insurance coverage. At least in Connecticut, Dairyland does not automatically include Guest Passenger coverage. It is included with Progressive Insuance. Also in CT., Dairyland will not write higher that 100/300 Bodily Injury coverage. I know someone above stated that they had 250/500. You may want to make certain the agent quoted the correct coverage. My marketing rep led me to believe Dairyland did not write 250/500 in any state. She may be wrong but it makes sense it would be a national program. Also, I still reccomend (as per prior posts) to get as much Uninsured/Underinsured Motorist coverage as you can purchase. We as riders are at risk to severe injury and permanent disability. Why do you think many companies do not want to offer double the limit on your UM? Because they know they will be paying out big bucks in many cases. In CT the state law requires the companies to allow us to purchase double the BI limit. I therefore purchase 250/500 BI (not because I am so concerned I will injure someone else ) so I could therefore get my UM at the 500,000/1,000,000 level. It may sound like a lot of coverage, but I figure my legs, arms, ankles etc are worth a lot to me. I spoke to my Dairyland rep and she said Dairyland does not offer the 250/500 (at least in CT) because they don't want to be on the hook for the higher UM exposure. My UM coverage is only costing me $91 for the year. That's a steal considering I have 1/2 million of coverage for myself if some idiot with no insurance or low limits tbones me. Even if I don't come out of the accident, my family now has a good size payout. Doesn't everyone out there know of at least a couple of cases where a motorcycle rider was injured in a not at fault accident? Think about the guy paying out $109 per year for liability only. He is doing more (providing coverage for the other party) than he is doing for himself. He purchased no coverage for himself!
Apparently in TX, you do not need to purchase the UM. I am 100% certain the insurance companies must love that law. If you don't buy it, you just saved them a lot of money. Who is more likely to be injured- they guy on the bike or the guy driving the car? Certain coverages they like to sell and others they don't. UM is one they don't like to sell because of the obvious exposure.
In response to another post above. I already explained to the individual, if you have a loan on the bike, you need Comp and Collision. The lienholder wants you to protect their interest in your bike. They could care less about you liability limits or um coverage. They want to be certain if you (or someone else) cracks up your bike that they get their money back. That my friends is your collision coverage-not liability.
Lastly, rates vary by state all across the country. You can't say any company is always the cheapest. It varies by state, by bike by driver class, insurance score etc. I can say that in CT, Progressive beats the pants off Dairyland but Progressive has been making some errors in the reclassification of the 2006 fjr. It should no longer be in the Sport Touring class. ASk you agent or Progressive direct about this. It should now be in the Touring class with a symbol of 43. If it's not, you are overpaying. Please see the prior posts regarding this topic and you will see a number of people save 100's by checking this out (myself included).
Good luck and ride safe,
BMort
)knocked it over...$800 worth of paint scratches, they paid immediately, no hassles, couldn't have been nicer. Classified it as a "collision" because it "collided" with the driveway, but said it won't have any, or very little, effect on my premium.
