Progressive V. BikeLine

[twowheelnut]

Pulled the mail from the mailbox today and there was the dreaded Progressive envelope signifying renewal time. Right in back of it was a flier from BikeLine insurance all done up in heavy weight, glossy paper, cool pop-up discount coupon and 20 smiling faces of supposed happy customers with personalized 'Dear Timothy' salutations all doing their best to get me to punch in their www address for my 'Free Personalized Quote!'.

Well, I bit and did the electronic visit, filled in all the info that they were looking for (since when do insurance companies need to know if I have a pimple on my ***?) and hit the 'Get Quote' button. Through the marvels of modern technology, the web site was proud to present me a quote for... $1,278.00 for a full years coverage! :shock:

Then I opened my Progressive bill... "Dear Timothy, We are pleased to inform you that your coverage has been reduced by $256 and you've earned an additional 20% 'Good Driver's Discount'! :clap:

Sum *****! I just got a free radar detector, WOOT!

 

[Thug]

TWN I see ya mate pulled the pin the other day...sad to see :rip:

 

[Toecutter]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

 

[MCRIDER007]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

That sounds like a good deal. Did you take it?

 

[Toecutter]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

That sounds like a good deal. Did you take it?

Not so good considering my renewal bill with Geico was $724.00/12 months.

 

[MCRIDER007]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

That sounds like a good deal. Did you take it?

Not so good considering my renewal bill with Geico was $724.00/12 months.

Yea, but if you go with Progressive you get to own part of the Brooklyn Bridge and a free lube job.

I have also read that Geico classifies deer hits as an Act of God. Is there any truth in that?

 

[twowheelnut]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

That sounds like a good deal. Did you take it?

Not so good considering my renewal bill with Geico was $724.00/12 months.

Toe, Progressive for me is now down to $460/yr, but I've been with them for 8 years, now. They've always given me the best cost v. policy features. This is the best I've seen in 24 months of checking to keep the shysters honest. (I check around every 3 - 6 months - car insurance, too...)

 

[donaldb]

Dang, I checked with Progressive two days ago and they 'offered' me a one-year policy for something like $2800.00!

Dang! thats gotta hurt I called Progressive and Geico and another company I cant remember who at the moment---too many years and too many beers---anyway, I have never been insured w/Geico but they far and away gave me the best quote, annual premium, full coverage for about what TWN got from Progressive, my premium is about 450+/-, but I have a really high deductable, $1,000.00

 

[raclow]

I'm with Foremost Insurance, FULL coverage, at $502/year. $1,000 Deductible on Collision and $500 deductible on Other than Collision.

There are additional discounts for Motorcycle Association Memberships and Safety Course completion which add up to an additional 10%. I'm in the process of doing both to drop it to around $450/year....not too bad IMO.

 

[Bounce]

What I typed up a few years ago after having manually retyped the same warning to various different people:

Some people report good experiences with Bikeline. I do not. I was with them for 3 years and 2 bikes. On the first bike I had added a rider for accessories, valued at $5000 on a base bike valued at $4200. This is to show that I had no problems paying for accessories riders as long as I knew they were needed. In spite of that, when I transfered to the 98se they never mentioned anything about needing to itemize for base accessories. Since most insurance companies cover at least $1000 in accessories without needing to itemize, I was left to assume they were the same. When I finally had to make a claim, after all that time, they dissallowed $250 on accessories because they weren't itemized. As such, my out-of-pocket doubled what my deductible was. They would not budge in spite of knowing they'd lose more in repeat business from me than paying for the accessories would have cost.

I moved to Dairyland and their first year rate was lower than my repeat customer rate with Bikeline. It went down when I renewed. When I got the 2003 FJR and sold the Wing it went up a whopping $50. This year (first renewal) it dropped $100 (lower than the Wing - $334 a year for 100/300/50 with collision and comp and $250 deductible). Dairyland also covers $3000 in accessories before needing to itemize them.

Update: My last renewal with Dairyland had my rates drop to $275 a year for the same coverage on the same FJR.