Motorcycle insurance recommendations? - BMW Luxury Touring Community
 
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post #1 of 12 Old Apr 14th, 2015, 9:21 pm Thread Starter
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Motorcycle insurance recommendations?

Who has a recommendation on a good insurance company. I wanted to shop my renewal which was for about $600 for a years coverage. I have a 2011 RT am 57 years old and live in Colorado. The coverage is through Dairyland and is good. Maybe the cost is reasonable. Any thoughts?
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post #2 of 12 Old Apr 15th, 2015, 5:53 am
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Re: Motorcycle insurance recommendations?

Geico advertises low rates, and people I know seem happy with their policies.
If you are a USAA member, Progressive also offers attractive rates on their policies.
Premiums depend on extent of coverage, deductibles, and driver rating so be sure to compare apples to apples.


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Previous: 2013 F800GT
Recent: 2014 R1200RT Quartz Blue Metallic
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post #3 of 12 Old Apr 15th, 2015, 6:21 am
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Re: Motorcycle insurance recommendations?

I've been using Progressive for years and have been very pleased with them.


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post #4 of 12 Old Apr 15th, 2015, 6:45 am
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Re: Motorcycle insurance recommendations?

I also have Dairyland for my 2012 K1600GTL. I just received my renewal notice for $339 per year. I know insurance cost differs from state to state but almost double for an older bike is ridiculous. I have Progressive for my Motorcycle towing business & they have the best rates for this type of insurance.

Stevie Shreeve
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post #5 of 12 Old Apr 15th, 2015, 7:58 am
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Re: Motorcycle insurance recommendations?

I have been using Markel American (bikeline.com) for many years and have been very satisified. I just renewed my coverage and it cost around $450 for both my 2010 RT and 2006 F650GS.

Regards,

Steve Cass
Sunny Tucson Arizona
BMW MOA 163660

2010 BMW R1200RT
2006 BMW F650GS
1987 Harley Davidson FXRT (Sold)
1983 Kawasaki KZ650 (Sold)
1973 Honda 350 Four (Sold)
1972 Suzuki 250 (Sold)
1970 Kawasaki A7 Avenger (Sold)


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post #6 of 12 Old Apr 15th, 2015, 8:17 am
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Re: Motorcycle insurance recommendations?

That's around double what I pay State Farm for full coverage on the 14. Steve
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post #7 of 12 Old Apr 15th, 2015, 8:22 am
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Re: Motorcycle insurance recommendations?

That is for two bikes. I think the RT is about $300 and the GS adds about $150. I do carry 100/300 which is probably more than I need for a bike..

Steve Cass
Sunny Tucson Arizona
BMW MOA 163660

2010 BMW R1200RT
2006 BMW F650GS
1987 Harley Davidson FXRT (Sold)
1983 Kawasaki KZ650 (Sold)
1973 Honda 350 Four (Sold)
1972 Suzuki 250 (Sold)
1970 Kawasaki A7 Avenger (Sold)


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post #8 of 12 Old Apr 15th, 2015, 9:50 am
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Re: Motorcycle insurance recommendations?

I've had the unfortunate experience to have totaled a couple of bikes: a crashed Honda 360 and a stolen Kawasaki KZ900 back in the 70's both insured with Dairyland; and my beloved LT in 2013 covered by Progressive.

Don't forget what you're paying for--financial protection in the event of a loss. Working with Dairyland back in the 70's was a PITA. Every interaction was a negotiation and delay.

Progressive, in contrast, was prompt and fair across the board, even reminding me that "accessories" coverage included safety gear and the Spiegler brake lines.

Motor On ,/'


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post #9 of 12 Old Apr 15th, 2015, 10:08 am
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Re: Motorcycle insurance recommendations?

'09 RT
Paying $264.00 with Progressive per year

250/500/100 Liability
250/500 uninsured motorist
$5K Accessories

$100 Ded. Comp
$1,000 Ded. Collision.

The Older I Get, the Faster I Was!
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post #10 of 12 Old Apr 15th, 2015, 10:14 am Thread Starter
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Re: Motorcycle insurance recommendations?

Thanks. Good info. That give me something to work with. Much appreciated!

Tom Davis
Golden, CO

2011 R1200RT
2006 KTM 525
1976 CB 750 "MO"
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post #11 of 12 Old Apr 19th, 2015, 3:09 pm
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Re: Motorcycle insurance recommendations?

I pay around £78.50 ($120) full coverage on a Honda NT700 in the UK.
Won't be using the broker again due to their attitude during a claim when an unknown neighbour knocked it over. (First "fault" claim in 26 years). Because I wouldn't use their pet repairer, after seeing a few comments about their work, they put the phone down on me. Seemed to think I wouldn't be able to talk to the insurance company on my own.


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post #12 of 12 Old Apr 19th, 2015, 6:51 pm
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Re: Motorcycle insurance recommendations?

Progressive

RB

2005 Ducati Multistrada 1000DS (red)
2009 BMW R1200 RT (biue)

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