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post #1 of 36 Old Mar 26th, 2007, 2:58 am Thread Starter
 
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Question Insurance Q for Multiple Bike Owners

I need some input from anyone with experience on the best way to insure multiple bikes in the stable.

I just purchased a second ride in Atlanta but Allstate, while having great single bike prices, offers no multiple bike discounts so with each extra bike I'm doubling my insurance costs. That said I would like to collect more but may have to reconsider if this trend continues much longer. In Atlanta anything licensed for the road requires insurance so if I start collecting rides this could really get pricy unless there are some loopholes that I am unaware of? Thanks in advance for yor input. ~dk
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post #2 of 36 Old Mar 26th, 2007, 5:10 am
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When I added the wife's bike to my Geico policy, the multi-bike discount actually lowered the premium.
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post #3 of 36 Old Mar 26th, 2007, 8:20 am
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I have been very pleased with Progressive and it is easy to get a quote on their website.

http://www.progressive.com

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post #4 of 36 Old Mar 26th, 2007, 9:34 am
 
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Thumbs up

Progressive Ins does offer quite the discount for multiple bikes.
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post #5 of 36 Old Mar 26th, 2007, 10:42 am
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They are all scum bags, progressive, geico etc.
Who does your home owners? Life etc.
I with State farm, at way less than with Progressive and they (PRO) were giving me preferential treatment because they advertised in our magazine.
Rock

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post #6 of 36 Old Mar 26th, 2007, 10:57 am
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I have all of my insurance through Farmers. The do not offer a multiple bike discount, although the total for three bikes in our household is competitive with the total I've gotten quoted from other carriers.

My agent told me a long time ago that Farmers' philosophy is that if you own multiple bikes, it's so your friends can come over and ride them. I told him that's a bunch of [hooey], and he agreed.

They give generous discounts for multiple cars, but not bikes. Sheesh.

If you look at the map and don't care where you are, you're not lost.

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post #7 of 36 Old Mar 26th, 2007, 12:10 pm
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insurance rates

I just added a second bike to my policy with Foremost Insurance, through AARP last week, It raised my premium $3.00
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post #8 of 36 Old Mar 26th, 2007, 12:36 pm
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Quote:
Originally Posted by UncleRock
They are all scum bags, progressive, geico etc.
Who does your home owners? Life etc.
I with State farm, at way less than with Progressive and they (PRO) were giving me preferential treatment because they advertised in our magazine.
Rock
I have State Farm home owners, and 4 cars with them....they quoted me $850/yr for my 2002 LT. Progressive was less than half of that WITH road side assistance (SF didn't offer that).
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post #9 of 36 Old Mar 26th, 2007, 12:43 pm Thread Starter
 
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gracias

Quote:
Originally Posted by wyorock
I just added a second bike to my policy with Foremost Insurance, through AARP last week, It raised my premium $3.00

$3 bucks!? That's sick! My bike insurance went up $800 a year for the extra bike, hahaha.

Thanks everyone for getting me started in the right direction. While I don't mind paying a little extra for good coverage, I definitely don't want to just "give" money away for no reason. Thanks again, dk

Last edited by Seattle; Mar 26th, 2007 at 12:54 pm.
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post #10 of 36 Old Mar 26th, 2007, 6:26 pm
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Quote:
Originally Posted by Morley
I have State Farm home owners, and 4 cars with them....they quoted me $850/yr for my 2002 LT. Progressive was less than half of that WITH road side assistance (SF didn't offer that).
Go see your agent.
I have 99LT, 87 K75, 93' Panhead stroker, Aspen Ambasodor pop up, + 10K extra accessories for cameras, laptop etc. all full coverage for less than $700.
Rock

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post #11 of 36 Old Mar 26th, 2007, 6:42 pm
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Insurance

I have State Farm and they give discounts for multiple bikes. They also stack the liability if you have 2or more of the same type of vehicle, auto,cycle. the only thing I may have a complaint with is that they go by engine displacement for the rates. This is good for performance bikes but bad for the big displacement bikes.
I haven't had any claims so I don't know how it would be for bikes, but if it is the same as for cars I don't think I will have any problems since I havent had any with car claims.
Jim
2001 Suzuki Bandit 1200S 50000 mi.
2003 K1200 LTE 48000 mi.
South West Pa. near pittsburgh
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post #12 of 36 Old Mar 26th, 2007, 7:51 pm
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I have four bikes on my Progressive policy. Multi bike discount, cheepest I have found.

05' LT Dark Grey, "Battle Star"
14' KTM 1190
03' KTM 450 EXC Dually
72' Honda SL 100
67' Triumph Bonneville
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post #13 of 36 Old Mar 26th, 2007, 9:07 pm
 
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I am an independent insurance agent, I have seven companies I can write motorcycles through. Progressive and Us Insurance (I don't know if they are in GA) are always the top two. Besides price, they understand motorcycles much better than the others, you would be much happier in the event of a claim with either on of those.
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post #14 of 36 Old Mar 27th, 2007, 3:17 am
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Quote:
Originally Posted by UncleRock
Go see your agent.
I did. That's who quoted me $800. Been with them for 14 years, no tickets, no claims, nada. Probably going to drop them after that quote.
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post #15 of 36 Old Mar 27th, 2007, 8:07 am
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I'm about to drop Progressive. Been with them 7 years and never a claim. No tickets or at-fault accidents either. No change in residence, good credit. The money flow has been one direction, from me to them.

As a valued customer, they rewarded me with a $300 INCREASE in premiums this year, on top of the extra $300 or so they want for replacing the '00 LT with an '05 model.

Homeowners, autos, inland marine, and umbrella with Nationwide. They gave me a quote that was competitive with Progressive, and the liabilities stack by having it in one place. Does not seem like rocket science to me at this point.

Antony (Tripod)
Dallas' Northern Suburbs
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If you want to be happy for a lifetime, ride a motorcycle.

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post #16 of 36 Old Mar 27th, 2007, 11:24 pm
 
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I just added a third bike at a $250 increase on a $659 a year Progressive policy.
Quote:
Originally Posted by dmatson
I have four bikes on my Progressive policy. Multi bike discount, cheepest I have found.
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post #17 of 36 Old Mar 28th, 2007, 12:35 am
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Quote:
Originally Posted by Seattle
...I just purchased a second ride in Atlanta, but Allstate, while having great single bike prices, offers no multiple bike discounts. So with each extra bike, I'm doubling my insurance costs.....
Yup, outrageous! Do they think that you'll be riding two bikes at the same time, or what?!?

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #18 of 36 Old Mar 28th, 2007, 12:45 am
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Quote:
Originally Posted by jayjacobson
Yup, outrageous! Do they think that you'll be riding two bikes at the same time, or what?!?
Apparently so.

Antony (Tripod)
Dallas' Northern Suburbs
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If you want to be happy for a year, marry.
If you want to be happy for a lifetime, ride a motorcycle.

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post #19 of 36 Old Mar 28th, 2007, 6:12 am
 
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You guys should thank your lucky stars you don't live in Taxachusetts where most of those companies won't even provide cover.

We are seriously thinking of moving north of the border to NH or ME as the quote for my RT if we lived there is under $250 compared to $1300 in MA. That's for exactly the same coverage. Go figure...
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post #20 of 36 Old Mar 28th, 2007, 11:27 am
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Insurance costs can vary wildly from state to state, even with the same insurance company. Here in Florida, I was dumbfounded when I found that Progressive wouldn't add a fifth bike to my policy, but instead made me buy a second policy for it! Even though my GS is on a policy all by itself, they still gave me the multi-bike discount on that policy. Strange.

Ruben

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post #21 of 36 Old Mar 28th, 2007, 12:24 pm
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Mmmm.....ya'll sound kindof lucky to me!

I'm paying liberty (AZ) about $2600/year for 3 bikes :

2001 Yamaha FZ1, 25k miles, no collision (just added this one, its 400/yr).
2002 K1200LTC, 82k miles
2006 K1200S, 11k miles

I am paying more for better coverage per their suggestion, ie, the liability coverage I think it is, plus full cov on collision for the beemers.

Still...I'm the only rider in the house, can only drive one at a time so this mentality escapes me. The other issue is my zip code supposedly, we get to pay for the high price of car/bike theft, I think thats a bunch of horsemuffins.

They did warn me price would go up considerably from MI when I moved to AZ, they weren't that cheep in MI either.

I'm just paying because I have kids in college, can't be screwing around, especially if me and the SO get taken out at the same time.

I also never did, ahem, mention that I'm riding 1000/miles/week, I own no cage

So I'm just suckin' it up for now and hoping I never have to use it..

regards...geo
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post #22 of 36 Old Mar 28th, 2007, 1:36 pm
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Each company is different and each state has it's own rules. I have my bikes with Dairlyland. They will put up to 3 bikes on the same policy. I have 1 on one policy and 3 on another. The single policy is more than half what the policy with 3 is. When I started adding bikes the price went down instead of up-that was a bit of a surprise.
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post #23 of 36 Old Mar 29th, 2007, 2:29 am
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Quote:
Originally Posted by haji3
I am an independent insurance agent, I have seven companies I can write motorcycles through. Progressive and Us Insurance (I don't know if they are in GA) are always the top two. Besides price, they understand motorcycles much better than the others, you would be much happier in the event of a claim with either on of those.
Well hell's bells! Let us know what states you offer policies in!

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #24 of 36 Old Mar 29th, 2007, 3:14 am
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Originally Posted by ldbikin
Mmmm.....ya'll sound kindof lucky to me! I'm paying liberty (AZ) about $2600/year for 3 bikes....
Geo, I take it that you've done all the comparison shopping and that is the best price available there?

I'm surprised, because even in the People's Republic of Socialist (Southern) Kalifornia, I wouldn't pay near that for 3 bikes! What's going on in Arizona?

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #25 of 36 Old Mar 29th, 2007, 6:28 am
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I have three bikes insured with Progressive in California. Originally, I had an R-1 and a Kawasaki Nija 250. When I added my LT, I got a nice check back from them. Multi-bike discount, plus they said just by having an LT meant I was a better risk. Hmmmmm. After I got rid of the Ninja, a little research taught me that it was actually cheaper to buy another bike (paid for the bike with the discount) than to sit with only 2 bikes.

Go figure.
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post #26 of 36 Old Mar 29th, 2007, 9:16 am
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Quote:
Originally Posted by Seattle
I need some input from anyone with experience on the best way to insure multiple bikes in the stable.

I just purchased a second ride in Atlanta but Allstate, while having great single bike prices, offers no multiple bike discounts so with each extra bike I'm doubling my insurance costs. That said I would like to collect more but may have to reconsider if this trend continues much longer. In Atlanta anything licensed for the road requires insurance so if I start collecting rides this could really get pricy unless there are some loopholes that I am unaware of? Thanks in advance for yor input. ~dk
Neither does State Farm, but ask around and see who pays the best, no not your buddies, ask PI Lawyers who pays out when you are injured the best.

Also ask each carrier when you add UM what the costs add up to be, I told the Gecko to stop about half way through our vehicles and Progressive was not far off from them once UM was added. and BTW two lawyers have said Progressive was the hardest name brand to collect from for injuries.

That said I won't go with anyone but State Farm (mostly on the advice from attorneys)

They also ended up cheaper than all the other brand name insurance carriers when I added UM and had my house and or renters insurance with them, see they give a multi policy discounts, we have 4 M/C insured and three cars with them and a teenager insured on her own bike and car


take a look here for some insight on MC ins. www.bikershut.net/mc_ins.htm

if I remember correctlyt I passed it by the lawyer at lawbike.com when he was up in suches as well

remember talk to a PI lawyer in your state if you are serious about protecting yourself



Or not...........




Tom

BTW I'm also in GA. but not Atlanta. Outside Dahlonega

Tom

'07 GS Adv (mine), '06 GS <(My brides)
(the only bmw's in the stable)

Last edited by tmgs; Mar 29th, 2007 at 9:45 am.
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post #27 of 36 Old Mar 29th, 2007, 9:28 am
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Quote:
Originally Posted by ldbikin
Mmmm.....ya'll sound kindof lucky to me!

I'm paying liberty (AZ) about $2600/year for 3 bikes :

2001 Yamaha FZ1, 25k miles, no collision (just added this one, its 400/yr).
2002 K1200LTC, 82k miles
2006 K1200S, 11k miles

I am paying more for better coverage per their suggestion, ie, the liability coverage I think it is, plus full cov on collision for the beemers.

Still...I'm the only rider in the house, can only drive one at a time so this mentality escapes me. The other issue is my zip code supposedly, we get to pay for the high price of car/bike theft, I think thats a bunch of horsemuffins.

They did warn me price would go up considerably from MI when I moved to AZ, they weren't that cheep in MI either.

I'm just paying because I have kids in college, can't be screwing around, especially if me and the SO get taken out at the same time.

I also never did, ahem, mention that I'm riding 1000/miles/week, I own no cage

So I'm just suckin' it up for now and hoping I never have to use it..

regards...geo
you probably have much better coverage than most here do as well.
what are your coverages? do you have UM?

no one here can compare untill all is known and policy;s are even, then it depoends on exactly where you live, hell the policy costs are differnt here in the next zip code (a half mile away)

we are in georgia, he is in Atlanta, I bet same company, same insurance limits with UM, same dl record,
same everything his cost are much higher than mine in Georgia

Tom

Tom

'07 GS Adv (mine), '06 GS <(My brides)
(the only bmw's in the stable)
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post #28 of 36 Old Mar 29th, 2007, 11:08 am
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I'm not real good at this insurance stuff (don't pay enuff attention I guess).

But, my liberty agent (when in MI) told me the basic insurance wasnt' enough in case of injury, etc. I'd have to get out the papers this wekend and see what I have, I'll try and remember to do that. I kept the same coverage when I moved to Phoenix. It went up about 60-70% due to location!!

I told her to put it where it should be (blind faith??)...gotta trust somebody I guess. I have all my other insurance with them too. The cars in the family (3, 2 kids, one spouse) run about 5k/year

We live in the fast lane. I don't have time to mess around with insurance companies if something happens. I was with AAA in MI for decades, had some claims and it was never a hassle (one of my bikes burned up in a garage fire). You pay up-front for that type of service I'm afraid.

Regarding AZ, I was told my area code took us down the toilet on insurance costs...it's indiscriminate, I'm just over the peoria border in phoenix, I mean, one street or less and I'm paying for that. 'Due to theft' is the excuse.

I think AZ is doing some insurance investigations for said reasons. I don't believe anything will come out of it.

I have not comparison shopped...yet. Been thinking about it though
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post #29 of 36 Old Mar 29th, 2007, 12:41 pm
 
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Quote:
Originally Posted by jayjacobson
Well hell's bells! Let us know what states you offer policies in!

I only write in NORTH CAROLINA, move here and I am your man!
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post #30 of 36 Old Apr 2nd, 2007, 9:08 am
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from New York

For my new 03 CLC insured with "American Modern Ins. Companies" was $383/yr High option coverage 100/300 with 50/100 Medical and such a little extra for options. When I trashed it turning left in front of a no light cage (early in AM) My fault, bike totaled $15679 and $1700 pay out to cager. His car totaled as well. My rate went to $748 on 04 CL replacement. rate stayed the same when traded for K1200LT. Adding 1983 R80RT Lowered total rate for both to 538/yr
New York is hard on most things. This seems reasonable
Just changed to MetLife for home and auto, They could not even come close for Coverage on bikes. wanted over $750 just for bikes

Toby in New York
1983 R80RT Red (sold)
'03 R1200CLC (T-boned and replaced with)
'04 R1200CL Sidestand problem, BMW traded me for
'05 K1200LT. Goldie, Priceless
Lusting after K1600 GTL
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post #31 of 36 Old Apr 2nd, 2007, 5:50 pm
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My 2000LT costs me $114 per year (full coverage with $250 comp/collision deductibles) with Dairyland Insurance Company. Dairyland does offer a 15% multi-bike discount and provides $5000 of accessory coverage at no additional premium (nice of you pull a $3500 trailer with your bike). They also offer a 10% discount if you belong to certain motorcycle clubs/organizations; BMWMOA is one of the "approved" clubs.

Keep in mind that insurance rates vary widely with location, rider age, credit score, make and model of cycle, and your driving history (tickets, accidents, claims, etc.). I believe Dairyland offers coverage in most states. Contact an independent agent and ask them if they represent Dairyland and ask for a rate quote.
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post #32 of 36 Old Apr 2nd, 2007, 8:02 pm
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Pretty much pleased

Say what you want about the Geco but I did a bunch of comparison shopping after moving to TX from AZ and finding that Progressive didn't want to insure my (3) bikes here. Geico was the least expensive and when I was hit by a left turner, paid off in less than 3 weeks, 110% of what I paid for my '05 LT PLUS the taxes (high sales tax here.) The problem came when the sheriff's lt. who 'investigated' (using the term loosely) my accident made it my fault. Insurance went up and I've shopped around again but Geico is still the cheapest given the accident surcharge. Farmers and State Farm both just laughed when I mentioned motorcyce insurance. So I say go with what works best for you, it will depend on your state, your age, your choice of bike, etc. depending on the company.

Just old, clutchless and clueless
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post #33 of 36 Old Apr 3rd, 2007, 5:15 am
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Quote:
Originally Posted by tobiwan
For my new 03 CLC insured with "American Modern Ins. Companies" was $383/yr High option coverage 100/300 with 50/100 Medical and such a little extra for options. When I trashed it turning left in front of a no light cage (early in AM) My fault, bike totaled $15679 and $1700 pay out to cager. His car totaled as well. My rate went to $748 on 04 CL replacement. rate stayed the same when traded for K1200LT. Adding 1983 R80RT Lowered total rate for both to 538/yr
New York is hard on most things. This seems reasonable
Just changed to MetLife for home and auto, They could not even come close for Coverage on bikes. wanted over $750 just for bikes
I would dispute that you were at fault in this scenario. You're obligated to yield to oncoming traffic when making a turning maneuver, of course. It's really hard to yield to oncoming traffic WHEN THEY'RE INVISIBLE, however! I don't think that you would have turned right in front of oncoming traffic if you had even a clue this guy was coming at you!

I SO KA, we get these clowns all the time. It's near dawn, they're driving with no lights on, in a light colored car. They blend in with the back ground to the point of being invisible. The idiot cager never has a clue--until a semi is being down on his ass!

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #34 of 36 Old Apr 3rd, 2007, 8:51 am
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Ok, chew on this, finally got the info on my coverage:

I'll list the 02 LTC first, the 06 K1200S right after it;

Liability, bodily injury, $323, 323, 50k ea person, 100k each accident, same for both bikes.

Uninsured motorists; Bodily injury, $97, 97.....50k each person, 100k each accident, same for both bikes.

Underinsured motorists, bodily injury; $43, 43, 50K ea person, 100k ea accident.

Collision, actual cash value less deductable (500), $258, 329

Other than collision actual cash value less deductable (500); $289, 347

LTC total: $1010, K12S total, $1139.

that really looks sick on paper!!

And that doesn't count the $400/yr for liability on the 2001 Yamaha FZ1.

adios...geo
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post #35 of 36 Old Apr 3rd, 2007, 8:16 pm
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Exclamation I did protest and

Quote:
Originally Posted by jayjacobson
I would dispute that you were at fault in this scenario. You're obligated to yield to oncoming traffic when making a turning maneuver, of course. It's really hard to yield to oncoming traffic WHEN THEY'RE INVISIBLE, however! I don't think that you would have turned right in front of oncoming traffic if you had even a clue this guy was coming at you!

I SO KA, we get these clowns all the time. It's near dawn, they're driving with no lights on, in a light colored car. They blend in with the back ground to the point of being invisible. The idiot cager never has a clue--until a semi is being down on his ass!
When I took it to the Judge to question the ticket at trial, I brought pics of the car and the Judge and DA were amazed I was in one piece. The DA reduced the ticket to a no point citation and judge $20 fine and $25 surcharge for the state fund.

I sort of figured a cheap lesson to look better in all situations

Toby in New York
1983 R80RT Red (sold)
'03 R1200CLC (T-boned and replaced with)
'04 R1200CL Sidestand problem, BMW traded me for
'05 K1200LT. Goldie, Priceless
Lusting after K1600 GTL
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post #36 of 36 Old Apr 3rd, 2007, 11:13 pm
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Location: We LOVE illegals and Socialists, Sunny, Southern Kommyfornia,
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Originally Posted by tobiwan
When I took it to the Judge to question the ticket at trial, I brought pics of the car and the Judge and DA were amazed I was in one piece. The DA reduced the ticket to a no point citation and judge $20 fine and $25 surcharge for the state fund.

I sort of figured a cheap lesson to look better in all situations
Toby, it's outrageous that you EVEN received the citation in the first place! At least the judge and DA seemed a BIT reasonable.

There is no way I would ever list you as P-1 (party 1/at fault) in the t/c scenario that you described. I cannot even begin to count the number of times I've almost been hammered by one of these clowns driving w/o lights!

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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