How much do you pay for insurance? - BMW Luxury Touring Community
 
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post #1 of 17 Old May 7th, 2010, 5:40 pm Thread Starter
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How much do you pay for insurance?

I own a 2009 LT and live in South Carolina. Progressive just sent me my yearly premium for coverage with 500 deductible for $561.00. Anyone in South Carolina have an insurance company they like that has a better premium?
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post #2 of 17 Old May 7th, 2010, 5:59 pm
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Re: How much do you pay for insurance?

I pay $449.24 for a 2009 RT through State Farm.

$500 deductible comprehensive
$1000 deductible collision

Dave

2010 K1300GT
2009 1200RT
2005 GL1800
1992 ZX-10
1984 500 Interceptor
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post #3 of 17 Old May 7th, 2010, 6:34 pm
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Re: How much do you pay for insurance?

Check with Foremost Insurance. I too had Oppressive on my old bike and just casually added the LT to it. Until they sent me a premium notice for $880 USD!!! Foremost charged $339 annually for the same coverage.

BUT the $339 Foremost premium didn't last for long........ Got my renewal and my premium is now $279 per year! They modified my premium because I had been with them for 1 year with no claims! I figure in about 3-5 more years they will be sending me a check!

BTW this is the old mans rate through AARP! Good driver, many years in the saddle, no accidents, no tckets, AND a premium added to the policy for the sidecar.

One of the best deals I've ever found on anything! Nice folks on the phone too!

Loren

The rate in your state will likely be different but if the ratio is the same what the heck!!!

WAK1200LT
Loren

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post #4 of 17 Old May 7th, 2010, 7:48 pm
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Re: How much do you pay for insurance?

Here in Texas I have Dairyland & pay $195.00 a year for full coverage on a 2000 LT. I too get the old fart & good driver discounts.

Stevie Shreeve

Last edited by katnapinn; May 8th, 2010 at 8:35 am. Reason: spelling
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post #5 of 17 Old May 8th, 2010, 8:03 am
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Re: How much do you pay for insurance?

Ocean City, MD and I have Progressive and have paid $103.00 for years on my '99LT with full coverage and pretty high deductibles. I am old and broken by life so I get all the discounts. The state, your age and driving record are the determinants.
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post #6 of 17 Old May 8th, 2010, 8:51 am
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Re: How much do you pay for insurance?

Progressive in AL 76 Suzuki GT 750, 2005 K1200LT, and 2009 R1200 GS for $574 a year (250K,500K,100K Collision and Comp on all three w/agreed value on the Suzuki).


Progressive won't tell you unless you ask but if you show you are a home owner they give a pretty good discount, they also give a discount for rider safety courses.

John
2009 K1300GT Red Rocket
2009 R1200GS (Gone)
2005 K1200LT Ocean Blue Blue Wizard 110 K and counting...
2006 Bushtec Turbo+2 Spell
2004 330 Ci Convertable
K4AN

Have ridden a Motorcycle in all 48
But lack DE, MA, RI and CT with the 2005 LT

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post #7 of 17 Old May 8th, 2010, 10:06 am Thread Starter
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Re: How much do you pay for insurance?

I just got a quote from Dairyland insurance. My 09 LT with good coverage and 500 deductible in South Carolina is $461.00 annually. How does Dairyland pay in the event of an accident? Good to deal with or difficult?
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post #8 of 17 Old May 8th, 2010, 10:40 am
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Re: How much do you pay for insurance?

Alberta Canada
Wawanesa
Full coverage
year round
800.00

2000 BMW 1200LT

Eric von Laue

3Cyl Kawa ( a long time ago)
450 Yamaha Seca ( maybe it was a Maxim )
1100 Honda Magna
650 Honda XR ( to Guatemala and back)
1990 Honda PC800 ( Mountain Mama )
2000 BMW 1200LT ( Maxamillion )

Keep the rubber side down
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post #9 of 17 Old May 8th, 2010, 6:03 pm
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Re: How much do you pay for insurance?

You'all have it made! In Florida with full coverage ( including uninsured motorist) I pay around $1,000 a year. That's with the general discounts, no accidents, three vehicles and all other insurance with the same carrier, State Farm. I've shopped around and with full coverage, they are about the cheapest. I've had coverage with them for over 20 years....

Dano
Tampa, Fl.

12 K1600 GTL
02 K1200 LT (gone but not forgotten)
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post #10 of 17 Old May 8th, 2010, 6:32 pm Thread Starter
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Re: How much do you pay for insurance?

Woah, I just got a quote from Allstate for 333.00 year will all the same limits as the others in SC. Anyone had any bad experiences with Allstate? If i let them insure my cars, the motorcycle yearly premium drops to an amazing 235.00 per year in SC., and they are lower on my cars. Thinking really hard about changing to them unless others have had a bad experience.....
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post #11 of 17 Old May 9th, 2010, 9:14 am
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Re: How much do you pay for insurance?

Got a really good quote from Progressive on Friday for $245.00 a year. Comp and collision full coverage w/ a $500.00 deduct.


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post #12 of 17 Old May 9th, 2010, 9:49 am
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Re: How much do you pay for insurance?

Hi guys -- New rider ---- 46 years old -- 2002 LT - Progressive - 100 ded. & even & 5,000 for the kids riding any other bike /quad anytime -any owner---- 38.00 per month when riding.
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post #13 of 17 Old May 9th, 2010, 7:26 pm
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Re: How much do you pay for insurance?

Hmmmmmm as he scratches his head. I live in Myrtle Beach and full coverage on a 99LT, an 01 LT and a KLR650 with $3000 accessory coverage on each bike through progressive and pay $583 per year. No claims, with them 10 years, only do the bikes with them.

Jeff in Myrtle Beach
'01 LTC
'99 Icon champagne
'02 KLR 650
TZ 185 2 stroke
Honda R100R beater

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post #14 of 17 Old May 10th, 2010, 2:12 pm
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Re: How much do you pay for insurance?

Well, with three bikes; 2000 LTC, 07 DR650, and an 88 Concours, I pay less than $300.00 for full coverage on all of them. Now this is in Georgia with ol fart and good driver discounts.

tcars
John

John Carver
K1200LTC, AMA, BMWMOA
Greensboro, GA

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post #15 of 17 Old May 10th, 2010, 3:10 pm
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Re: How much do you pay for insurance?

I have Allstate in TX. This yr it went down from 260 to 170 yr (100/300/50) with multiple policys, good rider,etc...no claims

______________
David <///><
Dallas, TX
2003 K1200LTE
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post #16 of 17 Old May 10th, 2010, 9:44 pm
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Re: How much do you pay for insurance?

Foremost for me. First year $327.00 second year it dropped down to $248.00. That for an 05 with a 500.00 deductible
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post #17 of 17 Old May 10th, 2010, 11:56 pm
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Re: How much do you pay for insurance?

We will pay $463 for my 2003 LT and my partner's 2000 R1100RT. We have been with Progressive for several years when it became clear that State Farm really did not want our business. This is for 250/500/100 on liability, 250/500 un/underinsured and $0 deductibles on both comp and collision (Prog has a "disappearing deductible program if you have no claims, they were originally $250 on each) and $1000 medical payments.

As someone else said, it is almost pointless to compare premiums across state lines. It's like trying to compare mobile phone plans or airfares, there are just too many variables. The key is to shop around and find what is best in your area.
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