Scooter Insurance Fun

jcolombo · 11-18-2005, 03:39 PM

So I call Progressive to add the Stella to the Policy. No comprehensive, $500 theft deductable, full liability. Agent notes that new rate will include multi-bike discount - excellent. Bottom line:

Pre-Stella (2005 BMW R1200GS): $784

Post-Stella (only change adding Stella): $670 (!)

Wow. The hobby is getting cheaper and cheaper...

JC

Bueller · 11-18-2005, 05:59 PM

Quote:

Originally Posted by jcolombo

So I call Progressive to add the Stella to the Policy. No comprehensive, $500 theft deductable, full liability. Agent notes that new rate will include multi-bike discount - excellent. Bottom line:

Pre-Stella (2005 BMW R1200GS): $784

Post-Stella (only change adding Stella): $670 (!)

Wow. The hobby is getting cheaper and cheaper...

JC

Excellent news! Imagine how much cheaper it will get when you find a replacement insurance company. Progressive sucks! Go ahead, ask me how I know...

PassTheGravy · 11-19-2005, 07:31 AM

Wow. If you buy 4 or 5 of them, your insurance might be free! Or maybe Progressive will even write YOU a check every month.

EatAtJoes · 11-19-2005, 08:19 AM

Dairyland full coverage, $500 deductible
2005 Honda Ruckus
$30/year

Photog · 11-19-2005, 09:06 AM

Quote:

Originally Posted by EatAtJoes

Dairyland full coverage, $500 deductible
2005 Honda Ruckus
$30/year

Amazing.

EatAtJoes · 11-19-2005, 09:12 AM

Quote:

Originally Posted by Photog

Amazing.

And there was no increase in the premium after my first one was stolen.

Bueller · 11-19-2005, 12:56 PM

Quote:

Originally Posted by EatAtJoes

And there was no increase in the premium after my first one was stolen.

Reverse discrimination - it's because you're black, isn't it...

RedRocket · 11-19-2005, 04:39 PM

Quote:

Originally Posted by PassTheGravy

Wow. If you buy 4 or 5 of them, your insurance might be free! Or maybe Progressive will even write YOU a check every month.

When I added my 3rd bike to my Progressive policy they sent me money back.
The 4th added $ 17. Unfortunately when I got my 5th, I was pissed because they'll only insure 4 bikes to a policy.

EatAtJoes · 11-20-2005, 10:41 AM

Quote:

Originally Posted by Bueller

Reverse discrimination - it's because you're black, isn't it...

My avatar is James Brown.

I be white.

Bueller · 11-21-2005, 04:54 AM

Quote:

Originally Posted by EatAtJoes

My avatar is James Brown.

I be white.

I already knew that. Do you think I would have said that if you were really black?

jcolombo · 11-21-2005, 08:05 AM

Quote:

Originally Posted by Bueller

Progressive sucks! Go ahead, ask me how I know...

How do you know?

I've looked around, but not seen much of a better deal in CA. I know some people like Sentry, but they don't do CA policies.

JC

Bueller · 11-21-2005, 08:36 AM

Quote:

Originally Posted by jcolombo

How do you know?

I've looked around, but not seen much of a better deal in CA. I know some people like Sentry, but they don't do CA policies.

JC

I don't know what all of your choices are in CA, but I have lots of personal experience with progressive and crash repairs. When I was in the auto biz it was always State Farm that was a pain in the asses of the customer AND the repair shop. They were always trying to cheapen the repairs, often to the point that the repairs were sub-standard in terms of parts and/or labor. In fact, they got smacked by the law over forcing the use of non OEM repair parts.

Now that I'm in the motorcycle business Progressive is the one insurer I consistently have issues with. It doesn't matter what the estimate says, they always try to negotiate it down. Earlier this year they disallowed the use of a replacement factory fender on a bike we were repairing, and had us send the damaged sheet metal to a painter in Indianapolis. It took three different tries for them to match the color and lay an *adequate* paint job. All the while they were tying up a rack in our shop while the bike was down, and they prolonged the repairs by almost a month. That was an extra month the customer didn't have their bike during riding season.

I used to be insured with them myself, but now I want nothing to do with them.

jcolombo · 11-21-2005, 10:45 AM

Wow, that's great to know...

Given the "inside" view, are there some names that you like? I would rather pay a bit more now and know that I'm really covered in case I actually need the insurance.

Thanks.

JC

Bueller · 11-21-2005, 12:14 PM

Quote:

Originally Posted by jcolombo

Wow, that's great to know...

Given the "inside" view, are there some names that you like? I would rather pay a bit more now and know that I'm really covered in case I actually need the insurance.

Thanks.

JC

Again, I don't know who writes m/c in CA. I have been happy with Nationwide, both personally and professionally. But I know not everyone shares that view. Their m/c insurance used to be relatively expensive, but just this year they came out with a new program that significantly reduced my rates for the same coverage.

Dairyland has a decent reputation, and my brother claims that farmers insurance gave him by far the best deal on sport bike insurance.

11-18-2005, 03:39 PM	#1
jcolombo ^OP Lurking Moderator Joined: Jul 2001 Location: SF Bay Area, CA Oddometer: 1,248	Scooter Insurance Fun So I call Progressive to add the Stella to the Policy. No comprehensive, $500 theft deductable, full liability. Agent notes that new rate will include multi-bike discount - excellent. Bottom line: Pre-Stella (2005 BMW R1200GS): $784 Post-Stella (only change adding Stella): $670 (!) Wow. The hobby is getting cheaper and cheaper... JC

11-19-2005, 08:19 AM	#4
EatAtJoes Ed Venture Heir Joined: Jul 2004 Location: Nebraska - The Last Coast. Oddometer: 6,771	Dairyland full coverage, $500 deductible 2005 Honda Ruckus $30/year __________________ "They killed Ed Venture for *what*?" - Kowalski "For not being alive." - Savage Henry

11-21-2005, 10:45 AM	#13
jcolombo ^OP Lurking Moderator Joined: Jul 2001 Location: SF Bay Area, CA Oddometer: 1,248	Great information... Wow, that's great to know... Given the "inside" view, are there some names that you like? I would rather pay a bit more now and know that I'm really covered in case I actually need the insurance. Thanks. JC

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11-19-2005, 07:31 AM	#3
PassTheGravy Studly Adventurer Joined: Jan 2004 Location: Dallas, Texas Oddometer: 755	Wow. If you buy 4 or 5 of them, your insurance might be free! Or maybe Progressive will even write YOU a check every month.