Insurance providers in California?

Discussion in 'West – California, the desert southwest and whatev' started by FireStrings85, Aug 26, 2013.

  1. FireStrings85

    FireStrings85 Adventurer

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    Can you guys recommend a good provider for motorcycle insurance in California? I could use an awesome quote for less than $400 :eek:)
    #1
  2. kubiak

    kubiak Long timer

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    i have state farm. i pay around 27 a month for full coverage.
    #2
  3. trc.rhubarb

    trc.rhubarb ZoomSplat!

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    Call Mike Felder (925) 687-8045
    He's a broker and a rider.
    He only sells motorcycle insurance, only in CA and works without fee to you.
    He's been cheaper for me than anywhere else I've looked and is a good guy.

    Looks like his webguy let his website die but he's still out there.
    #3
  4. tom28734

    tom28734 Adventurer

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    Progressive has been great for me in several states. California and Oregon included. By FAR the best price, and they support motorcycling in many ways.
    #4
  5. trc.rhubarb

    trc.rhubarb ZoomSplat!

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    A note on that. Progressive direct was more than double what I got it for through the broker I listed.
    I'm not normally so behind an insurance guy but I had a small accident (my fault) and rates went through the roof... from 700/year to over 3k/year. He got them back to 700. (keep in mind, full coverage for 3 bikes)
    #5
  6. cug

    cug --

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    When I priced out my bikes with Progressive a while back, they were about 30% more than Geico when I tried to get them to similar coverage.

    One thing you need to know about Geico, they don't cover riding gear other then helmet, and they don't*(always) cover additions to the bike like aftermarket luggage and so on. You can explicitly include these with Progressive. I'm still with Geico, mainly because I didn't have any bad experience with them and secondly, even if I count an incident every few years, with the money I save compared to Progressive, I can buy new gear every three years anyways (and that's the most expensive BMW brand gear).
    #6
  7. double_entendre

    double_entendre Ticking away the....

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    Fwiw, my wife is in the insurance industry and she thinks State Farm has the fewest fine print "oh we don't cover that" carve outs. Not necessarily the cheapest, but competitive and better coverage.
    #7
  8. cug

    cug --

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    Not sure it was State Farm or something else that sounded agricultural, but a few years back I called an insurance for a quote and it was about five times of what I paid at Geico for my GS. Wasn't even worth thinking about it and I regretted the 10 minutes on the phone with them.
    #8
  9. tjt94

    tjt94 Been here awhile

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    Markel American. I pay around $220 per year for full coverage.
    #9
  10. TUCKERS

    TUCKERS the famous james

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    Call James Tucker at AAA in Cerritos....he'll give you a quote...everybody likes AAA..ask for James by name, he'll treat you right.
    #10
  11. EJ_92606

    EJ_92606 Rider

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    Same experience here...Progressive jacked my rates so I switched to Geico and saved a bunch. Nice web interface as well.
    #11
  12. 1200gsceej

    1200gsceej Long timer

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    I gotta ask: "Quote for what coverage?"
    Do you mean the minimum that the state requires?
    That is basically money to pay the other party when you are at fault. But is not enough to cover a lawsuit if you did something really bad.
    There is nothing for your bike; nothing for your body.
    Is that really what people want? and buy?
    And if you do want something to cover damage to your bike, the cost would certainly depend upon some factors of the bike, e.g. displacement and type.
    So I just do not understand when someone wants a "quote for less than $400".
    Note - I'm not trying to start a flame war; not picking on the OP.
    -ceej
    #12
  13. DanMesloh

    DanMesloh Grumpy old man

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    Pacific Specialty, $375 for full coverage and uninsured motorist on my 06 R1150GSA
    #13
  14. SJSharkfan

    SJSharkfan Been here awhile

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    It all depends on your driving history, age etc. but the best I've been able to find is with State Farm. Last time I shopped around was 2 years ago. BTW that is the only policy I have with them.
    #14
  15. double_entendre

    double_entendre Ticking away the....

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    :dunno

    Maybe you're not insuring enough?

    We've got the house, three bikes and two cars with them plus excellent driving records. She has told me that if one of us (read: I) get a ticket, our rates will go way up.
    #15
  16. cug

    cug --

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    You mean three bikes, two cars, a house is not enough? Oh, and plus excellent driving records (no tickets, no at fault claims, no moves in five years, MSF classes, ...).

    I'm not totally sure, it might not have been State Farm. Could have been Farmers, or Dairy Land, ... I really just recall it was "something agricultural". :lol3

    And to be honest: I'm not unhappy with Geico, other than that they don't cover riding gear other than helmet. Good experience with them, pretty much all possible discounts.

    Also, you can't say that one insurance company is generally cheaper than the other even for the same bike and rider as they sometimes classify bikes differently. In 2009 I checked a Yamaha FZ6, one insurance was something like $1500 for full coverage, another was $600. Same bike, same rider, same address, extremely similar coverage. Then a different bike was just the other way around.

    You pretty much have to shop around even if you're just switching bikes. When the Tiger 800 came out here, some insurers classified the non-XC as a sportbike while others classified it as a tourer or dual sport. Makes a HUGE difference in the price.

    Oh, and I just checked Progressive vs. Geico for our current bikes (2013 R1200R, 2014 R1200GS) ... about $1000 more per year than Geico. We'd have to crash often to make the gear coverage worthwhile. And so far, we didn't crash often.
    #16
  17. lvscrvs

    lvscrvs Been here awhile

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    +1 - got great rates for me and a good guy
    #17
  18. Rapid Dog

    Rapid Dog bikes, booze, broads...

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    ...best of the best, a guy who will go the extra mile to save you, and he's a motorcyclist.
    Been my main man for over 10 years.


    Mike Felder Insurance
    2465 Salvio #d
    Concord, CA 94520
    (800) 729-2537
    #18
  19. Jenn

    Jenn praise seitan!

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    #19
  20. First Gear Feet Down

    First Gear Feet Down Adventurer

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    Gieco hands down.
    #20