1. keepshoveling

    keepshoveling Long timer

    Joined:
    Oct 9, 2014
    Oddometer:
    3,518
    Location:
    NYC
    Just shop around. It’s really just who wants more of your particular risk profile. Progressive ended up being best for me.
    MFP likes this.
  2. motorock

    motorock Explorer

    Joined:
    Sep 16, 2013
    Oddometer:
    794
    Location:
    NYC
    Yeah, just shop around. You never know which one will give the lowest- while Geico was super high for me, it was super low for a friend of mine. I went with Dairyland but State farm was willing to provide a good deal- the renewal just happened and for sticking with Dairyland, my payments went down even though there was a claim this year and 2 last year!
    MFP and keepshoveling like this.
  3. john.thorp

    john.thorp Titan of Industry

    Joined:
    Jul 6, 2012
    Oddometer:
    58
    Location:
    NYC
    Seconded. Shopping around isn't actually as hard as it sounds either. These guys WANT to sell you stuff, so getting a quote is actually pretty no-nonsense. Would also check out Allstate if your record is squeaky clean. They're around the same price as others last time I shopped, but IIRC, they offer way more flexibility with their coverage. Progressive and Geico, it's basically liability only or comprehensive. You don't really get to pick and choose from collision, theft, fire/flood, etc.
    MFP likes this.
  4. jprodun

    jprodun Been here awhile

    Joined:
    May 8, 2013
    Oddometer:
    221
    I also had a lot more luck getting a better quote online than over the phone.


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  5. GHO100

    GHO100 Crazy George

    Joined:
    Apr 7, 2009
    Oddometer:
    1,416
    Location:
    Brooklyn
    Is anyone still offering gear coverage? Helmet, jacket, gloves, etc?

    Sent from my A0001 using Tapatalk
  6. dlearl476

    dlearl476 Two-bit Throttle Bum

    Joined:
    Oct 5, 2005
    Oddometer:
    43,102
    Location:
    Between Here and There
    I think they all do. My Geico policy I can elect up to $5000 in accessories. I carry $2500.
  7. GHO100

    GHO100 Crazy George

    Joined:
    Apr 7, 2009
    Oddometer:
    1,416
    Location:
    Brooklyn
    I'm going through a claim with geico right now, and you should get that clarified. They are covering my helmet, and hard parts installed in the bike, but that's about it. Even my tank bag was a no. Definitely no coverage for jacket, pants, gloves, boots or airbag

    Sent from my A0001 using Tapatalk
  8. MFP

    MFP Urbaner

    Joined:
    Sep 10, 2014
    Oddometer:
    677
    Location:
    En Why Cee
    Last night I called Progressive and earlier today I called State Farm and the process of getting a policy quote from both was excruciating.
    So far my current ins. GEICO is the cheapest quote I received.
    Once you get to 1000cc or over things get real $ when registered within NYC.
    In all my years of riding I have never owned a liter bike. :(
    Can't even imagine what the $ would be if I was younger and had a ticket or two.
    Next up, Dairyland.
    BTW, not looking at a sport bike, interested in an adventure bike which I thought would have less of a risk rating.
  9. dlearl476

    dlearl476 Two-bit Throttle Bum

    Joined:
    Oct 5, 2005
    Oddometer:
    43,102
    Location:
    Between Here and There
    Was it damaged, lost?

    When the nice adjuster guy came out to inspect my Monster after it was backed over he allowed my $2500 accesory coverage to cover my custom paint, which was nice because it saved it from behind totaled.
  10. CMantis

    CMantis Been here awhile

    Joined:
    May 9, 2008
    Oddometer:
    129
    I miss Rider Insurance was super cheap until they reclassified certain bikes including my own. Switched to Progressive but car is with Geico. Geico just wanted much more for either bike. You dont wanna know what im paying but isnt NYC rates...
    SnickterP likes this.
  11. Rectaltronics

    Rectaltronics Barned

    Joined:
    May 29, 2008
    Oddometer:
    14,156
    Location:
    New York F'ing City
    Haha, I remember when Rider insured my RZ-350 in Queens for something like $170/year because it was under 350cc... :lol3
    SmittyBlackstone likes this.
  12. MFP

    MFP Urbaner

    Joined:
    Sep 10, 2014
    Oddometer:
    677
    Location:
    En Why Cee
    Gotta love those old Yammy RZ/RD stink bikes!
    "I love the smell of Bel-Ray in the morning!"
  13. RichBeBe

    RichBeBe All Hail Seitan!!!

    Joined:
    Mar 13, 2004
    Oddometer:
    6,774
    Location:
    NYC
    I have four bikes insured with Progressive through USAA and full coverage on all of them. All are small:
    XT225
    BV250 scooter
    KTM 300XC
    DR650 and my policy with discounts and paying in full is $289 a year. It has been creeping up from $225 :rofl
  14. MFP

    MFP Urbaner

    Joined:
    Sep 10, 2014
    Oddometer:
    677
    Location:
    En Why Cee
    From what I have heard from folks that have ins. through USAA for their vehicles the rates at all levels are much lower then the standard ins. policy costs.
  15. jprodun

    jprodun Been here awhile

    Joined:
    May 8, 2013
    Oddometer:
    221
    Has anyone ever had to file a claim with Dairyland? I know they’re cheap, but wonder if they pay out alright.


    Sent from my iPhone using Tapatalk
  16. Rectaltronics

    Rectaltronics Barned

    Joined:
    May 29, 2008
    Oddometer:
    14,156
    Location:
    New York F'ing City
    Went cross-country on my RZ and one saddle bag was dedicated to a gallon container of Yamalube.
  17. MFP

    MFP Urbaner

    Joined:
    Sep 10, 2014
    Oddometer:
    677
    Location:
    En Why Cee
    Now that must have been an epic road trip.
    Was the RZ equipped with clip-ons and rear-sets?
  18. Rectaltronics

    Rectaltronics Barned

    Joined:
    May 29, 2008
    Oddometer:
    14,156
    Location:
    New York F'ing City
    Pretty much stock except for a Passport, fairly streetable chambers (Spec-II) and some minor head work.

    I would trash my friend with his CBR-600. Poor bastard, having to end up behind me and eating Yamalube.

    And I got better gas mileage too!

    I carried a spare set of Wiseco pistons/rings and enough tools to do the top end if necessary. Slight overkill.

    I did get sick of having to clean that f***ing YPVS widget all the time. And NYC's third-world streets broke three front gauge/cowl stays.

    Fun times.
    SmittyBlackstone likes this.
  19. MFP

    MFP Urbaner

    Joined:
    Sep 10, 2014
    Oddometer:
    677
    Location:
    En Why Cee
    Passport as in Escort radar detector?
    CBR-600 aka "Baby Hurricane" ?
    Must have been in the late '80s. :thumb
  20. Rectaltronics

    Rectaltronics Barned

    Joined:
    May 29, 2008
    Oddometer:
    14,156
    Location:
    New York F'ing City
    Well, the RZ was mid-eighties, so... duh, yeah.

    :D

    Only one performance reward too!

    For some reason the cop thought that me doing 70+ in a 50, at night, in thick fog with about eight feet of visibility, with deer wandering everyone, was not safe. I chose not to argue his assertion.