Oregon MC insurance?

Discussion in 'Pacific Northwet - Where it's green. And wet.' started by markgsnw, Feb 28, 2014.

  1. markgsnw

    markgsnw WTF?

    Joined:
    Jan 15, 2002
    Oddometer:
    3,592
    Location:
    Portland, Oregon US
    Can anyone in Oregon recommend a MC insurance provider?

    My wife just pointed out to me that I'm paying $80/month for MC insurance on the Norge through Liberty Mutual, nearly $1000/year. I do have fairly robust insurance, and when I've checked carriers in the past who advertise MC insurance, they have been even higher. BTW, I have zero recent citations or accidents. I realize that there is a great variety of coverage levels.


    Any suggestions? Thanks!
    #1
  2. Scott_PDX

    Scott_PDX Leisure Engineer

    Joined:
    Oct 18, 2010
    Oddometer:
    3,990
    Location:
    Portland...the newer one on the left side.
    Progressive.

    Even worked with them on a claim and it was handled very smoothly.

    Plus I can call flo and make changes at 9:45 on a Sunday night instead of track down an agent during business hours.
    #2
  3. WB-PDX

    WB-PDX Long timer

    Joined:
    May 11, 2008
    Oddometer:
    3,744
    Location:
    Where young people go to retire
    +1, used them for 8 years, never a problem. Never able to find a better deal.
    #3
  4. caminante

    caminante Adventurer

    Joined:
    Feb 6, 2014
    Oddometer:
    18
    Location:
    The Emerald City
    I've had insurance through three providers: Progressive, USAA, and Geico. All have been fine.
    Geico is the only one I had to make a motorcycle claim through and drop-to-check was about six weeks for a totalled bike. :(:
    #4
  5. zedx9

    zedx9 Been here awhile

    Joined:
    Dec 21, 2007
    Oddometer:
    288
    Location:
    Central Oregon
    I just switched from Liberty Mutual to Allstate about 10 months ago. I had Progressive for a while but they pulled a slippery move so I dropped them. Allstate beat Progressive on my two scoots. YMMV
    #5
  6. markgsnw

    markgsnw WTF?

    Joined:
    Jan 15, 2002
    Oddometer:
    3,592
    Location:
    Portland, Oregon US
    Wow, I just checked Allstate's on line quoterator, their high zoot plan is about half of what I'm paying now. Good stuff.
    #6
  7. Almost There

    Almost There Up, up, and away

    Joined:
    Nov 23, 2009
    Oddometer:
    357
    Location:
    NW Oregon
    Progressive has always been cheaper for me.
    #7
  8. soyanarchisto

    soyanarchisto Long timer

    Joined:
    Sep 1, 2005
    Oddometer:
    3,634
    Location:
    Sunny PDX
    another progressive customer
    #8
  9. peterman

    peterman cop magnet

    Joined:
    Jan 2, 2006
    Oddometer:
    14,130
    Location:
    Springfield,,,,like the Simpsons,,,orygun
    progressive here also,,buy it by the year, paid in full, and always renew before expiration,,:deal,,,multiple bikes get a discounted rate.
    I go full coverage on all bikes, regardless of worth.
    I told my agent, "if a tree falls on my bike, or it gets covered by a rock slide, stolen, burned in a forest fire or washed away in a flood, or the seat gets eaten by bears,,,I want a replacement!"
    She asked, "does this happen often?":huh

    Maybe not,,, but I am covered if things go OhShit!, plus some added, tho limited, roadside assistance,,,but you'll only need that if you ride a BMW!:1drink
    #9
  10. smilin jack

    smilin jack Grandpa Adventurer

    Joined:
    May 8, 2008
    Oddometer:
    1,235
    Location:
    Lebanon Oregon
    Foremost Insurance works for me. $80/year (full coverage, fire, theft etc) on the CB250 and $142/year on the DR (full coverage, fire, theft etc). Have had them for about 8 years now.

    Maybe it makes a $$$ difference that I'm a grandpa rider with no tickets.

    Dave
    #10
  11. oldmonkeybut

    oldmonkeybut Digital Emigrant

    Joined:
    Jan 5, 2009
    Oddometer:
    2,744
    Location:
    Western Rain county, Oregon
    Dairyland has been very good to me for a long time. I have three bikes with them. A R1200GSA, XR650L and my TC185. No problem with a major claim. Didn't drop me or jack my rates. They did refuse my 450 KTM so I went with Progressive for that. Neither one of them wanted anything to do with my Ural so it is with State Farm.
    #11
  12. effensteve

    effensteve Enjoying the ride

    Joined:
    Feb 10, 2010
    Oddometer:
    765
    Location:
    The far east (of Oregon)
    progressive for me. decent rates and good service. The claims agent actually took an adv ride report to verify the damage on my old klr and sent me out a check within 10 days payable to me. Great experience
    #12
  13. EmptiMind

    EmptiMind Stoopid Youngin'

    Joined:
    Apr 29, 2011
    Oddometer:
    555
    Location:
    PNW
    Washington guy now, but when I lived in Oregon same thing. Progressive. They gave the best rates. I've had one claim, and it was incredibly easy and was cut a check within a week.
    #13
  14. Mr Dual Sport

    Mr Dual Sport Roamer

    Joined:
    Apr 23, 2011
    Oddometer:
    2,018
    Location:
    .
    State Farm for me. I've had the same agent for almost 18 years now. Under $300 a year for liability, comprehensive, uninsured motorist, and $15,000 of personal injury with no deductable. I've had to use the personal injury. No issues, no hassels including physical therapy.
    #14
  15. Mr Dual Sport

    Mr Dual Sport Roamer

    Joined:
    Apr 23, 2011
    Oddometer:
    2,018
    Location:
    .
    Shop around for sure. I had my business insurance through State Farm till I got a quote from Liberty Mutual that was almost $800 a year less for the same coverage. :huh:1drink
    #15
  16. bscman

    bscman Been here awhile

    Joined:
    Jun 10, 2012
    Oddometer:
    126
    Location:
    Sedro Woolley, WA
    +1

    State farm on 2 bikes, under $300 a year with all the same coverage. I haven't had to use it on the bike, but I have a few times for auto. They've worked harder for me than any insurance agency should...and they insure more than just my vehicles. I had a check in hand the same-day after being victim of a car prowl.
    They also offer a plan for pennies to cover up to $3,000 worth of personal belongings....makes bringing your laptop, DSLR camera, etc. along on vacation a lot less nerve wrecking.
    #16
  17. Need For Speed

    Need For Speed Ridin' fool(ishly)

    Joined:
    Apr 24, 2012
    Oddometer:
    166
    Location:
    WA, over on the wetside
    Me too.

    I had a claim or 2 in the past, and they were more than fair with the settlement.

    When I went to buy (finance) my 14R this past summer, high insurance costs would have been a deal breaker. Full coverage with high limits and unins/underins. was $39 a month :clap I felt that was a more than fair rate, considering the prowess/rating of the might Neenja.

    Probably helps that I have everything insured with them, including my house.
    #17
  18. DeFens

    DeFens Been here awhile

    Joined:
    Jun 12, 2006
    Oddometer:
    503
    Location:
    Monroe, WA
    I'd agree heartily with the suggestion to shop around a bit - in fact, that's a worthwhile exercise to do every couple years or so.

    I was with Liberty Mutual on our bikes (three Beemers) and cars and thought I was getting a decent rate, however when I consolidated all of our policies (homeowner's, bike, auto) with Allstate I got a much better deal.

    I've done Progressive in the past, but they screwed me over on one bike (agent quoted one price, policy redone by underwriter who more than doubled the price) and I haven't been back. I'd consider them again, however, on my next pricing excursion.
    #18
  19. Rick

    Rick Been here awhile

    Joined:
    Oct 3, 2011
    Oddometer:
    340
    Location:
    Hillsboro, Oregon
    I have State Farm also. Paying $362 a year. Just curious I went and did a quote with Geico with all the same options as State Farm and the quote was $162 a year. Wow... I think I need to rethink this insurance thing.

    I have 2 cars, my house and a million dollar umbrella policy with State Farm and this is the best they gave me.....
    #19