Scooter Insurance Fun

Discussion in 'Battle Scooters' started by jcolombo, Nov 18, 2005.

  1. jcolombo

    jcolombo Lurking Moderator Super Moderator

    Joined:
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    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
    #1
  2. Bueller

    Bueller Cashin?

    Joined:
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    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...
    #2
  3. PassTheGravy

    PassTheGravy Been here awhile

    Joined:
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    Oddometer:
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    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. :D
    #3
  4. EatAtJoes

    EatAtJoes Ed Venture Heir

    Joined:
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    Location:
    Nebraska - The Last Coast.
    Dairyland full coverage, $500 deductible
    2005 Honda Ruckus
    $30/year
    #4
  5. Photog

    Photog Charismatic Megafauna Administrator

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    :eek1

    Amazing.
    #5
  6. EatAtJoes

    EatAtJoes Ed Venture Heir

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    And there was no increase in the premium after my first one was stolen.
    #6
  7. Bueller

    Bueller Cashin?

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    Reverse discrimination - it's because you're black, isn't it...
    #7
  8. RedRocket

    RedRocket Yeah! I want Cheesy Poofs

    Joined:
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    SoCal
    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.
    #8
  9. EatAtJoes

    EatAtJoes Ed Venture Heir

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    Nebraska - The Last Coast.
    My avatar is James Brown.

    I be white.
    #9
  10. Bueller

    Bueller Cashin?

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    I already knew that. Do you think I would have said that if you were really black?
    #10
  11. jcolombo

    jcolombo Lurking Moderator Super Moderator

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    How do you know? :D

    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
    #11
  12. Bueller

    Bueller Cashin?

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    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.
    #12
  13. jcolombo

    jcolombo Lurking Moderator Super Moderator

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    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
    #13
  14. Bueller

    Bueller Cashin?

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    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.
    #14