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Rates vary by locale... State, County etc. My wife and I worked in the commercial insurance business (me=Safety, her= Big Shot)... I offer a few pieces of advice for what they are worth.

1. ALWAYS buy your insurance through an INDEPENDENT AGENT!!   There are two kinds of agents in the world... Captives=work for one company, and Independent=works for you. Independents have multiple companies and will do your shopping for you.  We ALWAYS use independent agents.

I had Progressive at one point and decided to move, even if it cost me more money. We told our agent and he found a policy with better coverage, much cheaper. And, from a company I never would have thought to check.

2. Ensure you compare apples to apples. It does matter what the coverages are. We always bump up the deductible and the limits - it usually ends up costing the same as lower deductibles and limits. When you compare policies make sure your coverages are the same.

3. Ensure you understand about cash value, accessories coverage etc.

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Topic summary

Posted by Troll

- June 23, 2014, 13:12:31 PM

Yeah, the rates vary all over the map. Progressive wanted almost $400 for the Drifter, and 2 something for the W...I'm pretty happy with this. I know people who pay twice that much for basic liability and for only 6 months...

Posted by Drifter1500

- June 23, 2014, 12:06:28 PM

My bill for Progressive Insurance for USSA members with all the good stuff you listed was $80.00 for the year.
This was on a 2000 Drifter, and included $5000.00 for aftermarket accessories.

Posted by Troll

- June 23, 2014, 07:40:32 AM

Yeah, me too..."WOW" I won't believe it 'till I have a Paid in Full receipt in my hand...I thought last year's bill was good, at $218...maybe it pays to be old....naaaahhhhh!

Posted by DC

- June 22, 2014, 22:45:48 PM

All I can say is WOW|

Posted by Troll

- June 22, 2014, 14:03:14 PM

It was an email statement. Yes it's for full everything, towing, helmet, clothing, trip interruption...

Posted by 49Reo

- June 22, 2014, 12:00:21 PM

I insured my trike for 5 months, bare bones policy, plate, and 2 million liability, was over $500.00. Plus my collision, vandalism, fire, theft, etc, through a company called "Beacon" Beacon is a private policy, in B.C. all road insurance, plate, registration fee, etc HAS to be a government policy. Beacon, for 12 months for both bikes, is about $800.00 or so. It covers the bikes for on the road, storage, etc. Joke up here is, B.C. stands for:
"Bring Cash!" lol I have a clean driving record, so get the cheapest rate, my truck (Toyota Tundra) is almost $2000.00/year. Need an extra job just to pay for insurance. Phooey. Thanks, Troll, you just ruined my day.....

Posted by CDNRatMan

- June 22, 2014, 11:48:05 AM

you get mail on Sunday?

Posted by greenbarn

- June 22, 2014, 11:17:20 AM

Is that for full coverage, collision etc? sounds like a good deal!

Posted by Troll

- June 22, 2014, 10:07:55 AM

It's Sunday...the're not open...yet

Posted by CDNRatMan

- June 22, 2014, 09:55:18 AM

I would have been down there before the dust settled........

Posted by Troll

- June 22, 2014, 09:03:36 AM

Got my bill for the two bikes from Allstate, today. I have the ultimate policies on both rides, with vanishing deductible, and and towing, etc. All the toys....the price WENT DOWN from last year, and not just a little...a lot, almost $25. The total is now $185 to cover both the Drifter and the W....I don't understand what's going on, but I'm going to pay in cash, tomorrow...before they change their minds!

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