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Posted by Troll
- June 24, 2014, 15:24:28 PMBottom line: Shop around, do your homework..don't take the rate the company gives you until your sure you can't do better. This all started for me when Dairyland, a company I'd been with more that 20 years, jacked my rate 400% even though I'd never had a claim....
Posted by chief
- June 24, 2014, 12:17:57 PMQuote from: 49Reo on June 23, 2014, 20:54:49 PM.....but will they sign ona new client who lives out of state...or should I say out of THE states....lol
Most insurance policies have territorial exclusions... meaning a policy purchased in one country is not valid in other countries. Make sure you check that out before you assume your Canadian policy is valid in the USA and vice versa.
Captive agents would have to push any policy to the local area agent, and your rates will be determined by your home of record, not where you buy the coverage. Not all companies can or want to write policies in every US state or Canadian province. There are regional companies and there are national companies. A good independent agent can handle all that for you. They are paid by the various companies on a commission basis, so it costs you no more to use an independent agent.Posted by CDNRatMan
- June 23, 2014, 21:32:55 PM49, when I came back from overseas, I bought a truck in Windsor, had it insured there, but once they found out I was actually going to live in Northwestern ON they cancelled my policy because they said I lived too far away........
Posted by 49Reo
- June 23, 2014, 20:54:49 PM.....but will they sign ona new client who lives out of state...or should I say out of THE states....lol
Posted by gdrudd13
- June 23, 2014, 16:23:32 PMI was surprised at how cheap it was for me when I got insurance. New Rider, full coverage, $3000 in accessories, and a $100 deductible was only $134 for the year. Plus really high injury coverage, although I can't remember the exact values. Oh yeah, and only 24 when I got it. Supposedly insurance goes down once you hit the age of 25, we'll see if that holds true for the motorcycle. I want to take an experienced rider course at some point which should make it even lower.
Posted by Troll
- June 23, 2014, 14:39:27 PMI have my "paid in full" receipt. I asked the agent why it went down, and all she could tell me was that I qualify for every discount Allstate offers, so...maybe getting old isn't such a bad thing. I had her check, and, I have "0" dollar deductible, trip, helmet, clothing and towing insurance, uninsured/underinsured, guest passenger, med. pay, as well has the highest limits they offer for a motorcycle, ($300,000-500,000)and $2500 in accessory coverage.....Not complaining, in the least... When you shop, it never hurts to check EVERYBODY... I never even gave them a thought until I bought my first policy from them in 2010....now I have everything I own that is insured with them. The whole package turns out to be WAY cheaper than with ANYBODY else. $185 bucks and it's all done 'till net year!!!!
Posted by chief
- June 23, 2014, 14:08:57 PMRates 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.
Posted by Troll
- June 23, 2014, 13:12:31 PMYeah, 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 PMMy 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 AMYeah, 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 PMAll I can say is WOW|
Posted by Troll
- June 22, 2014, 14:03:14 PMIt was an email statement. Yes it's for full everything, towing, helmet, clothing, trip interruption...
Posted by 49Reo
- June 22, 2014, 12:00:21 PMI 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 AMyou get mail on Sunday?
Posted by greenbarn
- June 22, 2014, 11:17:20 AMIs that for full coverage, collision etc? sounds like a good deal!