'You can say what you want about the South, but I almost never hear of anyone wanting to retire to the North.
I am 62 and have a 2013 R1200RT. I used to be a Prudential agent back in the late 70's and when I compared their auto (minus my commission) vs Erie Ins, Erie could not be beat. I have had Erie for over 30 years for all my cars and homes.
When I picked up my new BMW I had to shop around. I got a quote from Erie but I also got a quote from Foremost Ins (I read about it on one of these bike websites). With my AARP discount, Foremost completely wiped out Erie and that was with my Erie multi home and multi car discount.
Check into Foremost!!!!
Loaded Geico policy for a 2013 R1200R $330/ year
I have NC Farm Bureau for almost $580 per year. Comparable quotes from Geico was $915 and Progressive $850. Guess I will keep what I have.
Buck in Greensboro, NC
2013 R 1200 RT Midnight Blue - traded, 2014 R 1200 RT Ebony Metallic
Just got my annual State Farm renewal. Live in Indiana's second largest city (approximately 350,000 in greater metro area). I'm 64, retired with one speeding ticket for 12 over in the last 12 years, no accidents for 20 years. Been with State Farm for over 40 years and have my home, two cars and umbrella liability policy with them.
On my 2013 R1200RT I have Bodily injury - 250,000/500,000
Property Damage - 100,000
Medical Payments - 1,000
$100 Deductible Comprehensive
$500 Deductible Collision
Uninsured Motor Vehicle - Bodily injury 250,000/500,000, Property damage 10,000
Underinsured Motor vehicle - Bodily injury 250,000/500,000
Total annual premium $347.91.
K1600 $38 per month
C650GT $30 per month
They sent it to the total loss settlement unit and away from my adjuster friend. This will be fun. I was an insurance adjuster for over 31 years and I will know more about the procedures and laws regarding claims settlements. I have 5 years to settle the property damage part and 2 years for my "injury".
...and isn't it the settling of claims that is the ultimate litmus test of an insurance company's real worth???...
That's part of my "concern" right now - not just choosing the cheapest premium for the highest cover, but also finding a company who settle claims equitably and swiftly. I have one such with my "cage" insurance (Travelers, if it is of any interest), but the picture on bike claims is still unfolding...
$100 Deductible Comp, $1,000 collision
Liability Bodily Injury250K ,500K each accident
Property Damage Liability 100K each Accident
Underinsured Motorist 250K each person /500 each Accident
$5,000 accessory Coverage. (Loss to Accessories only NOT subject to deductible)
"The Older I Get, the Faster I Was"
'09 Black Metallic Sapphire "Fully Farkled" RT
You just need to check around. Rider Insurance, Springfield NJ had the best rate (by far) when I checked. My most expensive MC is the 2012 R1200GSA and the yearly premium is $156 including the 10% multi-bike discount, or $173 insured alone.
This is for full coverage including accessories with $500 deductible, un and under insured coverage, 100-300K Bodily injury, 50k property. The only thing is they only write in a few states; NJ, PA, WV, OH, maybe a few others now.
14 R1200GSA, 93 R100R. No car is as fun to drive as any motorcycle is to ride.
I'll repeat what I think I said before - get an agent to do the work for you. They can get quotes via computer within minutes, and they have feedback from other customers on what companies are good to work with for claims and which ones to avoid. Even better if you can find an agent who rides (mine does - an R1200R.. )
FWIW - I bent a front rim on my R12R a month or so ago. A new rim is $960. Tire is ~$230. Mounting the tire $40. I had a new tire waiting to go on when the rim got bent.. I have $500 collision deductible on my Progressive policy and very high liability coverage (a requirement of my general liability policy that picks up where the other insurance cuts off.) My agent contacted Progressive for me and said to file for it under collision. The claims person at Progressive was in contact with me within about 2 hours, took all the info, then said the adjuster would call. He called in about an hour and we made an appointment for the next morning. He arrived on time, looked at the bent rim, said "the tire should be replaced also.." and then went out to his car. He came back with a computer printed check that covered everything except the $500 deductible (rim, tire, labor.) Since I had intended to replace the tire anyway - it was MUCH less painful then if my agent hadn't suggested taking this course of action. I asked the agent if it would have an effect on my rates - and he thought not - Progressive has a small-claims amnesty where things like this don't count against your rates.
Was I happy? Yes. Why did I have Progressive? My last company tried jumping their rates on me at renewal, and my agent did some shopping for me. It had nothing to do with Flo in the ads..