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Author Topic: Which Insurance Company?  (Read 399 times)

Gingernator

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Which Insurance Company?
« on: February 01, 2012, 02:42:30 AM »
Which insurance company and what level of coverage should I get?
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cbrSHAMU

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Re: Which Insurance Company?
« Reply #1 on: February 01, 2012, 05:06:24 AM »
It depends on what else you have insured. Who you're currently with. What your driving record is like. If you will be financing the bike. There is simply too many options..although AAA is a great company. Pricey but great.
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Jason748

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Re: Which Insurance Company?
« Reply #2 on: February 01, 2012, 12:15:25 PM »
If you are armed forces or a direct realitive of someone who is armed forces I'd usually say look at USAA - but they've become less and less "bike friendly" over the past few years...  I'm actaully looking at swaping to Farmers (who I have my home policy with)
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Rjunky

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Re: Which Insurance Company?
« Reply #3 on: February 01, 2012, 01:11:02 PM »
usaa auto directs you for bike insurance to progressive
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Gingernator

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Re: Which Insurance Company?
« Reply #4 on: February 01, 2012, 03:10:09 PM »
Already with State Farm, who doesn't insure bikes, and no loan will be taken out on the bike once I get it about this time next year. I live in Texas if that has any bearing. And I'm not in the armed forces
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cbrSHAMU

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Re: Which Insurance Company?
« Reply #5 on: February 01, 2012, 03:23:02 PM »
Uhh..I have my bike insured through State Farm. Better check again buddy..
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2008 CBR600rr Graffiti (Stolen)

Rjunky

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Re: Which Insurance Company?
« Reply #6 on: February 01, 2012, 04:09:22 PM »
foremost i have them....expensive and stupid....i want a new policy haha
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excat

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Re: Which Insurance Company?
« Reply #7 on: February 01, 2012, 08:01:37 PM »
progressive here...i run liability only. if i screw up and lay my bike down, that's my bad.
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CDN

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Re: Which Insurance Company?
« Reply #8 on: February 01, 2012, 09:55:08 PM »
Wow you guys, sucks to be you. I have million dollar PLPD full comprehensive 500 deductible for 478 a year. I'm even insured for missiles, no joke.  :thumb:
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Gingernator

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Re: Which Insurance Company?
« Reply #9 on: February 01, 2012, 11:05:59 PM »
Quote from: CDN on February 01, 2012, 09:55:08 PM
Wow you guys, sucks to be you. I have million dollar PLPD full comprehensive 500 deductible for 478 a year. I'm even insured for missiles, no joke.  :thumb:

Is that Police Department? Because I don't have that advantage
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CDN

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Re: Which Insurance Company?
« Reply #10 on: February 01, 2012, 11:12:02 PM »
Quote from: Gingernator on February 01, 2012, 11:05:59 PM
Is that Police Department? Because I don't have that advantage
Nope it's called Public Liability and Property Damage. So if I injure someone, or ruin their property up to a million dollars, my insurance pays the bill while I just pay a $500 deductible.
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2003 CBR600RR - LCR Honda MotoGP racing body kit, Watsen Designs flush mount signals, Sunstar sprockets, D.I.D. X-Ring race chain, GPR GPE Titanium Carbon Fibre race pipe, Pazzo shorty gold levers, CustomLED Intergrated rear signal/brake light, Puig fender eliminator, PCV, K&N race air filter

Gingernator

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Re: Which Insurance Company?
« Reply #11 on: February 02, 2012, 01:04:25 PM »
I see..... Isn't what I need like "personal injury protection" or "bodily liability" or something? Because you don't really need property insurance, unless mandated, because the bike only weighs 410 lbs so its not going to cause much damage.
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CDN

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Re: Which Insurance Company?
« Reply #12 on: February 02, 2012, 02:59:24 PM »
Quote from: Gingernator on February 02, 2012, 01:04:25 PM
I see..... Isn't what I need like "personal injury protection" or "bodily liability" or something? Because you don't really need property insurance, unless mandated, because the bike only weighs 410 lbs so its not going to cause much damage.
What happens if something you do (accident or mechanical failure, unforeseen circumstances), starts a fire that burns down 1 or 2 houses? Then what?  ???
It's your call, just making you think about it. Ultimately it's your choice what kind of coverage you want. I don't know many people who have such a... robust policy as I have.
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2003 CBR600RR - LCR Honda MotoGP racing body kit, Watsen Designs flush mount signals, Sunstar sprockets, D.I.D. X-Ring race chain, GPR GPE Titanium Carbon Fibre race pipe, Pazzo shorty gold levers, CustomLED Intergrated rear signal/brake light, Puig fender eliminator, PCV, K&N race air filter

Gingernator

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Re: Which Insurance Company?
« Reply #13 on: February 02, 2012, 06:10:54 PM »
Quote from: CDN on February 02, 2012, 02:59:24 PM
What happens if something you do (accident or mechanical failure, unforeseen circumstances), starts a fire that burns down 1 or 2 houses? Then what?  ???
It's your call, just making you think about it. Ultimately it's your choice what kind of coverage you want. I don't know many people who have such a... robust policy as I have.

I'll take my chances with the whole burning down houses stuff. But I was quoted $115/month from progressive with:
Bodily injury and property damage:30/60/25
Uninsured/under insured motorists (lots of them in Texas): 30/60/25
Medical payments: 10,000/person
And $500 comprehensive deductibles, and that's it. Anything else I need or don't need?
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Rjunky

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Re: Which Insurance Company?
« Reply #14 on: February 03, 2012, 01:03:26 AM »
the high price tag.... id tell em to fit you under 80 a month....
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