I just renewed my insurance and after shopping around I got exactly the same coverage for much less. Progressive wanted $1029 a year for two bikes. no tickets or claims, 07 GL and a 04 FJR. 500CSL, $5000 medical, full coverage on the GL, liability only on the FJR. Safeco Insurance, exact same coverage $325 a year.
If anyone is tired of Progressive.
Before my previous renewal, I provided the same personal & vehicle info, and coverage requirements, to several insurers and requested quotes for a 1-year policy for three motorcycles. The results varied greatly.
Personal: DOB 1942; retired; motorcycle license since 1974 (never suspended/revoked); no accidents, violations, or claims in past 3 years; vehicles currently insured; member of AAA, AARP, AMA, BMWMOA, BMWRA, HOG.
Vehicles: 1983 BMW R100RS (fairing & saddlebags), 2002 BMW R1150R (ABS), 2013 BMW R1200R (saddlebags, ABS); all garaged in Los Angeles county; all pleasure usage, no commuting or business usage; estimated 40K annual miles; no theft alarms
Requirements: BI Liability 100K/300K, PD Liability 50K; Comp & Coll ($500 deductible) on 2002 & 2013 vehicles only; no UM, UIM, or Medical.
Discounts requested: Multiple vehicles; ABS; Senior 65+; MSF courses; clean driving record;
and it was probably a negative factor, but no other policies (home, life, auto, umbrella) with the individual insurer.
Quotes received, mostly on-line, some in person:
Insurance Provider $Quote
Markel American $776
Allstate, in person $808
AMA (Nationwide) $893
GEICO $986
HOG (Progressive) $1,145
Progressive $1,145
AAA, in person $1,406
State Farm, in person $1,492
AARP (Foremost) $1,722
McGraw/Pacific $1,767
Dairyland $2,202
I’m sure that quotes for others will vary due to location, vehicles, driving records, but it may be worthwhile to obtain quotes from several well-rated insurers.
... Dave