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  Topic Review (Newest First)
02-13-2017 06:23 PM
Johns04ZX10R I only have USAA for my homeowners, and they were great about doing a bunch of hail repairs a few years ago. My premium is not the lowest out there, but they didn't screw me over either. USAA was a lot more expensive for my truck, and they would not take my bike without taking my truck. Progressive is the cheapest vehicle insurance I have found, and they have always paid out fairly on the few claims I've ever had. I've also been with them since 2002. LOL
02-12-2017 02:04 PM
MrMoto73
Quote:
Originally Posted by Chriscm922 View Post
I had USAA insurance for the longest time, always paid up front and never had an incident. Went with Progressive for my first bike through them because I didn't know any better. When I got the 10, I got a quote through them and it was outrageous. Ended up going with Geico. Fast forward to today, all insurance is now through AllState and I will never, never, never even consider USAA for insurance again. Got into a fender bender last year and it was the worst experience of my life dealing with them. Anyway, it was a lot cheaper switching to AllState anyway despite the 'discounts' I got through USAA. For the record, I still do 90% of my banking with USAA and have never had any issues.
I have had USAA for insurance since I was 15 and all through my military career. They used to be really inexpensive. Not anymore it seems. Just a big corporate machine now. I keep my car insurance with them just to keep my homeowners insurance down. 1.2k vs 3.5k. Banking is good though as you say.
02-12-2017 01:57 PM
MrMoto73
Quote:
Originally Posted by Bottoms-Up View Post
Thanks, just ran through Dairyland and got insurance quotes.

Way to expensive on my end.

Should mention I'm a perfect insurance risk too.
No tickets, home owner, old, no claims, good credit, etc.

My 14 is triple the cost of progressive for the same coverage.

ZX10 - 2006
15/30 comp,collision,liability = 680.00
250/500 comp,collision,liability = 736.00
250/500 minus collision = 565.00

ZX14 - 2012
250/500 comp,collision,liability = 1500.00
250/500 minus collision = 939.00

I don't ever carry collision on my bikes.

Currently Progressive

ZX14 250/500 comp, liability = $316.00

I always try and check rates on all my insurances every 1 to 2 years and
still can't find anything cheaper then Progressive for motorcycle insurance.

Maybe has something to do with that we ride all year around down here.
People in the colder states can drop their coverages down to just
storage rates for half the year.
I think the insurance industry is a big racket being rates seem to appear so vastly different from one person to the next (Ones with similar profiles i.e. age, riding experience, etc..). In your case Progressive is the cheapest at 316 bucks and they wanted to charge me 4k for for my Gen1. You have a Gen2, not that much different. Then for me dairyland is way cheaper, but not for you. It couldn't be that because my riding season is shorter otherwise my Progressive coverage should have been a lot less.

I guess the only thing to say is shop around!
02-12-2017 01:47 PM
MrMoto73
Quote:
Originally Posted by Johns04ZX10R View Post
Im always looking for original bikes. More importantly though, Im looking for a way to pay for them! LOL
One of my weirdo goals is to have one original 1st gen bike in each color produced.

I would like to have one in each color as well! Need to finish my grad school first though. Our new baby is also a priority....and the house and the car I want to rebuild and traveling... lol. So many things!
02-12-2017 01:43 PM
MrMoto73
Quote:
Originally Posted by obijack View Post
Maybe dairyland doesn't offer sportbike coverage in FL, just in the great white north?
Try calling them. Could be a site error maybe?
02-12-2017 10:26 AM
Bottoms-Up Thanks, just ran through Dairyland and got insurance quotes.

Way to expensive on my end.

Should mention I'm a perfect insurance risk too.
No tickets, home owner, old, no claims, good credit, etc.

My 14 is triple the cost of progressive for the same coverage.

ZX10 - 2006
15/30 comp,collision,liability = 680.00
250/500 comp,collision,liability = 736.00
250/500 minus collision = 565.00

ZX14 - 2012
250/500 comp,collision,liability = 1500.00
250/500 minus collision = 939.00

I don't ever carry collision on my bikes.

Currently Progressive

ZX14 250/500 comp, liability = $316.00

I always try and check rates on all my insurances every 1 to 2 years and
still can't find anything cheaper then Progressive for motorcycle insurance.

Maybe has something to do with that we ride all year around down here.
People in the colder states can drop their coverages down to just
storage rates for half the year.
02-12-2017 09:46 AM
Chriscm922
Quote:
Originally Posted by MrMoto73 View Post
They are partnered with USAA, my primary insurance so I am supposed to have a cheaper rate. HA! Checked some others and they are just about the same.



Part of the reason is apparently I live in a high vehicle theft area. Number 7 in the nation for number of bike thefts.



No new ride for me.

I had USAA insurance for the longest time, always paid up front and never had an incident. Went with Progressive for my first bike through them because I didn't know any better. When I got the 10, I got a quote through them and it was outrageous. Ended up going with Geico. Fast forward to today, all insurance is now through AllState and I will never, never, never even consider USAA for insurance again. Got into a fender bender last year and it was the worst experience of my life dealing with them. Anyway, it was a lot cheaper switching to AllState anyway despite the 'discounts' I got through USAA. For the record, I still do 90% of my banking with USAA and have never had any issues.
02-12-2017 09:23 AM
Johns04ZX10R
Quote:
Originally Posted by MrMoto73 View Post
I sold my silver 05 last year. Even though I don't need two Gen1's I still miss it. Guy that bought it is taking really good care of it though. You still looking for another one?
Im always looking for original bikes. More importantly though, Im looking for a way to pay for them! LOL
One of my weirdo goals is to have one original 1st gen bike in each color produced.
02-12-2017 07:23 AM
obijack Maybe dairyland doesn't offer sportbike coverage in FL, just in the great white north?
02-11-2017 09:03 PM
MrMoto73
Quote:
Originally Posted by Bottoms-Up View Post
Well how about it?
It is full coverage.... for a 12 year old Gen1. I just went online to the dairyland insurance site and looked at what I would pay for a new ZX10R and it would be almost 800 bucks a year for the minimum coverage if it is financed. That is with 1k deductibles on collision and comp and adding 5k of accessory coverage. If I select every option they have, roadside, rental, vanishing deductible, trip interruption, replacement cost, etc... and do 100 dollar deductibles the rate goes to 2k per year if I pay in full.
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