IF this is true this will be the straw that broke the camels back for me. I'm getting Raped on Home Owners insurance because of other peoples Hurricane damage from years past..Originally Posted by dickiedeals
....................Dickie
IF this is true this will be the straw that broke the camels back for me. I'm getting Raped on Home Owners insurance because of other peoples Hurricane damage from years past..
" A Gun Is Like A Parachute.If You Need One, And Don't Have One, You'll Probably Never Need One Again!"
Hey Stranger,
Good to see you over on this site. Thinking of getting yourself a F6? It seems like many of us Rune guys are making the switch or adding a F6 to the lineup. Anyway… I pay around $400 a year for the F6 and about $600 a year for the Rune to State Farm. But after seeing this thread I'm thinking that I may need to take another look at what else is out there?
Since this is an insurance thread, I'm going to give you my experience on the recent accident I had.
Other driver's insurance accepted full liability. He came from a side entrance and clocked me broadside. I had full coverage with 100-300 for under insured. Unknown to me, my insurance (Progressive) had a clause in it that they only cover "up to" what the other insurance covers. In my case, the other guy had minimum coverage. In Massachusetts, that was 20-40. We got 50 from him (I don't know how), so I was only able to get 50 from mine. In Massachusetts, motorcycles aren't covered under PIP. I found that out when I went to a Dr. appointment, and they wanted a co-pay. I said the other guy is paying, not me. They looked into PIP at that time and said not with a bike accident. Each state is very different, but you guys need to read to read between the lines and see what you're really covered for.
I'm still waiting on my lawyer to write some checks (it's been two weeks and I guess he can't find the time), but rest assured, when I look for insurance again, these things will be questioned.
I will say this...Progressive was great when it came to paying out on the bike, which was totaled. I was happy with them up to the payout part on liability.
Safe riding,
Wayne
Info .. Im 54 my bike is a 2013.. My Ins is with Grange Ins here in Ohio. Ins here in Ohio is alot cheaper then Fla. I lived in Lakeland fla 29yrs an I know how high Ins is there. And yes that is with GAP also. My Road side asst is also in this for up to 15mi.
I am with Dairyland. I pay $291.00 for a year up front. I have the Texas state minimum coverage which I think is ok for a motorcycle and my driving situations (hopefully).
They show a credit for owning my home and a credit for winter (2 months where I live in Texas).
No accidents/tickets and good credit.
I got many estimates from different insurers and at the time Dairyland was the best. I had been with Foremost in the past.
Hope this info helps. I get estimates every year. Hard to trust any company anymore.
Not trying to sound like a smartass, but these insurance threads are only meaningful if comparing apples to apples, etc.
A quote doesn't tell much of the story unless coverages and limits are also spelled out, as some have done.
It makes a BIG difference on a quote if one carries 100/300k or even 500k of UM as opposed to 20k, for instance.
Otherwise, it's like a thread without pics....kinda worthless, imho.
Here is my current quote for renewal. I'm either going to try to do better or even lower some of my coverages somewhat. I also live 50 miles west of Chicago as regions also make a difference. I'm currently with Progressive, who were very good after I totaled out my Valkyrie Interstate in June due to a deer strike(comp claim).
If you look at the bottom of my quote, just adding 500k of Underinsure/uninsured motorist coverage adds $176 to my yearly coverage. Without it, it sounds like a good rate of $356/yr. With it added, the
premium would be $532, which sounds much worse.
That's why these threads kind of need full disclosure.
BODILY INJURY & PROPERTY DAMAGE LIABILITY $138.00
$500,000 COMBINED SINGLE LIMIT
UM PROPERTY DAMAGE $500,000 CSL LESS $250 DED $9.00
MEDICAL PAYMENTS $10,000 EACH PERSON $118.00
ENHANCED INJURY PROTECTION $46.00
INCOME LOSS $250 PER WEEK
DEATH $25,000
COMPREHENSIVE $100 DEDUCTIBLE $35.00
ACCESSORY COVERAGE $3,000 INCL
ROADSIDE ASSISTANCE $10.00
Premium by Vehicle $356.00
Policy Level Coverage
Uninsured/Underinsured Motorist Bi $176.00
$500,000 Comb. Single Limit
Total Policy Premium $532.00
Do your Best and Miss the Rest!
Agree with the above post...Insurance has so many variables that is next to impossible to post and compare rates as they vary all over the "map"...Shop for what your happy with and go from there....Ride safe
I live in the Chicagoland area and I think I pay around $ 340.00 or $380.00 for the year with State Farm.
Just south of $500 a year for full coverage on two bikes. Geico.
USN Retired
IBA # 37743
2013 F6B Deluxe "Big Red"
2015 F6B Blue (Hers)
Cage - 2006 SLK 280
Previous Rides: 2005 BMW K1200LT, 2006 VTX 1300R,1986 CB650 Nighthawk, 1982 CM450, countless dirt bikes.
[SIGPIC][/SIGPIC]
30 miles west of Charlotte, NC paying $480 a year through Progressive. Better than minimum limits with roadside assistance which no others in this area offered. Spent three weeks after buying the 6 pricing insurance coverage and found none cheaper. I've never used Progressive for a claim, and hope I never have to, but sounds like for the most part those of you that have were pleased with their response so only time will tell.
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