kev@voder.UUCP (Kevin Hoskins) (08/13/86)
Just a follow-up to my previous posting. I am curious about which
insurance company to go with. I am with State Farm for my cars, but
wonder if I might do better with a company that insurance only
motorcycles.
Any help would be appriciated. Thank you.alanj@orca.UUCP (Alan Jeddeloh) (08/14/86)
In article <2337@voder.UUCP> kev@voder.UUCP (Kevin Hoskins) writes: > Just a follow-up to my previous posting. I am curious about which >insurance company to go with. You might check out Dairyland. They insure high-risk car drivers (at high rates), but, surprisingly, they gave me the best quote for motorcycles. Citation also advertises good MC rates, but they don't write policies in Oregon, so I can't compare them. -Alan Jeddeloh Tektronix GWD Wilsonville, OR tektronix!orca!alanj
mazlack@ernie.Berkeley.EDU (Lawrence J. Mazlack) (08/15/86)
> Just a follow-up to my previous posting. I am curious about which >insurance company to go with. I am with State Farm for my cars, but >wonder if I might do better with a company that insurance only >motorcycles. I didn't know that State Farm would insure bikes. A lot of auto insurers will not - for example, my auto carrier is Prudential and they don't cover bikes. Which company is best for you depends on your bike. I insure with Progressive under their "big bike" plan (I have a BMW R100CS). It turns out that BMWs are in a better risk category than almost anything else - got me why, they sure are pricey. Anyhow, I can insure for considerably less than if I had a much smaller, non-BMW. ....Larry mazlack@ernie.berkeley.edu
herzog@leadsv.UUCP (08/15/86)
In article <15267@ucbvax.BERKELEY.EDU>, mazlack@ernie.Berkeley.EDU (Lawrence J. Mazlack) writes: > I didn't know that State Farm would insure bikes. A lot of auto insurers > will not - for example, my auto carrier is Prudential and they don't cover > bikes. > State Farm does insure bikes. They don't like to, but if you are insuring your car with them, they will also cover your cycle. They will also tack on their "multiple car" discount. Allstate (at least when I lived in Dallas) does the same -- Jordan Herzog decwrl!{amd!cae780,sun!sunncal}!leadsv!herzog "If I had it to do all over again, I'd do it all over you."
jeffh@plx.UUCP (08/15/86)
> In article <2337@voder.UUCP> kev@voder.UUCP (Kevin Hoskins) writes: > > Just a follow-up to my previous posting. I am curious about which > >insurance company to go with. > *** LINE REPLACED *** I have my cars, my houses, and my motorcycles insured with State Farm. For me, they are much less expensive than anything else I could find - and I feel confident that they will be there if I need them. I have heard that State Farm will not insure your motorcycle unless you already have a vehicle insured by them. I am not sure about this, but, since you have State Farm insurance you should certainly check them out.
animal@ihlpa.UUCP (D. Starr) (08/15/86)
> > > Just a follow-up to my previous posting. I am curious about which > insurance company to go with. I am with State Farm for my cars, but > wonder if I might do better with a company that insurance only > motorcycles. > > Any help would be appriciated. Thank you. I, too, have State Farm on my cars, and my bikes. I have never had to file a claim on the bikes, so I don't know how good they are in that respect. Their service in the car area has been outstanding (e.g., somebody nailed by brand-new Jeep in '83; SF fixed it post haste, then tracked down and harassed the other guy until he paid up). In my experience, their motorcycle rates are untouchable. I am paying $275-300 a year (12 months!) for FULL coverage on each of my two Harleys (an 84 and an 86). The Harley Owners Group (a factory sponsored organization) has a special insurance offer, which is supposed to be unbeatable; when I called them for a quote they were a good $140 above State Farm. Similarly, I talked to a Dairyland agent once, and he told me flat-out that he couldn't come close to State Farm. When I sold my '83 model (State Farm premium: $280 a year) to my brother, the best quote he could get elsewhere was $415 for a six-month riding season. While I have not yet checked the AMA's special rates with Criterion (now Geico Casualty or something), I doubt that you can beat State Farm. The downside of State Farm is that they prefer low risks; that's how they come up with the low rates. They sock you with a big surcharge when you have a chargeable accident, and they will cancel you for sufficiently antisocial behavior (e.g., repeated 100-in-a-35-zone type violations). They also require that you insure at least one car with them, and their car insurance rates are not the lowest on earth (although they are a good bargain for the level of coverage). Dan Starr
neals@tekigm.UUCP (Neal Sedell) (08/15/86)
In article <15267@ucbvax.BERKELEY.EDU>, mazlack@ernie.Berkeley.EDU (Lawrence J. Mazlack) writes: > I didn't know that State Farm would insure bikes. A lot of auto insurers > will not - for example, my auto carrier is Prudential and they don't cover > bikes. Well, I am currently with WA State Grange insurance, and decided that the insurance on my 80 Suzuki 550 was a bit high for having put 14K miles on it in 5 years so I checked with State Farm. They quoted me ~ $120 year, which is almost exactly the 6 MONTH premium for Grange. And this is for a single male, as opposed to the married rate from Grange. The only catch with State Farm is that they won't take just bikes, you have to have a car. So I asked about rates for my 86 Camaro, and it was a bit lower, again single vs. married... Then I ran into another gotcha, they won't take only sports cars, you have to have another low-risk type vehicle. Luckily I have an old jeep gathering rust that I could insure for $40/yr liability only and get the other vehicles insured for quite a bit less overall and have the jeep covered to boot. When I got my first street bike in 1978 the dealer sold me a policy from Daryland. The insureance was very inexpensive, but then it was only an XL125... The one reason I stayed with Grange was that they have a good reputation for paying claims quickly and completely, but I think it's gotten too expensive to be worth the convenience if, heaven forbid, I should need it. I haven't had a claim or a ticket in 10 years...... Hopefully the law of momentum will apply. Oh yes, I got a new statement from Grange two weeks ago - they raised the rates 50%, I presume for going from married to RISK driver category. Neal "Shoulda kept my old pickup" Sedell Remember - You may get less than you pay for but you'll never get MORE. -- {zehntel | uw-beaver | reed | hp-pcd | hplabs | decvax}!tektronix!tekigm!neals
mojo@mp-mojo.UUCP (Mojo Jones) (08/15/86)
> Just a follow-up to my previous posting. I am curious about which >insurance company to go with. I am with State Farm for my cars, but >wonder if I might do better with a company that insurance only >motorcycles. My girlfriend is with State Farm. If you insure your car with them, they'll also insure your motorcycle. And their rates for motorcycles are among the best. No special discounts available (none required). Mojo ... Morris Jones, MicroPro Int'l Corp., Product Development {lll-crg,ptsfa,dual,well,pyramid}!micropro!mp-mojo!mojo My views usually have little resemblance to those of my employer.
pag00@amdahl.UUCP (Pria Graves) (08/15/86)
> I didn't know that State Farm would insure bikes. A lot of auto insurers > will not - for example, my auto carrier is Prudential and they don't cover > bikes. > > Which company is best for you depends on your bike. I insure with Progressive > under their "big bike" plan (I have a BMW R100CS). It turns out that BMWs > are in a better risk category than almost anything else - got me why, they > sure are pricey. Anyhow, I can insure for considerably less than if I had > a much smaller, non-BMW. > > ....Larry mazlack@ernie.berkeley.edu I haven't done comparison shopping in a while but State Farm does cover bikes (both my BMW R100S and my husband's R90/6) and was fairly reasonable when I did do some comparisons in 1980. -- Pria ...!{ihnp4,hplabs,amd,nsc}!amdahl!pag00 (408) 746 7539 (Disclaimer: even I don't necessarily agree!)
jerem@tekgvs.UUCP (Jere Marrs) (08/16/86)
In article <15267@ucbvax.BERKELEY.EDU> mazlack@ernie.Berkeley.EDU.UUCP (Lawrence J. Mazlack) writes: >> Just a follow-up to my previous posting. I am curious about which >>insurance company to go with. I am with State Farm for my cars, but >>wonder if I might do better with a company that insurance only >>motorcycles. > >I didn't know that State Farm would insure bikes. A lot of auto insurers >will not - for example, my auto carrier is Prudential and they don't cover >bikes. L.J.: To supplement my private reply to you, State Farm does indeed (in Oregon, at least) insure bikes, as I've been with them since 1972. I ride a BMW also, but I don't know if that made a difference. I had my bike insurance with them BEFORE I had car & home insurance with them. -Jere M. Marrs Tektronix, Inc. Beaverton, Oregon
struve@calma.UUCP (08/16/86)
I also followed the logic that my good record over the last 10 years with State Farm as my auto insurer would translate into good rates for my home and bike insurance. Not so - Farmers was cheaper for my house, and McGraw in Menlo Park (I can't remember the actual underwriter) seems to have the best rates around the BAy Area for bikes. However, I've never made a claim so I can't vouch for their service. On another topic, let's cut the helmet debate and get back to MOTORCYCLES!
dob@ihlpa.UUCP (Daniel M. O'Brien) (08/18/86)
> On another topic, let's cut the helmet debate and get back to MOTORCYCLES!
^^^^^ ^^^^^^^^^^^^^^^^^^^^^^^
I agree. Just pulled greater than a century for the first time on my new VF500
Interceptor today! Oh wow! Last time was on my fathers '67 BSA 650
Thunderbolt. Bikes sure have come a long way in twenty odd years. No shake,
rattle or roll, just steam-train steady.
Cheers,
--
Daniel M. O'Brien (ihnp4!ihlpa!dob)
AT&T Bell Laboratories
IH 4A-257, x 4782
Naperville-Wheaton Road
Naperville, IL 60566robert@sri-spam.ARPA (Robert Allen) (08/19/86)
In article <2337@voder.UUCP>, kev@voder.UUCP (Kevin Hoskins) writes: > > > Just a follow-up to my previous posting. I am curious about which > insurance company to go with. I am with State Farm for my cars, but > wonder if I might do better with a company that insurance only > motorcycles. I'm insured through Nationwide Mutual. I havn't had to make any claims, but their prices at least are great. I insure my car and bike for the same amount that AAA was charging for my car alone. They will mail you a complete quote based in info given over the phone.