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Bike Insurance BULLSHIT!!!!!

  1. #1
    Winter sucks Nate Dawg's Avatar
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    Bike Insurance BULLSHIT!!!!!


    Today I called Progressive to update my insurance info and add collision to my policy. Like most or some riders I drop collision over the winter to save a little money. Well, today I called Progressive they told me collision had increased by $260 over 12 months. I asked the idiot on the other end of the phone why my insurance rate had gone up. My driving record is clean (shocking i know) no tickets, no accidents, not a damn thing and my rate went up. I asked the idiot why it went up. He couldn't give me a straight answer. He basically said it had nothing to do with my driving record or anything that I had done. Get this... my rate is determined by all motorcycles riders. Now I know all the douchbag riders out there have driven up the cost of insurance, but what the fuck!!! THIS IS BULLSHIT!!!!!

    I'm feel like skull fucking someone, then curbing their dumbass!!!

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    Last edited by Nate Dawg; 03-03-08 at 06:28 PM.

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    Just Registered KillBill's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    I have Progressive as well.
    Mine also went up.
    Time to start shopping

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  3. #3
    Humble Arrogance MotoFreak's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    skull fucking is not the answer...but that is bullshit, though when I went through my USAA Rep (they use Prog. for Moto's) she quoted my 9R $100 more than my 6R for a 12 month, bare bones policy...hopefully that shit hasn't changed in less than a month...bastards...GEICO anyone?

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    Just Registered KillBill's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    I'm going to check out Commerce
    I think i can get hooked up

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  5. #5
    Rider. Just a rider... DucDave's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    ...well, so much for the dickwads whose behavoir doesn't hurt anyone but themselves...

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  6. #6
    Changes come butcher bergs's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    If you can get it in your state, State Farm, FTW!

    My rates have stayed the same and even gone down some over the years considering my accumulated speeding offenses. They've done great by me!

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    Lifer Kurlon's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    One potential downside to State Farm - The rumor is they will not cover damage from a track day, be it an instructional one or not. I gotta check on this myself now as I'm currently with SF.

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  8. #8
    Posting Freak Ecooke21's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    check out Geico.... they were WAYYYY cheaper than the others..

    if geico doesnt work, try Bike Line (markel?) insurance..as Mark (R7) I think he uses them..they had decnt rates

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  9. #9
    Changes come butcher bergs's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by Kurlon View Post
    The rumor is they will not cover damage from a track day, be it an instructional one or not.
    It's all in how good you are with wording.

    My agent has set me up nicely at least once.

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  10. #10
    Posting Freak tonup's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    I have had Allstate but have opened my eyes to the raping. Motofreak. I have usaa for the house and cars but my quote from them was higher than anyone. I was literally on line specking progressive right before loggin on here, and if usaa uses them, I may need to cross check. I'm paying about 4 bills through allstate for the thrux and progressive wants under 220 for the same identical coverage. I feel violated by my agent

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  11. #11
    Just Registered Doc's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by DucDave View Post
    ...well, so much for the dickwads whose behavoir doesn't hurt anyone but themselves...

    +1

    And they wonder why we are safety Nazis!!


    I don't know about you Dave but I am so old that my rates are CHEAP.

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    Rider. Just a rider... DucDave's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by Doc View Post
    +1

    And they wonder why we are safety Nazis!!

    I don't know about you Dave but I am so old that my rates are CHEAP.
    Me too....they actually pay me $600.00 a year to insure WITH them. And +1 on State Farm. Been with them for 35 years.

    Seriously, I don't insure my track bike at all. It's an air cooled 750SS and I have crashed it 3 times and it costs me so little to get back on the track it wouldnt make sense to insure.

    My street bike costs $680 a year for comprehensive.

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  13. #13
    Just Registered Doc's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    You mean Ducati's are not expensive?!


    Sarcasm....

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    Re: Bike Insurance BULLSHIT!!!!!

    completely hypothetical here,

    but what if everyone, and i mean everyone, stopped paying for their insurance. I just got cancelled for no-payment of my car insurance because i had to make a choice which was more important. health insurance, now mandatory: or car insurance always been mandatory. where is the line drawn here.

    How much of the states hand is in these insurance giants pockets and how much would it affect these companies if for one month we all just didn't pay.

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  15. #15
    Lifer Fitz's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Progressive had the best price for me (28 yr old male, married, pristine driving record). Allstate wanted $20 more per month to STORE the bike than progressive wanted to insure it while I rode it. In Allstate's defense, supposedly their rates are being overhauled in May. Geico doesn't insure bikes in NH that I'm aware of...

    Fitz

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  16. #16
    Unsafe At Any Speeds Jim's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by Triumphdog View Post
    Now I know all the douchbag riders out there have driven up the cost of insurance, but what the fuck!!! THIS IS BULLSHIT!!!!!

    I'm feel like skull fucking someone, then curbing their dumbass!!!
    i think you should send them your old avatar picture, since they're being assholes about their rates

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    Re: Bike Insurance BULLSHIT!!!!!

    So, you're talking about an increase of like $5/wk? I suppose maybe I'm just numb from paying through the nose here in MA over the years, but that's nothing I'd get too worked up about. Back when I'd gotten my first new street bike I was quoted over $3000 for full covereage. That was in VA. Way back in 19eightyfucking5! That was the list price of my new bike.

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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by Triumphdog View Post
    I asked the idiot on the other end of the phone why my insurance rate had gone up. I asked the idiot why it went up.
    I'm feel like skull fucking someone, then curbing their dumbass!!!

    How do you know the person on the other end of the phone was an idiot? I find that humorous........

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    Lifer akira700's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    You are paying for the insanity of others. They have no
    way of telling whether you are one of the crazies or not
    so they make everyone pay. Insurance is a racket.
    You HAVE to play and they get to make the rules.
    And they even get to change them when they think they
    are being too generous.

    Go see SICKO... the health insurance industry is
    even worse. Some countries feel that Basic Health Care is a
    right (England, Canada, Cuba, France) not the US though.

    They don't insure people to safe guard them, they insure
    people to make insane profits. In cases like this its good that
    Massachusetts has caps on various rates.

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  20. #20
    Rider. Just a rider... DucDave's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    ...another way to put it...we are all in the same risk pool. so, the squids drive up the risk and people like Doc drive it down. which do you think there are more of? squids or people like Doc...?

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    Lifer R1's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by akira700 View Post
    You are paying for the insanity of others. They have no
    way of telling whether you are one of the crazies or not
    so they make everyone pay. Insurance is a racket.
    You HAVE to play and they get to make the rules.
    And they even get to change them when they think they
    are being too generous.

    Go see SICKO... the health insurance industry is
    even worse. Some countries feel that Basic Health Care is a
    right (England, Canada, Cuba, France) not the US though.

    They don't insure people to safe guard them, they insure
    people to make insane profits. In cases like this its good that
    Massachusetts has caps on various rates.
    America does believe its a right for us to have basic health care, they believe its a right for the gov't to collect payment for said health care. welcome to the testing grounds for the rest of the country. good ole MA!

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  22. #22
    Winter sucks Nate Dawg's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by naked-daytrader View Post
    How do you know the person on the other end of the phone was an idiot? I find that humorous........
    shut up you pole smoker!!

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    Re: Bike Insurance BULLSHIT!!!!!

    So, as a 21 year old, with a bad bad driving record, i called MC insurance and was quoted 530$ for 12 months, liability,
    and 1200 for full coverage 12 months.

    That high?

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  24. #24
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by DucDave View Post
    which do you think there are more of? squids or people like Doc...?
    ............................ is that a trick question? It just seems too easy

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  25. #25
    Changes come butcher bergs's Avatar
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    Re: Bike Insurance BULLSHIT!!!!!

    Quote Originally Posted by Bandit12k View Post
    So, as a 21 year old, with a bad bad driving record, i called MC insurance and was quoted 530$ for 12 months, liability,
    and 1200 for full coverage 12 months.

    That high?
    IMO, not really considering the "criteria" insurance companies use....if it can even be called "criteria"...

    You're under 25 which is a huge factor and what contributes to higher rates is, you guessed it, your driving record.

    I'm not an angel by any means but once I turned 25 my insurance went way down.

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