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I have two vehicles and renters insurance thru Allstate, but their MC rates are pretty high, and my body shop guy tells me they aren't all that good about paying claims like they used to be. So my MC insurance is thru McGraw Hill, my bills come from Pacific Specialty in Anaheim. Allstate subs this out to them, I suppose Allstate gets a small premium for that.

I have one speeding ticket that was three years old yesterday. No DUI's ever. As of today, I'm a clean driver. Ya.
PS told me it would be another 1000/year or so to add Comprehensive, which covers theft, fire, vandalism.
They went on to tell me it would be another 1000 or so for full coverage.
So they wanted about 2200/year for Liability, Comprehensive, and Collision.
I asked why so much, they said the RVT1000r is a unique race bike, therefore a super high risk.
Obviously they don't want to sell comp and collision for my bike.
Interestingly, the rates are about half that for a CBR1000rr.
So I was told.

btw, my body shop owner/friend tells me Geico is an Allstate subsidiary. And they're difficult about paying claims. He says they push for aftermarket parts instead of OEM, and they are just chintzy. He doesn't like dealing with them, too much time wasted arguing over coverage and proper repair. Triple A is the exact opposite, he says. He's on their prefered vendor list, gets a lot of work thru them.
I had McGraw Hill for liability on the bike for years, till they were no longer the cheapest. I agree with you r friend 100% on AAA, I have heard the exact same thing about them from our body shop. After 30 years with no claims my family has had a stroke of bad luck. 3 cars totaled in less than a year, all the uncontested fault of the other (women) drivers, one rear end collision on the freeway because she was tuning her radio during rush hour stop and go traffic and never saw traffic come to a stop and never hit her brakes (by her own admission in the police report). The other 2 by inpatient women turning left in front of us at the last possible moment. We were compensated in less than 2 weeks in every case with higher than blue book value. In one case they helped us get the settlement from Geico, the other parties insurance, for my son's injuries. Geico tried to claim he was 20% liable, AAA said hell no and offered to help if Geico didn't back off. When my wife sent them a harshly worded letter on her law firm's letterhead they changed their tune and paid the full claim. So, yeah, based on that reaction from Geico I would say your friend is also correct there too. They fabricated a story that my son was responsible for 20% of the damages because he "must have been speeding or he could have avoided their client", despite a police report and 2 witnesses statements that clearly stated that the other driver was at fault, just to save a couple thousand bucks. BTW, their evidence for that claim, satellite images of the intersection, they didn't even bother to send anyone out to the scene, just used Google Earth. That almost made me drop Geico, and if I had full coverage I would have, but since I only carry liability I won't be the one who has to try to collect from them in the event I'm at fault in an accident. So, while I renewed with Geico because they were the cheapest for me, I think they are a piece of crap.
 
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@fj1200rj, after a long spell of no accidents, like 15 or 20 years, I was rear ended 4 times, inside 6 months, in 4 different vehicles. That was 2004. No accidents since then. Talk about weird.
Got a good story about one of them that tried to run after clipping me hard enough to spin me around : I chased that bastard down in my built 54 f100, cornered him in a gated apartment complex, in desperation he rammed the gate several times with his already folded up and smoking front end, the licence plate got torn off and dropped to the ground. He didn't realize that i guess, because after several ramming attempts the gate finally broke enough for him to pass through. And he sped off.
I stopped chasing him, got out of my truck, and calmly called 911 while picking up his licence plate. The police waited till about 4;00am, went to his house, woke him out of bed and arrested him. His car was in his garage! LmFAo!

And here's the last vehicle I was rear ended in. Total. Allstate paid me about 22K for this one. I had about 25 into it, and 87 pages of documentation and pictures for the build. Good thing I saved all that stuff.
 

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Love that story, not the part where you got hit in an awesome truck, the part where his dumb ass got what he had coming! My father in the was involved in a hit and run. Problem we have here is about 30 miles east of me is a community I gave to pass through to get to work. This will probably sound racist to some over sensitive types, but it's simply the truth. A large percentage of said community are illegal (sorry, I'll try to be politically correct, undocumented) aliens. As you know, we must all carry liability insurance in Cali, if you don't the DMV will suspend the registration on all vehicles registered to you. Most of them are without valid D.L.'s as well. They get around the law by registering their vehicles to one of their "legal" family members, he or she gets the cheapest 15/30 liability policy they can find, and they share the vehicles. No, I'm not being "racist" or guessing this happens, I know families who do or have done it. Until 11 years ago I lived in the neighboring community. Hit and runs are quite common in this area, go figure, most of them know that they're here illegally, driving illegally and run because they can't pay and are afraid of being deported. My father in law was hit by a truck full of gardeners, who rear ended him and ran. Mr. Trump, if you need a hand with that wall, call me. I'll come lay some bricks.
 

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Nothing racist about that. In fact, it's ridiculous how carefully one has to choose their words these days.

Ever laid bricks before? I was a hodd tender in my youth. Kept two masons going all day - bricks, scaffolding, mud, and raking the joints at the end of the day. Hard work.

Trump said the Mexicans will pay for the wall. Do you work for peso's? (They're worth about 5.6 cents currently) :D
 

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If it will keep them out no compensation is necessary...
 

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I pay about $110 for the year on my 93 RR. I can't tell you what's covered and what's not, but it's probably not going to get rebuilt if I have an off, but I have all the pics and receipts, so I should probably see if it's actual value or not.
 

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Looks like I need to spend sometime with a State Farm agent. I didn't even bother with them before because I couldn't get a quote online, and I figured it would be in the same ball park as the rest anyway.
 

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i pay £300 fully comp, protected ncb, PC3 and exhaust declared to the insurer, past insurance claims declared and I'm 52! The insurer is Ageas and from past experience they are good at settling claims with no fuss - they had also insured my BMW and paid out total loss claim within a week and had the car picked up in 2-days. Sadly the price of a claim knocks on to the bike insurance as you have to declare ALL claims regardless of what it was on/in, so even works vehicles would have toe be declared.
 

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I just insured my '03 CBR954RR through Geico today. I haven't had a ticket in about 15 years, and am 38 years old. No accidents in 17 years. $186/year. My KTM 525 EXC that was street legal was $100/years. I was told that was the absolute minimum cost of a motorcycle policy. Only claims that I've had in the past 17 years is 2 or 3 broken windshields, through my glass coverage. I've had uninterrupted coverage for the past 17ish years. Was hopeful for the policy price to stay the same at $100/year, but at nearly double the cc's, and being a sport bike, maybe I'm at the minimum cost for this bike. Either way, it's not much money. Considering the value of this bike, I didnt even ask what comprehensive and collision would cost. I wasn't interested, as I am sure that I wouldn't pay for it.

Nik
 

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$82 per year for a 2002 CBR954 from State Farm. It only has liability and comprehensive coverage.

$47 per year for my wife's 1993 EX500 through State Farm. It only has liability and comprehensive coverage.

Neither bike has much monetary value, so its not worth fully insuring them.
 

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I am paying around 300 Euro for whole year for my 2002 Blade.
Thats include Traffic insurance and if i crash into someone there vehicle.
No money for my bike if a crash.
 

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Interesting that people here don't mention the type of coverage they have. Coverage goes way beyond Liability or Full. The amount of coverage is a major factor, and often quotes that are really low, aren't covering much, or they have very high deductibles. Comparing nothing but cost between companies without full disclosure of the coverage means nothing.

I pay $334.49 USD annually on my 2001 CBR929. Here is what I get from State Farm

Bodily Injury and Property damage liability: 100/300/50
These numbers are important and can often be much lower to make insurance seem cheaper. These mean I have coverage of $100,000 bodily injury liability insurance per person, $300,000 total bodily injury liability insurance per accident, and $50,000 property damage liability per accident.

Medical Payments Coverage up to $1000
This is used to cover any co-pays for my own medical expenses

Comprehensive coverage with $100 deductible
This covers damage to my bike in an accident where I have hit another vehicle or object

Collision with $250 deductible
This coverage is damages or loss of my bike to anything other than a collision (theft, fire, vandalism, weather, etc..

Uninsured Motorist coverage 25/50
This covers me in cases where an uninsured motorist is at fault. This basically takes the place of the liability insurance they should have had. It covers up to $25,000 bodily injury coverage per person and $50,000 bodily injury per accident as well as $10,000 property damage coverage
 

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Interesting that people here don't mention the type of coverage they have. . .
Fair point, and there can be wide variations between 'basic' and full comprehensive cover with extras like helmet and leathers cover.

I have a range of bikes on multi-bike policies with Motorbike Insurance Specialists - All bike types covered . For a bike that is mainly stored like my NS400R I choose Third Party, Fire and Theft only (£45.58) whilst the dearest is my Fireblade SP2 at £389.67 for Full comprehensive. I do expect a substantial reduction on that this year. I am shuddering at what might be quoted for the 2020 RR-R SP :eek: .
 
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