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[laramie LC4]

reading another thread and it got me thinking. i have seen several people reporting widely varying prices on their insurance. i thought it might be helpful to the masses to get a sense of what others are paying, and the companies they are using. maybe save us a couple bucks in the process.

i'll start;

GEICO Military Division, -  No tickets, no accidents, no claims, perfect driving history

2016 Zero FXS

Bodily Injury Liability                                                        $15,000/$30,000 = $17
Property Damage                                                              $10,000             = $15
Uninsured/Underinsured - waived (i got good insurance )
Comprehensive                                                                 $500 Deductible  = $38
Collision                                                                           $500 Deductible  = $329
Towing & Labor Costs                                                                                 = $12

Total 12 Month Premium                                                                             = $411

[Richard230]

Progressive, $87 a year, which includes multiple-bike, old folks, and long-time customer discounts. For this amount I get the following:

Bodily Injury Liability                                                        $250,000/$500,000
Property Damage                                                               $100,000

In 2009, I only paid $5 a year from Progressive for the same coverage on my 2009 Electric Motorsport GPR-S.   

[UW4E]

A comparisn from Germany, if allowed. Hopefully I hit the right translations)

Zero S 2015

78 Euro (87 $) per year (41 % premium rate (discount because of longtime customer without damage events))

Includes:

• Insurance against damage to third parties: 100,000,000 Euro (115.5 Mio $) (but max. 15,000,000 Euro (16.7 Mio $) per harmed person)
• Own damage claim (Own contribution in event of damage: 150 EUR (167 $))

[domingo3]

Progressive through USAA for 2016 FXS in GA, USA:

   Zero
BODILY INJURY & PROPERTY DAMAGE LIABILITY   $11.00
    BI $30,000 EACH PERSON - $60,000 EACH ACCIDENT   
    PROPERTY DAMAGE LIABILITY - $25,000 EACH ACCIDENT   
COMPREHENSIVE $500 DEDUCTIBLE   $49.00
COLLISION $500 DEDUCTIBLE   $15.00
ACCESSORY COVERAGE $3,000   INCL
    UNINSURED/UNDERINSURED MOTORIST - REJECTED   
    UNINSURED MOTORIST PROPERTY DAMAGE - REJECTED   
    PERSONAL INJURY PROTECTION - REJECTED   
Premium by Vehicle   $75.00
Automobile Burglary/Theft Prevention Fee   $2.00
Total Policy Premium   $77.00 for one year.

[idle]

Dairyland Insurance (No 'points' on record, but new customer to DL 2016)

2016 Zero DSR

Main vehicle ridden every day

----------------------------------------
Bodily Injury Liability
$50,000/$100,000
$43.78

Guest Passenger Liability
$50,000/$100,000
$22.32

Property Damage Liability
$50,000
$63.34

Uninsured Motorist Bodily Injury
$50,000/$100,000
$326.40

Underinsured Motorist Bodily Injury
$50,000/$100,000
$261.24

Comprehensive
$60,000
Deductible: $1,000
$105.72

Collision
$60,000
Deductible: $1,000
$128.76

Optional Equipment
$5,000
Included

Diminishing Deductible
Yes
$10.00

Physical Damage Plus
Yes
$20.00

Discounts:
-Transfer from Progressive ('03 sv650s)
-MSF Course
-Garaged
-AMA Member

Total Premium:
$981.56

$83.80/mo

[JJ2525]

I bought a '16 S as my first motorcycle and paid $1000 for the year for Progressive (other companies were right around this figure as well).

Seeing the low costs posted in this thread give me heartburn...Can I expect to pay significantly less next year? Do you all have many years of unblemished experience?

[BrianTRice@gmail.com]

I pay somewhere in the middle of this range ($500/yr) for two Zero's and a V-Strom and no cars with Progressive.

I'm in my late 30s with a few accidents over ~10 years.


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[Manzanita]

I had progressive, but my rates went through the roof after a single car accident last year (I accepted fault, but it was simply a car door that opened in front of the trailer--I was pulling out of a parking space very slowly). For whatever reason, Geico came in much lower. My Geico liability with 3 bikes with 100k/300k + 50k property damage is $283/year. The Zero comprehensive/collision with $500 deductible is an additional $121/year = $404/year total

[GambitDash]

Just dropped my bike and discovered I somehow didn't have collision insurance

But on Geico my comprehensive with a 1k deductible is $300. That doesn't seem right, and 1k of added collision is another $860/yr. Wtf!

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[laramie LC4]

yup, lots of varying numbers. i think i'm going to be calling around some more.

[Kocho]

2015 SR, Maryland, no points, no accidents...

Bodily Injury Liability                              $53.00
$50,000/100,000

Property Damage Liability                       $11.00
$100,000

Uninsured Motorist Bodily Injury              $27
$50,000/100,000

Uninsured Motorist Property Damage       $8

Total = $99

With collision and comprehensive (both with $500 deductible) the cost goes up to $500 a year, most of it due to the cost of collision...

This is the same cost as for my Vectrix for the basic coverage. Comprehensive and collision were a little bit cheaper on the Vectrix.

[laramie LC4]

looks like progressive may be the winner.

did their online quote and came up with MUCH better coverage and $471 cheaper per/year for my 2 bikes.

kinda pissed at GIECO and their special "military" branch. i will give them 1 more call and give them a chance to make it right, if not i think i will be shopping all my current insurance needs now...

keep it coming guys,

laramie 

[Starpower]

Been with Pacific Specialties here in Cali. for maybe 20 years and get great rates. Just added my '13 Zero S for $181/yr for full coverage with $500 deductible!

[clay.leihy]

2015 FX full coverage, $250 deductible, $80 annual premium, Progressive.

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[Kocho]

It would help to mention the state where you insure. That's a *great* price below. Mine is higher, but not because of the "R", it just is - my '07 and '09 Vectrix had the same costs to insure, more or less as the '15 SR.

Zero SR $99 a year for basic coverage as listed above (which provides more than the basic coverage someone else listed). Adding collision and comprehensive adds about $400 on top. GEICO, in Maryland. Have not found a cheaper option (similarly, they are the lowest for my cars).

2015 FX full coverage, $250 deductible, $80 annual premium, Progressive.

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