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Go Back   FZ1OA Message Board > FZ1 & Fazer Owners Association > Purchasing, Insurance, & Warranty

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Old 08-17-2013, 09:14 PM   #121
Mr Gone 57
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Progressive Raped me

I initially had Progressive. USAA rolls you over to them

Progressive charges $915 for maxed out PA coverage

Rider gave me same coverage for $293
Facts I'm 55
2010 FZ1
2010 New Rider
No Tickets ext last 3 years

Try Riders for quote
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Old 08-17-2013, 09:42 PM   #122
grommet
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Since I last posted in this thread about a year ago, my rates for the motorcycle went down to $187 then $150.

Still with Progressive. Full coverage, roadside, and accessory coverage of $3K

It's hard to complain about that.

In the past couple of months, 3 of my riding friends have either wrecked their bikes or gotten hit by a car. (none were hurt) All three got big payouts for the damage, in all cases a lot more than the damage/bike was worth. One has a new bike, one got all new plastics and exhaust for his bike, and the other has a big check and is bike shopping.
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Old 12-27-2013, 09:21 AM   #123
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Quote:
Originally Posted by JohnnyLfromCT View Post
You guys who carry liability only on anything but an absolute jalopy POS are out of your gourds...

IMHO, of course.

I definitely agree... Full coverage is something you definitely want to carry just in case of an accident/ theft... theres nothing worse than knowing that you're out a couple thousand dollars..
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Old 01-22-2014, 05:04 PM   #124
hellboy7
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I hope everyone knows it's probobably the best idea to keep full coverage. While everyone doesn't think that they're going to crash their bike and wreck... who wants to be out a couple thousand dollars?
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Old 01-30-2014, 03:14 PM   #125
gmagz06
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Well, ten months later and Progressive has once again demonstrated their willingness to be sneaky and slowly jack up the rates on my car insurance.. Last time I posted up on this topic, I managed to basically cut my premiums in half all because I told them to re-run my credit. Nothing changed, not even my driving record since then, yet my monthly premiums have gone back up by about $50 bucks to $130 for the same coverage. What a load of crap. Progressive is shady and losing me as a customer as soon as I find a replacement. I shouldn't have to call them out on a regular basis just to get the best price.
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Old 02-25-2014, 09:24 AM   #126
malbojah
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I had full coverage on my 08 when I crashed at the Rally last year. Insurance paid me more (not by much) than what I paid for the bike a year earlier.

Course, they jacked my rates to the moon for my car and new bike when renewal time came about.....
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Old 03-01-2014, 12:04 PM   #127
gdcpony
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I don't have an FZ1 (yet), but I currently pay under $300 a year to Progressive for me and my wife on the following under OH rules (home state as I am military):

2005 H-D Sportster
$79.00

2012 Honda CBR250
$71.00

1977 Yamaha XS650
$39.00

2001 Yamaha FZ1
$83.00

Uninsured adds
$18.00

Coverages
Limits of Liability
Bodily Injury & Property Damage Liability
Bi $100,000 Each Person - $300,000 Each Accident
Property Damage Liability - $50,000 Each Accident
Medical Payments $2,500 Each Person
Comprehensive $250 Deductible
Collision $250 Deductible
Agreed Value (77xs650)
Accessory Coverage $3,000
Uninsured/Underinsured Motorist
$12,500 Each Person - $25,000 Each Accident


Total Policy Premium After the Change(with FZ1): $290.00
Total Policy Premium Before the Change (W/out FZ1): $241.00
Difference: $49.00

Adding my daughter to the XS650 adds $50/yr since she "snuck in" to a BRC and ARC at 15.

Edit: I also have one "no fault" claim last year when I guy made my XV250 (last commuter bike) into a hood ornament and didn't have insurance.

Last edited by gdcpony; 03-01-2014 at 10:22 PM.
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Old 03-13-2014, 09:26 AM   #128
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There's certainly a price to pay for being 24 with 2 car wrecks on my record. Fender bender when I was 17, and a BIG fender-bender at 18. Both were my fault. I shouldn't have kept my GPS in the passenger seat, and I definitely shouldn't have been looking at it while trailing a Buick Lesabre that survived unscathed but made the front end of my mint little Acura look like a crushed soda can.

Geico just offered me a quote on the FZ1 (1st Gen)

Full coverage, $1500 a year.


Seeing as how I live in DC and I take public transportation when I'm not riding the bike the price tag is manageable. But damn, I hate seeing how little y'all pay lol.
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Old 04-01-2014, 02:53 PM   #129
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I pay $28/Month from Allstate with $1,000 deductibles and 100/300 coverage on my 2008 FZ1, 2008 Triumph Sprint ST and 2004 R1. The FZ is considered Sport Touring, so insurance should be very cheap. The Sprint is only high due to replacement parts pricing and the fact it was $14,000 new. I run $1,000 deductibles on everything I own A) Because it keeps cost way down and B) Because I keep a lot of money in the bank to cover such problems.
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Old 05-31-2014, 12:02 PM   #130
Radman
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I was perusing the posts thinking about how lucky you guys are. I have Allstate & pay $70 a month. That is the best deal to be had in the Detroit area. When I retire out of Michigan I imagine my rates will be less than half.

Now if I had of bought an R1 it would be 4 times my current rate.
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Old 07-07-2014, 08:19 PM   #131
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I had full coverage for the first year on my FZ1. That Insurance company sent me a non renewal notice. Had a 9 mph over ticket on my record(year and a half prior) from getting out of the way of an 18 wheeler in my pick up. Allstate charged me $460 a year for liability and comp for two years, after that it went down to $240/yr.
I figure I've saved about $4000 in dropping collision after the first year.
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Old 03-19-2015, 12:23 AM   #132
mattg
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I just received a quote from my agent for the new 2013 FZ1 I'm picking up. Progressive, who I 've been with for 8 years wanted $1200 a year for the same coverage I have on my 01 for which I'm paying $302. Dairyland came back at $640. Guess which way I'm going. By the way I carry 100\300\50 liability and $250 deductibles for comp and collision.
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Old 03-19-2015, 04:30 AM   #133
lowercasee
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I have full coverage with high limits (100K/300K bodily, 50,000 property, 100K/300K Uninsured and UnderInsured) and low deductibles 250/100 collision/comp and my premium is $239 / year. I have home and car insurance through them as well so there is a multi-policy discount. Recently shopped home ins. on the new place and checked car/bike as well. The closest anyone could get on the bike was about $500 so I just stuck with Allstate.
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Old 03-28-2015, 03:47 AM   #134
packnrat
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insurance is such a blood sucking scam hoisted on our backs by the lawyers lobbyists.

even if you try and not have it, you have to give $50K to the state..they hold it with no interest paid to you.


and even with it your insurance company says go ? yourself if you have been hit by another person that even has insurance. then if you have noon...you get a ticket. for trying to save a little bit of cash so other bills can be paid.

state farm has had me for decades. but time for a change...only one bogus ticket in twenty years. increase my rates by 20%. (failed to "obey" a sign..did not see it). was hidden by a rig. hard to see something behind a 50 foot van.

but what. a freak girl? is tht a woman?
or a slimy lizard. at least the insult America ad's are over.
or mr voice over. over charge you, they get the interest and give you penny's back?


yes i am sore. tired and grouchy. as well as broke.


.
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Old 04-18-2015, 05:45 AM   #135
mjstouty
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Dairyland gave me the best rates I could find, another helpful tip from this site, it's the gift that just keeps giving. :-)
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Old 09-09-2016, 04:09 AM   #136
psmith994
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Thumbs down

12 Month Price: $3754.15
Down Payment as Low as: $939.75
Monthly Payments: $570.00

that's what dairy land wanted for me. what the?!?
41 year old male and no coverage on anything else. this isn't anywhere close to reasonable.
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Old 09-09-2016, 04:34 AM   #137
DocShred
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Progressive was least here in Austin at $400 full cover 12 months.
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Old 09-09-2016, 04:53 AM   #138
YamahaMan444
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I switched from DairyLand (30$ a month, minimum coverage, plus theft/vandalism/hitting an animal and crashing protection) to Esurance (111$,a Year for the same thing)

Esurance is by far the best insurance I've ever had. It really is cheaper and their customer service is top notch
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Old 09-09-2016, 05:23 AM   #139
DocShred
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Originally Posted by YamahaMan444 View Post
I switched from DairyLand (30$ a month, minimum coverage, plus theft/vandalism/hitting an animal and crashing protection) to Esurance (111$,a Year for the same thing)

Esurance is by far the best insurance I've ever had. It really is cheaper and their customer service is top notch
Wow that a great price, guess I should have shopped even more as I just renewed.
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Old 09-09-2016, 06:18 AM   #140
Heathen
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Originally Posted by DocShred View Post
Wow that a great price, guess I should have shopped even more as I just renewed.
Doesn't matter. Switch anytime and your current provider will give you a prorated refund.
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