What California Motorcycle Insurance did you choose, and, more importantly, why?

Vicenzo

Vicenzo

Not the cat but the glove
// , Hi, there, I figure while we're doing reviews and recommendations, we might as well bring up the financial accessories to the gear, like motorcycle insurance.

I'm curious what an informal survey of our insurance companies might show.

As for me, personally, I'm looking for something affordable, reliable, and a good complement to an AMA membership.

Did you ever file a claim?

Did you get road side assistance, and did you ever have to use it?
 
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Butch

Butch

poseur
Staff member
Lolocastsb said:
Progressive, because it was the cheapest and they have an AMA discount.
Click to expand...

That. I have an umbrella liability policy with Liberty Mutual, so I try to minimize the insurance expense.

I've never needed to file a claim in 41 years of riding. Luck, I know, and i have already won the gamble.
 
TonUpTimes

TonUpTimes

Well-known member
Geico, they were the cheapest at the time, also my car is under them.

I can attest that they renewal has either stayed the same price or decreased by a few bucks over time.

Anyone have any experience switching? I heard it is almost always cheaper to shop around every few years.
 
Aware

Aware

Well-known member
Like others here. I switched from Progressive to Geico. It was significantly cheaper for more coverage and the addition of multi bike.
 
Vicenzo

Vicenzo

Not the cat but the glove
Results so far:
GEICO x 9
PROGRESSIVE x 2
USAA x 1
LIBERTY MUTUAL x 1
STATE FARM x 1

Perhaps it's open for dispute whether GEICO is the best, or provides better service, but apparently they're pretty popular on the BARF!

I decided to go with them, at least for a year, and check again next year.

Hopefully I can use my AMA membership for road side assistance.

My experience with Progressive lead me to conclude that they don't take their road side assistance program all too seriously, and outsource it to contractors upon contractors until it resembles the Taxi system in its outdated horror.

Seriously, someone needs to invent Lyft for road side assistance, and outdated outsourcing-happy companies like Progressive need to buy it.
 
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zixaq

zixaq

Well-known member
I've been with Progressive. I liked their customer service years ago when I had car insurance with them.

Sadly Allstate won't insure new riders, or I'd have gone with them. The Geico and Pacific Mutual quotes were the same within ~$20 per year for two bikes, so I wasn't interested in trying it.

Also, those shopping should know that Progressive does NOT offer an AMA discount anymore unless you already had a policy with them from before 2015.

Fuck State Farm always and forever. Useless thieves. They could offer me insurance for free and I wouldn't take it.
 
P

platini

Well-known member
Insurance

I have foremost more expensive than the others but I am completely cover for track days no questions ask, as long as it is not a race since I do a lot of track days it is worth it to me
 
cg_ops

cg_ops

1-Armed Bandit
AAA - they contract through Progressive. I've had my WR250 on liability @ $500/year (1 major ticket). I just got a quote for full coverage on the Husky 701 and liability on the WR for $750/year
 
Killin_ix

Killin_ix

Well-known member
I have AAA for my car and wanted to do the same for my moto. They sent me to America Modern but I still got an umbrella discount. Rates are decent and AAA road side is covered for my moto too.
 
Smash Allen

Smash Allen

Banned
I am looking for comprehensive only - specifically looking for insurance against theft - however the only company I have found that will offer me a comp policy includes collision as well and is prohibitively expensive...
 
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