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mktobob	Rave For Progressive Insurance		Lead	[-]
Posts: 2283 01/07/08 12:18 PM	Tags : None Some of you may remember that I dumped my bike while checking the air in the tires last August. Progressive did great and was VERY generous with the check they gave me for the repairs. Just moments ago I received an email from them stating that my rates were going DOWN. What gives? The email said that I will be receiving details in the mail soon. I will keep you posted. Bob
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alepel		#1	[url]	[-]
Posts: 7811 01/07/08 12:37 PM	Lucky you.....Progressive probably figured that since you couldn't stay on the bike, you'd never go anywhere and have an accident! Simple as that. alepel "Ride with the Spirit always, and in all ways"....hombldr
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BeauJames		#2	[url]	[-]
HSATF Road Captain Posts: 374 01/08/08 8:45 PM Road Captain	I just switched to Progressive when my previous company, BikeLine raised my premiums to what I felt was an excessive level since I have never made a claim. So far, I think I made the right choice. Upstate, SC 1998 Black and Chrome (the sexiest color) Patriot Guard Riders of South Carolina "If you want to hear God laugh, tell Him your plans"
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kcroadrocket		#3	[url]	[-]
Posts: 883 01/10/08 9:59 AM	i'd be interested to know what you guys pay for Progressive. i've never checked, because i figured they couldn't beat my present policy through State Farm. i realize location has a lot to do with the premium also, but i only pay around $74. a year for liability and comprehensive....63 years old and no accidents or tickets...lately! i do have all my other insurance through them also, put i'd always thought Progressive as a company you might have a problem with as far as a claim, but sounds like they've treated bob very well. later, bud
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alepel		#4	[url]	[-]
Posts: 7811 01/10/08 11:01 AM	Bud.....I live in Upstate New York and our premiums would have to be higher than almost anywhere else in the country. I am with State Farm also. Have been with them since 1967. I have always felt that their premiums were fair. I became especially indebted to them after they restored my home after a fire in 1989. They were a super company to deal with and took care of me and my family in the best way. I will always be forever grateful to State Farm and they have my undivided loyalty even if their rates were not the lowest. My feeling is that I have gotten MORE than I ever paid for, so I am way ahead of the game. alepel "Ride with the Spirit always, and in all ways"....hombldr
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mktobob		#5	[url]	[-]
Posts: 2283 01/10/08 12:06 PM	Insurance is a wild beast. The rates can vary a lot from one community to another. Alain, I see your point. State Farm was very good to you and I can understand your loyalty. I was very loyal to State Farm until I did some rate and coverage comparing on bike insurance. When I saw the difference, I had to change. Bud, as long as we are comparing apples to apples....don't change a thing on your bike ins. You are paying $74 to my $153 per year. For my $153 I get $100,000/$300,000 Bodily injury liability. $50,000 property damage liabliity, $100,000/$300,000 uninsured/underinsured, comprehensive collision with a disappearing $250 deductable, $3,000 accessory coverage and roadside assistance. Sue's 2001 Yamaha has the same coverage for $121. I had one claim with Progressive and they were there the day after I called to assess the damage. The next day the adjuster called with an amount. The next day I had a check. This may not always be the case with this company, but I can only speak from my experience. Bob
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Bigdaddy CC		#6	[url]	[-]
HSATF Member Posts: 31 01/14/08 8:29 AM	I have Progressive! I pay $130.00 a year for full coverage with a $250.00 deductable. I do not think you could shake a stick at that 1 ~~~!!
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bamaTrider		#7	[url]	[-]
HSATF 1st Officer Posts: 3706 01/14/08 11:32 PM	For comparisons on rates, my brother has an '03 GL1800 and I have an '04. He is with State Farm and full coverage same as mktobob runs about $310 annually. I have same coverage amounts with Progressive on my '04 GL1800, plus roadside assistance and an additional $2000 for accessories, and my annual rate is around $330. We are 5 years appart in age and live in the same town. Stan "We are different - yet we are the same" 2004 GL1800 Goldwing (Titanium) 1999 Ace Tourer (Silver over Black)
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CleRider		#8	[url]	[-]
Posts: 1904 01/15/08 10:36 AM	Stan, I'll never understand the pricing models used by insurance companies. When I had my 03 wing, a 86 Virago 1100 and an 04 Reflex, my rates were a little under $400/year. When I sold the Reflex, my rates were going to be higher for two bikes. I just left the third bike/scooter on my policy. Andy
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bamaTrider		#9	[url]	[-]
HSATF 1st Officer Posts: 3706 01/15/08 6:34 PM	Andy, full coverage by Progressive on my T runs about $120 annually coupled with the Wing. When the T sells I'll no longer get the multi-vehicle discount. Guess my Wing rate will increase so the insurance savings will be somewhat less than the $120 T rate. Stan "We are different - yet we are the same" 2004 GL1800 Goldwing (Titanium) 1999 Ace Tourer (Silver over Black)
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paul50	YOU GUYS ARE ALL GETTING A DEAL!!!	#10	[url]	[-]
HSATF Member Posts: 13 01/22/08 5:01 PM	I HAVE TO WIPE THE TEARS FROM MY EYES WHEN I READ WHAT YOU GUYS IN THE U.S. ARE GETTING AWAY WITH AS FAR AS INSURANCE GOES. UP HERE IN THE GREAT WHITE NORTH(AND IT IS VERY WHITE RIGHT NOW!) WE PAY ALOT MORE.! I AM PAYING AROUND $850.00 A YEAR FOR FULL COVERAGE ON MY 1998 T, AND THAT'S CONSIDERED PRETTY GOOD IN MY NECK OF THE WOODS! I HAVE BEEN RIDING FOR 7 YEARS ON 2 WHEELS AND 34 YEARS ON 4 WHEELS WITH NOT EVEN SO MUCH AS A SPEEDING TICKET!
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texcritter		#11	[url]	[-]
HSATF Tail Gunner Posts: 83 01/23/08 3:12 PM Tail Gunner	Since Progressive is by far the most affordable at $95 per year, I have stuck with them for the bike. I have never had to make a claim on the bike...but I felt like I got screwed after my daughter's accident last Easter. She had stopped at a stop sign about 2 blocks from the house and as she was making a right hand turn a pickup plowed across the front of he car. The investigating officer initially wrote her a ticket, but then tore it up after several witnesses came forward and told him what they saw and wrote another one on the other driver. The other driver was driving on the wrong side of the road and that was clearly apparent by the skidmarks that began less than two feet from the curb on her side of the street. I found out from a friend down at the court house that this "experienced" driver had been involved in four other accidents in the previous three months, but Progressive stuck to their original decision and hit my insurance with the claim going against my daughter.
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CleRider		#12	[url]	[-]
Posts: 1904 01/23/08 3:44 PM	Tex, When I was shopping for replacement auto insurance, a few accidents kept showing up on my insurance reports. It seems there is an insurance information clearing house, similar to a credit reporting agency, which all major carriers check before quoting a policy. I believe the insurance companies also check this clearing house when getting ready to make rate changes. Any way, I challenged the integrity of their database, forcing them to remove a couple of accidents which never happened. After the items were cleared I was able to get a better rate. Yeah, it was a PITA and took time, but in the long run the effort paid off. I cannot remember the actual company name, but your Progressive bill should list the names of outside companies and agencies they check. Andy
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