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Jun 6th 2018, 08:15 AM   #16
 Gremlin's Avatar
 
  May 2016
  The Socialist Republic of Seattle

  SV650 X 2
I had GEICO for twenty years for my cage and motorcycle. I shopped around on the internet. Switched to State Farm and saved $240 (six months) on the Focus and $50 a year on the SV650.

I never made a claim with GEICO, but they kept raising my rates. I told them I did not want $20,000 worth uninsured property damage on a Focus I paid $1,000 for.
Jun 6th 2018, 08:59 AM   #17
 Alpine 318is's Avatar
 
  Jun 2016
  Kirkland, WA

  2011 Triumph Daytona 675
State Farm for Auto/House

Progressive for motorcycle
Jun 6th 2018, 10:47 AM   #18
 
  Jul 2016
  tigard

  2013 Ninja 1000
Geico for the car in Oregon
American Family Insurance for the house and cycle ($23.55 per month full coverage).
Jun 6th 2018, 12:17 PM   #19
 paradox206's Avatar
 
  Jan 2016
  Des Moines

  M1200S, VFR800, XR650R & GSXR750
Quote:
Originally Posted by Inspector
Any other info is just a bonus.
Opinions...everyone has them, but I'd seriously consider maxing out your uninsured/under insured coverage. Personally, the last thing I need is someone with $25k coverage (or no coverage) hitting me, putting me in the hospital for a month (or months) and their insurance only covering a fraction of the bill. That's not even considering lost wages for who knows how long, not being able to pay/falling behind on bills or losing my house.

I know the risks of my preferred form of travel and I know too many people with the bare minimum liability coverage for their vehicles, so riding with the minimum or no insurance is a no-go for me.

Edited by paradox206 on Jun 6th 2018 at 12:20 PM
Jun 6th 2018, 01:22 PM   #20
 MarvTravis's Avatar
 
  Jan 2016
  Kirkland, WA

  Kawasaki ZX-14
Quote:
Originally Posted by albatrosscafe
Haven't had insurance on my bike in WA in over 6 years. $0/year

Should really get at least liability though. I don't care if my bike explodes, but I would hate to have to pay for a scratch on an $80,000 mercedes.
... or pay who knows how much if you maim/kill someone. Without adequate liability coverage, you're really putting yourself in jeopardy, possibly for the rest of your life.
307T, albatrosscafe and Gremlin like this.
Jun 6th 2018, 01:56 PM   #21
 larsvons's Avatar
 
  Jan 2016
  PDX

  '15 KLZ1000, '03 SV650S
Literally just switched from Gieco to Progressive. 3 bikes, full coverage, good record, $900/yr with Geico to $400/yr with Progressive.
Didley likes this.
Jun 8th 2018, 09:15 PM   #22
 
  Jun 2018
  portland

  650 v star
15 a month with geico on a 03 v star 650
Jun 9th 2018, 06:15 AM   #23
 Texasl's Avatar
Moderator
 
  Jan 2016
  Northeast Olalla

  07 Guzzi
Quote:
Originally Posted by paradox206
I know the risks of my preferred form of travel and I know too many people with the bare minimum liability coverage for their vehicles, so riding with the minimum or no insurance is a no-go for me.
Quote:
Originally Posted by MarvTravis
... or pay who knows how much if you maim/kill someone. Without adequate liability coverage, you're really putting yourself in jeopardy, possibly for the rest of your life.
For any fool who thinks that riding without insurance is a good idea, you are merely putting yourself at the mercy of the financial responsibility laws (RCW 49.29). I'd rather walk into a casino, drop the house payment on 00, and walk away hoping that when it hit the pit boss would look me up and pay me my winnings.

As for uninsured/underinsured motorist coverage, it is tied back to your collision/comprehensive limits. It's the major portion of your premium, but if you have $10,000-$20,000 (or more) tied up in a bike it's well worth it.
Jun 10th 2018, 10:25 AM   #24
 Pheelix's Avatar
 
  Jan 2016
  Everett, WA

  2003 SV650S
Allstate - SV650S 2003 - Full Covrage
$226.48 Year. $145.01 Discount with 2 vehicles, 1 trailer and a house.
Jun 15th 2018, 06:19 PM   #25
 
  Mar 2016
  98271

  Wobbling down the road
As someone previously said, too many variables to accurately give who's the lowest.
However, Dairyland won't jerk you around.
Two riders, m/f, mid 30s, excellent credit history, 3 bikes: 1098SF, R6s, FZ1: $75/month.
Comes out to about $12 per person, per bike, per month.
Full coverage, higher limits, including $5k of gear coverage, and rental car coverage. Deduct: $500 for comp and $1k for collision - anything up to that, you're better off paying out of pocket to save the ding on your insurance; at fault of not.
They offer a MSF discount, being a home owner, multi-bike, and garaging it in the winter..haha.
Had State Farm for years, but got tired of the rate hikes, on both bikes and vehicles. So now bikes are at Dairyland, and vehicles/homeowners is with Geico, where the premiums have not spiked.
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