There are many variables and no one company is going to offer consistently the best rates; even for you when you get a different bike.
I had previously thought that I’d get a better deal by dealing directly with insurance companies instead of through agents (cutting out the “middle man” as it were), however on both my house and motorcycle insurance, I’ve been proven wrong, and by quite a large financial margin.
For anyone in California, I’d recommend you check out Mike Felder Insurance in Concord, CA. He’s a motorcycle-only insurance broker and got me a screaming deal compared to the quotes I was getting from insurance companies that I’d called.
Unfortunately, I also had the need to claim on the insurance he arranged for me. I called the insurance company’s claim line, they asked me if I wanted to shop around for repair quotes myself or go with their “concierge” service. I opted for the latter and they arranged for a professional motorcycle repair shop to pick-up the damaged bike which they later returned complete with new (not salvaged) parts and looking just like the accident had never happened. Completely trouble free.
http://www.7cycles.com
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