- This topic has 3 replies, 4 voices, and was last updated 13 years, 11 months ago by Rab.
Insurance For Bikes
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May 7, 2010 at 11:53 am #3933Sunny123Participant
I live in upstate NY and was wondering where to inquire for best price quotes on insurance ? Also I know some states you do not have to carry insurance. Pros and cons on that.
Tks
May 7, 2010 at 1:24 pm #26258megaspazParticipantstate farm. cheapest for motorcycles I’ve found. but i’m in california and region might play a part in the price.
May 7, 2010 at 2:53 pm #26261CBBaronParticipantWith all insurance you need to shop around. I’ve seen different people have the best rates with State Farm, Progressive, Geico, Nationwide, etc.
I would not recommend riding without insurance for the same reason you need auto insurance. Bikes are still plenty heavy, powerful and potentially dangerous to cause serious damage to others and their property. The point of insurance is to cover you “incase”.
Craig
May 8, 2010 at 5:14 pm #26289RabParticipantThere 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.
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