[acecycleins]

From the Authority

Unless you're driving record sucks don't make a move, yet. State Farm probably has you in the "old" rater system. Meaning: your rate is based on cc size, age and zip code. Every other insurance company under the sun rates based on bike category (litre sportbikes or better are not your friend). So, until you get a non-renewal notice or they change the rating format on you- STAY PUT!

When things look bleak because you can't talk your way out of tickets then give me a call.

Kirk

 

[acecycleins]

I was actually shopping for insurance today. I am currently with State Farm. My agent is actually a friend of mine and said that the multi-vehicle discount does NOT extend to "recreational vehicles." Perhaps she was mistaken, but she did tell me to check out Progressive. Progressive was in fact cheaper. Also, I got a quote from Nationwide which was actually the cheapest. The difference between State Farm & Nationwide is hundreds of dollars! I had to do a double take to make sure I was comparing similar coverage-apples to apples. Another note, State Farm & Progressive said that they do NOT offer a discount for completing the MSF's BRC; Nationwide DOES offer a discount. Lastly, I've been with State Farm for 16 years, and I know that they are good with processing claims. I know nothing of how well Progressive or Nationwide process their claims-maybe you get what you pay for.

OK- I should have asked before, what Ducati model was our original post riding. What do you ride? That type of thing.
Here is the deal. For sportbikes 1098, 848 and such I'd stay with SF. If you own a Multistrada or ST or Monster then Progressive will not be cheaper, Companies like Dairyland or AMIG or PSIC will be cheaper. SO- to recap- sportbikes are great when rating on cc size like SF but just about every other bike in the known universe will be cheaper through anyone but SF. Sorry- should have asked more questions.
Kirk

 

[acecycleins]

"SO- to recap- sportbikes are great when rating on cc size like SF but just about every other bike in the known universe will be cheaper through anyone but SF."

Not always true. Nobody else can even touch their rates. I have looked around and State Farm has the best rates hands down. The other comapanies can't even come close.

I'll bet you a $25 gift card that if you send me a copy of your dec page within 1 hr I will find at least 2 companies that will write the same coverage for your bikes for less money than you currently pay. One caveat- no litre or better sportbikes- but everything else is one the table. Not only that but the companies will give you multi-bike discounts that SF doesn't do. They will also cover accessories on the bikes that SF doesn't do. They will also give you an option for tow coverage and safety gear coverage- that SF doesn't do. If I'm wrong you tell me what company you want me to go to to get your gift card.

 

[acecycleins]

I'm in. Where do I send you the info?

email [email protected] or toll free fax 877-882-3254.
Make sure I have your license number in you dec page and a phone number. I may call with a question or two. The quote will be direct from the underwriting company, because you probably don't live in the Southeast (where I'm licensed). Just let me know when you send it so I can start the timer> Kirk

 

[acecycleins]

This may be a dumb question, but what is a 'dec page'? :-D

declarations page- it tells you what your paying for in you policy.