Insurance? Who has best premiums & best service? (SoCal) - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
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post #1 of 14 Old 09-12-2017, 02:55 PM Thread Starter
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Question Insurance? Who has best premiums & best service? (SoCal)

So I'm gettin' me a Wee this weekend. I'm getting online insurance quotes everywhere I can, and boy, are there ever some HUGE differences. Like, same coverage from one vendor is literally more than twice as much as from another vendor.

I like cheap, but not at the cost of crappy service. Please share your stories on "I got cheap insurance from X but their service sucked when I had a claim" or "I paid more at Y but they treated me a lot better" or what have you. I'm in Los Angeles (the Valley), if that makes any difference. And I'm looking at how much having a LoJack will reduce premiums.

I'm leaning towards having pretty high coverage, 'cause I'm a family man and I'm paranoid. So, like $250k/$500k/$100k, underinsured/uninsured motorist protection, Comprehensive with maybe a $500 deductible, collision maybe if the premiums are low enough. (2011 for $3200) My last motorcycle, I was with State Farm, and they treated me well. And is it worth joining the AMA for discounts on premiums etc.?
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post #2 of 14 Old 09-12-2017, 03:01 PM Thread Starter
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Oh, and should I have insurance arranged before I buy the bike and take it home? Or just take care of it the next day?
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post #3 of 14 Old 09-12-2017, 03:50 PM
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State Farm FTW in my opinion! They've insured all my bikes (and vehicles, and homes, and my businesses) since the early 90's, have always done right by me, and have always been less expensive than any others when I've bothered to check.
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post #4 of 14 Old 09-12-2017, 04:27 PM
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service really depends on your local claims adjuster, all insurance companies have good ones and they have dickheads, you won't know till you have to make a claim, or talk to your local dealer, ask em which insurance companies have good adjusters in your area, and which have dickheads

go for cheap, but compare apples to apples, same deductibles, limits of liability, exclusions, etc.

be sure to read the exclusions, some may be accessible to you some not, for instance, my policy would not cover me on a track day, but I don't do em, so I don't care, if I did track days I would be looking for another company

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post #5 of 14 Old 09-12-2017, 07:44 PM
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FYI, "track days" are literally be considered "training" and so can be covered under insurance! You're absolutely not racing; simply honing your skills. For real!

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Two Brothers with P1 tips, PCIII USB, SuperBrace Fork Brace, K&N filters, ROX bar risers, Kappa top and side cases, MadStad, Givi tall windshield, Givi engine guards, Sargent Seat, 12 volt air compressor, 530 Conversion, 17/44, SpeedoDRD, Rudolph Nose and Antlers
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post #6 of 14 Old 09-12-2017, 09:14 PM
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Most Ins give you 24 hours grace before a call to cover. Given the chance, they would like to know in advance.
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post #7 of 14 Old 09-12-2017, 09:35 PM
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Quote:
Originally Posted by WildDoktor View Post
FYI, "track days" are literally be considered "training" and so can be covered under insurance! You're absolutely not racing; simply honing your skills. For real!
my exclusion doesn't say anything about racing, my policy excludes "closed course events", I can street race all day long, and most importantly participate in Iron Butt Association competitive events, but a track day is on a closed course........ not covered, no matter what it's called

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post #8 of 14 Old 09-12-2017, 09:51 PM
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When it's come up, most of the guys I ride with have Progressive (I part time with some plated dirt bikers). AAA doesn't offer moto insurance in my area, but offers a bundle rate with all the other insurance policies I have through Progressive. I went through the agony of price shopping a couple of years ago and found it hard to beat the bundle. When they raise the rates, my wife calls them on their bs. It's amazing how they can come up with ways of discounting costs if you ask.
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post #9 of 14 Old 10-22-2017, 09:54 AM
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Personally don't think they can be beat. At one time I was paying $18.00 year on one of my bikes (multiple bike discount and had insurance with them over a year so you get a discount). They specialize in motorcycles.

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post #10 of 14 Old 10-22-2017, 10:09 AM
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I'm with Progressive and I have "full coverage" but not sure about the specifics $10k liability, $30k each accident and $1k deductible on my 2012 650 for $60 per year.

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