Insurance rates for your bike....
#1
Insurance rates for your bike....
I am currently insured through National General Insurance on my Suzuki DRZ 400S dual sport bike. My rate is about $100 a year for liability on that bike.
So I called National General today and the first time got an idiot who didnt know what he was doing and transferred me to the HD dealer.....which was closed.
Anyway, so I called National General back and got a knowledgeable representative who gave me a quote over the phone. I was surprised to hear her say that to add in my 14 year old Harley, for liability only was gonna up my yearly premium by almost $200 bux. Is this a reasonable rate for liability for a 40 year old rider that has a clean record with 2 bikes insured under the same policy?
I just wanted to hear some feedback from you all. Not complaining, just wondering. If its reasonable I will just go ahead and add it on, if not I will shop around some.
So I called National General today and the first time got an idiot who didnt know what he was doing and transferred me to the HD dealer.....which was closed.
Anyway, so I called National General back and got a knowledgeable representative who gave me a quote over the phone. I was surprised to hear her say that to add in my 14 year old Harley, for liability only was gonna up my yearly premium by almost $200 bux. Is this a reasonable rate for liability for a 40 year old rider that has a clean record with 2 bikes insured under the same policy?
I just wanted to hear some feedback from you all. Not complaining, just wondering. If its reasonable I will just go ahead and add it on, if not I will shop around some.
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#3
well, I decided to call them back and damn if I didnt get some rude customer service reps......I swear I get so pissed off when I have to go through that mess. It used to be as easy as walk into insurance office, tell em what I wanted, and done. I set it all up for online now, so i dont have to deal with the rudeness.
I tried 3 times to get connected to the girls extension number that was so nice and knowledgeable. The rest were so unproffesional, and dumb it was nerve racking.
I tried 3 times to get connected to the girls extension number that was so nice and knowledgeable. The rest were so unproffesional, and dumb it was nerve racking.
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#5
Yea Upflying,
Sounds like mine. I am 39 years old, never had an accident or a ticket. 2014 Harley Breakout Softail through Geico. About $780.00 a year. Full coverage about the same as yours.
So no, that isn't high. That is always the thing about going to buy a new Harley. You figure in everything except that insurance that you forgot about lol.
Sounds like mine. I am 39 years old, never had an accident or a ticket. 2014 Harley Breakout Softail through Geico. About $780.00 a year. Full coverage about the same as yours.
So no, that isn't high. That is always the thing about going to buy a new Harley. You figure in everything except that insurance that you forgot about lol.
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#9
$316/yr for full coverage on my 2014 1200 Custom thru State Farm.
100/300 liability, comp/collision, uninsured/underinsured, towing/travel expenses, 250 deductible.
Interestingly, it costs nearly 2x more for the uninsured/underinsured loser coverage than for my own liability - uninsured/underinsured are over 60% of the premium.
100/300 liability, comp/collision, uninsured/underinsured, towing/travel expenses, 250 deductible.
Interestingly, it costs nearly 2x more for the uninsured/underinsured loser coverage than for my own liability - uninsured/underinsured are over 60% of the premium.
#10
$316/yr for full coverage on my 2014 1200 Custom thru State Farm.
100/300 liability, comp/collision, uninsured/underinsured, towing/travel expenses, 250 deductible.
Interestingly, it costs nearly 2x more for the uninsured/underinsured loser coverage than for my own liability - uninsured/underinsured are over 60% of the premium.
100/300 liability, comp/collision, uninsured/underinsured, towing/travel expenses, 250 deductible.
Interestingly, it costs nearly 2x more for the uninsured/underinsured loser coverage than for my own liability - uninsured/underinsured are over 60% of the premium.
I reluctantly renewed my policy with National General, mainly for convenience because I already paid up the year in full on my DRZ and thought it was gonna be quick and easy to add in my old Harley.
I didnt realize the young lady I got on the second call to National General was the ONLY knowledgeable employee they had at their call center. I wish I would have took the opportunity to renew my policy with her, instead I feel like I am waiting on some negative fallout from Lakwanda.
I recieved TWO emails from them, with my proof of insurance in them.
The first email stated all of the correct information, but an effective date of 8/18/14 through 8/19/14.......ONE DAY
The second email stated all of the correct information, with an effective date of 8/18/14 through 8/19/15
This has me worried that they may have screwed up my insurance account some how. I set it up online now so that I can avoid the dumarse reps at the call center in the future.