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What did you do to Your Sportster Today?

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  #9121  
Old 06-05-2019, 10:38 AM
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Originally Posted by firehawk6
Stared at it's insurance premium for the coming year.

Damn, first year was $180, last year was $242, the new policy is $378. No accidents, tickets, or claims. When questioned about 'actual cash value' on comp & collision when the bike is worth less but the cost goes up, you get silence and some mumbling about costs going up with all carriers. In other words, no explanation...

Gonna play, 'ya gotta pay I guess.
Same thing happened to me last year, I started shopping around and saved about $400 a yr, so I changed companies, that's for 2 cars and my bike.

Sounds like a commercial, haha.......but true
 
  #9122  
Old 06-05-2019, 10:43 AM
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Originally Posted by Zateeva
Same thing happened to me last year, I started shopping around and saved about $400 a yr, so I changed companies, that's for 2 cars and my bike.

Sounds like a commercial, haha.......but true
The bike is insured thru Markel, the house and 3 other vehicles are insured thru State Farm. Guess I'll see what State Farm can do, maybe some kind of discount for having everything with them. Won't hold my breath though...
 
  #9123  
Old 06-05-2019, 10:44 AM
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Yea kinda like homeowners fire insurance here in CA. Don't dare make a claim unless its a big one, for ANYTHING, cause they will pay it then drop you. If you live rural, like we do, no one will cover you. Yet the mortgage company insists you have to have fire coverage.

Torques my jaws that insurance companies can rake in billions, but when catastrophes happen and folks need to make claims on what they paid for for years, the insurance companies will triple your rates or not cover you at all after that.

Just renewed my tags, $130 for a 2007. Full coverage insurance is closer to $400.
 
  #9124  
Old 06-05-2019, 10:46 AM
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Firehawk
We have all ours thru State Farm and you do get a discount. Question is, is it better than shopping around will get you. Still seems to go up every year. Make a claim and you REALLY pay.
 
  #9125  
Old 06-05-2019, 10:53 AM
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Originally Posted by handirifle
Yea kinda like homeowners fire insurance here in CA. Don't dare make a claim unless its a big one, for ANYTHING, cause they will pay it then drop you. If you live rural, like we do, no one will cover you. Yet the mortgage company insists you have to have fire coverage.

Torques my jaws that insurance companies can rake in billions, but when catastrophes happen and folks need to make claims on what they paid for for years, the insurance companies will triple your rates or not cover you at all after that.

Just renewed my tags, $130 for a 2007. Full coverage insurance is closer to $400.
The problem is, Insurance companies have morphed into investment firms, actually providing coverage is nothing more than a necessary evil to them. YEARS ago, I tapped the rear end of a car because some dumbass ran the stop light and she slammed on her brakes. Cost was $275 to fix, the insurance company said anything over $250 we raise your rates 30% for 3 years. I told her, lady I could throw my keys on the hood of your car and do $250 worth of damage. Point is, they may have paid the $275 up front but, if I hadn't dropped them I would have ended up paying the claim and then some. It's a racket...

Tags for my '17 here in Indiana were $116, and you don't even get a new plate, just a little white .05 sticker with 20 on it.
 
  #9126  
Old 06-05-2019, 02:13 PM
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Well.... butter my butt and call me a biscuit. State Farm was cheaper on the bike, $201 vs $278 from Markel.

Been a productive vacation day, cut the Xfinity bill by $40/month, cut the bike insurance by $77/year, and after discussing the homeowners policy that had the coverage way too high, that will be going down too.

Mommy and I may splurge this evening, and order a pizza!
 
  #9127  
Old 06-05-2019, 02:43 PM
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Funny, when the wife and I got the insurance for my bike, we were also informed about some kind of farm donation that we could make that lowered our overall car insurance bill enough to cover the insurance cost of the bike. Weird stuff.
 
  #9128  
Old 06-05-2019, 03:02 PM
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Insurance in the US is awesome. . .
 
  #9129  
Old 06-05-2019, 03:55 PM
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Originally Posted by johnny_bravo00
Insurance in the US is awesome. . .
Why do you say it like that? Is insurance in Canada not so good?
 
  #9130  
Old 06-05-2019, 06:57 PM
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Made some minor adjustments to the ergonomics and more importantly, went for a ride. It's been raining 40 days and 40 nights here with very few breaks.

 


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