I agree with those points. You really should shop around for the best insurance rates, and talking to an agent/Progressive's online agent tool is by far the best way to get a reasonable quote. There was a 300$ difference between an agent quote and the online direct Progressive quote for the same coverages for me. Don't be afraid to talk to an agent; you can get up and walk out whenever you want if you don't like the prices.I'm an insurance agent and I'm here to help. LOL
a) going with "Liability Only" coverage makes sense if the cost of "Full Coverage" is prohibitive to you (and I mean YOU, not anyone else here or anywhere) and if you are not financing your purchase, in which case you are required (usually) to carry coverage for damage to the bike itself.
b) Progressive, Foremost, and Dairyland are 3 very good companies to look at. Also, if you have State Farm for your autos, then talk to them, too. Do NOT eliminate a company because someone here said their rates were high and do not choose one company because people here said their rates were low. Your rate is based upon more factors than the type of bike (I have listed some of them in another thread), so get quotes from ALL the recommended companies to be sure you get the one that's right for YOU. Personally not a fan of GEICO, but that's just my opinion--I don't like their business model.
c) buying "direct" (internet or toll free) is not necessarily any cheaper. A good independent agent should be able to get you the price you want along with some very expert advice about coverage limits and quality of the insurance company you are thinking about.
Hope this helps
Note that if you do own a house, you should carry more than your states minimum coverage. If you cause an accident that 25k/50k coverage will be gone in a flash at the hospital, and if that's your limit of coverage, they will come after your house next.@shaddix
Owning a house, married, etc plays a HUGE part in insurance rates, as does the zip code you keep the bike at. If I changed my zip code to one a couple towns over, it drops 100/year. Own a house, another 150/year. Riding experience does play a part with Progressive also.
man geico insurance is way higher for motorcycles progressive is the way to go. I pay $800 a yr less for better Coverage with a $250 deductible and a $30000 accessory coverage plus road side assistance! My advice use geico for cars progressive for bikesI only have liability since full coverage runs about $1500 a year and that is through Geico. mine is $600 for 12 Months, bare minimum coverage and that is with a loan.
This bike is cheap to insure full coverage. Im paying 44$/ month with Geico. I even has roadside. where a tow truck may come in but charge on a separate rate. The tow companies charge which is really expensive. Glad there maybe people (other riders) in my area that may help on that.I'm sure this is posted somewhere, but what kind of insurance ya'll going with? I paid off my bike and thinking liability only.