Whose you INSURANCE company??

[Tbowman053]

So I went to insure my p1000 through gieco, which is who I have my car insrance through and they quoted me $94 a month!!! Seemed very high considering I pay $115/month on for full coverage on an 04 f350 and 2015 explorer sport. Should I look elsewhere? Any recommendations? Thanks

 

[Admin]

 

[eastenn]

I got quotes from a couple online places, Progressive was the cheapest in my case

 

[AKRider]

So I went to insure my p1000 through gieco, which is who I have my car insrance through and they quoted me $94 a month!!! Seemed very high considering I pay $115/month on for full coverage on an 04 f350 and 2015 explorer sport. Should I look elsewhere? Any recommendations? Thanks

That's ridiculous! I pay about $170 for the entire year through Progressive.

 

[JTW]

I go thru KYFB.. that's who has my homeowners and auto. The sxs is just an addition to my home owners.. complete full coverage $17 per 1000 a year.

 

[Tbowman053]

I just tried to modify my Gieco quote and I cant get it under $900/year. I just didn't a quote with progressive and with my deductibles at $500 its $353/year. I cant believe how high gieco is wtf?!

 

[AKRider]

I just tried to modify my Gieco quote and I cant get it under $900/year. I just didn't a quote with progressive and with my deductibles at $500 its $353/year. I cant believe how high gieco is wtf?!

Wow! $75 a month? I wonder if it has to do with your state. Since it is being insured as a motorcycle, the rates in your state might be higher. $353 isn't bad I guess, but it still is high to me. Does that include total loss coverage?

 

[Tbowman053]

Yes that's with total loss coverage.

 

[AKRider]

Yes that's with total loss coverage.

I just looked at my Progressive policy and found that I didn't have total loss. I tried to add it but the website wouldn't let me. I need to call them and see what's up with that. I'm sure that's the difference in price.

 

[LandPioneer]

I have mine insured through Safeco. Full coverage with a $1k deductible, bodily injury and property damage liability includes $300k each accident including guest passenger (combined single accident limit). My total cost is $328/yr. You guys really need to make sure you are insured. I would hate for one of you to lose everything because of wrecking a toy while having fun.

 

[JTW]

I have mine insured through Safeco. Full coverage with a $1k deductible, bodily injury and property damage liability includes $300k each accident including guest passenger (combined single accident limit). My total cost is $328/yr. You guys really need to make sure you are insured. I would hate for one of you to lose everything because of wrecking a toy while having fun.

Agreed.. and on that note I would suggest calling your your homeowners agent and asking them about adding your bike to your homeowners policy.

 

[CumminsPusher]

So I went to insure my p1000 through gieco, which is who I have my car insrance through and they quoted me $94 a month!!! Seemed very high considering I pay $115/month on for full coverage on an 04 f350 and 2015 explorer sport. Should I look elsewhere? Any recommendations? Thanks

Geico all the way here! They have taken care of us several times and even the flooded motor from intake. Think it's 27/month full coverage about middle of the road on coverage and now 250 deduct. They take charge and no bulls*** when there's a problem and that's what it's used for. Very happy.

 

[JTW]

Geico all the way here! They have taken care of us several times and even the flooded motor from intake. Think it's 27/month full coverage about middle of the road on coverage and now 250 deduct. They take charge and no bulls*** when there's a problem and that's what it's used for. Very happy.

How on earth is there such a huge difference between quotes?? I would be interested in it with those numbers!

 

[CumminsPusher]

How on earth is there such a huge difference between quotes?? I would be interested in it with those numbers!

Not sure. It's pretty close to that it's 42/mo with that and polaris quad. Wife says that's what it is. Everything else we run Progressive but never had a claim with them so I can't comment on the important part. After what they did for us I'll never leave. Only negative they only allow 2000 in accessories...I might be slightly over that again lol. We were 1000 deduct prior


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[JTW]

I just tried to modify my Gieco quote and I cant get it under $900/year. I just didn't a quote with progressive and with my deductibles at $500 its $353/year. I cant believe how high gieco is wtf?!

@CumminsPusher this is what I was talking about..

 

[CumminsPusher]

@CumminsPusher this is what I was talking about..

Ya Idk. Age marriage previous record. That is a huge difference I just don't know why. We were totally clean till the Pioneers but they were no faults.


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[LandPioneer]

Agreed.. and on that note I would suggest calling your your homeowners agent and asking them about adding your bike to your homeowners policy.

What is actually covered under that policy? As in bodily injury etc?

 

[Tbowman053]

Not sure. It's pretty close to that it's 42/mo with that and polaris quad. Wife says that's what it is. Everything else we run Progressive but never had a claim with them so I can't comment on the important part. After what they did for us I'll never leave. Only negative they only allow 2000 in accessories...I might be slightly over that again lol. We were 1000 deduct prior


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Ive been with gieco for 6 years at one point in time had 4 vehicles and home owners with them. 1 claim that was $1200 in damages total and never budged my policy price. Now im down to 2 vehicles and home owners. Its literally cheaper to insure my $55k Explorer Sport.

 

[LandPioneer]

Ya Idk. Age marriage previous record. That is a huge difference I just don't know why. We were totally clean till the Pioneers but they were no faults.


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Yeah age, marriage, claim record, and combining policies can bring things down a lot. I insure 2 houses, a boat, 3 vehicles, and obviously the Pioneer with my policy. I'm sure that brings mine down some.

 

[LandPioneer]

Ive been with gieco for 6 years at one point in time had 4 vehicles and home owners with them. 1 claim that was $1200 in damages total and never budged my policy price. Now im down to 2 vehicles and home owners. Its literally cheaper to insure my $55k Explorer Sport.

In reality you are more likely to turn in a claim on the UTV than the Explorer. Some states are making these things high risk vehicles. I imagine if the popularity keeps rising so will premiums.

 

[Tbowman053]

In reality you are more likely to turn in a claim on the UTV than the Explorer. Some states are making these things high risk vehicles. I imagine if the popularity keeps rising so will premiums.

I guess lol. Gieco has always been great but they definetly lost my business with UTV coverage. I thought about calling but I just cant see them cutting their quote by 2/3. Looks like Ill be insuring with progressive for my Pioneer. I really only plan on using insurance for total loss ie fire, theft something of that nature. It is what it is at this point all I can do is shop around and go with what I feel comfortable.