First of all, hello everyone again! I haven't posted or even lurked here in a while but I hope to do more so now that riding season is slowly making its way back. It's almost June which means my annual re-up of insurance so here's one of my famous(?) threads on rate premium comparisons. ENJOY!
(2015 Thread)
These quotes are for the second most basic level of insurance plus theft, which is what I've ran with since last year. Collision adds an additional $135 for any level of limits for Progressive (didn't check the others because honestly why bother when the victor was beyond clear this round). I also removed any of the insurance companies that required the added effort of contacting agents or having to wait for their agents to contact me...nope, I took the liberty of making the assumption that they would STILL not have competitive rates with Progressive and thus aren't worth my time haha....now on to business!
1- Progressive: $175 (Current, renewal)
2- Geico: $280
3- Rider: $363.53
4- Allstate: $397
5- Markel $603
Also if you're wondering what I meant by second level of most basic:
Bodily Injury & Property Damage Liability----------$25,000person/$50,000 accident/$10,000 property damage
Uninsured/ Underinsured Motorist Bodily Injury----------$15,000person/$30,000 accident
Pedestrian Personal Injury Protection----------$250,000(with $250 ded and 20% co-pay)
Medical Payments----------No coverage
Transport Trailer----------No coverage
Physical Damage Options----------No coverage
Comprehensive----------No coverage
Collision----------No coverage
Disappearing Deductibles----------No coverage
Uninsured/ Underinsured Motorist Property Damage----------$5,000 (with $500 deductible)
Roadside Assistance----------No coverage
Accessory Coverage----------$3000
In light of making this thread more useful I messed around with different coverage levels, check check it:
PI&PDL:250/500/100---U/UMBI:250/500
Rider:$536.73
Progressive: $404
PI&PDL:250/500/100---U/UMBI:100/300
Rider:$494.44
Progressive: $332
PI&PDL:250/500/100---U/UMBI:50/100
Rider:$472.28
Progressive: $287
PI&PDL:250/500/100---U/UMBI:25/50
Rider: $458.19
Progressive: $251
PI&PDL:250/500/100---U/UMBI:15/30
Rider: $434.02
Progressive: $246
PI&PDL:100/300/50---U/UMBI:100/300
Rider:$456.17
Progressive: $324
PI&PDL:100/300/50---U/UMBI:50/100
Rider:$434.02
Progressive: $278
PI&PDL:100/300/50---U/UMBI:25/50
Rider: $419.92
Progressive: $243
PI&PDL:100/300/50---U/UMBI:15/30
Rider: $395.75
Progressive: $238
PI&PDL:50/100/25---U/UMBI:50/100
Rider:$413.88
Progressive: $244
PI&PDL:50/100/25---U/UMBI:25/50
Rider:$399.78
Progressive: $209
PI&PDL:50/100/25---U/UMBI:15/30
Rider:$375.61
Progressive: $204
PI&PDL:25/50/10---U/UMBI:25/50
Rider:$387.78 ($202.41 w/o theft)
Progressive: $180
PI&PDL:25/50/10---U/UMBI:15/30
Rider: $363.53 ($178.24 w/o theft)
Progressive: $175
and I'm 28, single and have a clean record.
(2015 Thread)
These quotes are for the second most basic level of insurance plus theft, which is what I've ran with since last year. Collision adds an additional $135 for any level of limits for Progressive (didn't check the others because honestly why bother when the victor was beyond clear this round). I also removed any of the insurance companies that required the added effort of contacting agents or having to wait for their agents to contact me...nope, I took the liberty of making the assumption that they would STILL not have competitive rates with Progressive and thus aren't worth my time haha....now on to business!
1- Progressive: $175 (Current, renewal)
2- Geico: $280
3- Rider: $363.53
4- Allstate: $397
5- Markel $603
Also if you're wondering what I meant by second level of most basic:
Bodily Injury & Property Damage Liability----------$25,000person/$50,000 accident/$10,000 property damage
Uninsured/ Underinsured Motorist Bodily Injury----------$15,000person/$30,000 accident
Pedestrian Personal Injury Protection----------$250,000(with $250 ded and 20% co-pay)
Medical Payments----------No coverage
Transport Trailer----------No coverage
Physical Damage Options----------No coverage
Comprehensive----------No coverage
Collision----------No coverage
Disappearing Deductibles----------No coverage
Uninsured/ Underinsured Motorist Property Damage----------$5,000 (with $500 deductible)
Roadside Assistance----------No coverage
Accessory Coverage----------$3000
In light of making this thread more useful I messed around with different coverage levels, check check it:
PI&PDL:250/500/100---U/UMBI:250/500
Rider:$536.73
Progressive: $404
PI&PDL:250/500/100---U/UMBI:100/300
Rider:$494.44
Progressive: $332
PI&PDL:250/500/100---U/UMBI:50/100
Rider:$472.28
Progressive: $287
PI&PDL:250/500/100---U/UMBI:25/50
Rider: $458.19
Progressive: $251
PI&PDL:250/500/100---U/UMBI:15/30
Rider: $434.02
Progressive: $246
PI&PDL:100/300/50---U/UMBI:100/300
Rider:$456.17
Progressive: $324
PI&PDL:100/300/50---U/UMBI:50/100
Rider:$434.02
Progressive: $278
PI&PDL:100/300/50---U/UMBI:25/50
Rider: $419.92
Progressive: $243
PI&PDL:100/300/50---U/UMBI:15/30
Rider: $395.75
Progressive: $238
PI&PDL:50/100/25---U/UMBI:50/100
Rider:$413.88
Progressive: $244
PI&PDL:50/100/25---U/UMBI:25/50
Rider:$399.78
Progressive: $209
PI&PDL:50/100/25---U/UMBI:15/30
Rider:$375.61
Progressive: $204
PI&PDL:25/50/10---U/UMBI:25/50
Rider:$387.78 ($202.41 w/o theft)
Progressive: $180
PI&PDL:25/50/10---U/UMBI:15/30
Rider: $363.53 ($178.24 w/o theft)
Progressive: $175
and I'm 28, single and have a clean record.