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Old 08-26-2013, 07:39 AM   #1
FireStrings85 OP
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Insurance providers in California?

Can you guys recommend a good provider for motorcycle insurance in California? I could use an awesome quote for less than $400 :o)
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Old 08-26-2013, 07:54 AM   #2
kubiak
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i have state farm. i pay around 27 a month for full coverage.
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Old 08-26-2013, 08:59 AM   #3
trc.rhubarb
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Call Mike Felder (925) 687-8045
He's a broker and a rider.
He only sells motorcycle insurance, only in CA and works without fee to you.
He's been cheaper for me than anywhere else I've looked and is a good guy.

Looks like his webguy let his website die but he's still out there.
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Old 08-26-2013, 09:04 AM   #4
tom28734
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Progressive has been great for me in several states. California and Oregon included. By FAR the best price, and they support motorcycling in many ways.
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Old 08-26-2013, 10:38 AM   #5
trc.rhubarb
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Quote:
Originally Posted by tom28734 View Post
Progressive has been great for me in several states. California and Oregon included. By FAR the best price, and they support motorcycling in many ways.
A note on that. Progressive direct was more than double what I got it for through the broker I listed.
I'm not normally so behind an insurance guy but I had a small accident (my fault) and rates went through the roof... from 700/year to over 3k/year. He got them back to 700. (keep in mind, full coverage for 3 bikes)
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Old 08-26-2013, 11:45 AM   #6
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Originally Posted by tom28734 View Post
Progressive has been great for me in several states. California and Oregon included. By FAR the best price, and they support motorcycling in many ways.
When I priced out my bikes with Progressive a while back, they were about 30% more than Geico when I tried to get them to similar coverage.

One thing you need to know about Geico, they don't cover riding gear other then helmet, and they don't*(always) cover additions to the bike like aftermarket luggage and so on. You can explicitly include these with Progressive. I'm still with Geico, mainly because I didn't have any bad experience with them and secondly, even if I count an incident every few years, with the money I save compared to Progressive, I can buy new gear every three years anyways (and that's the most expensive BMW brand gear).
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Old 08-29-2013, 09:59 PM   #7
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Fwiw, my wife is in the insurance industry and she thinks State Farm has the fewest fine print "oh we don't cover that" carve outs. Not necessarily the cheapest, but competitive and better coverage.
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Old 08-29-2013, 10:01 PM   #8
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Originally Posted by double_entendre View Post
Fwiw, my wife is in the insurance industry and she thinks State Farm has the fewest fine print "oh we don't cover that" carve outs. Not necessarily the cheapest, but competitive and better coverage.
Not sure it was State Farm or something else that sounded agricultural, but a few years back I called an insurance for a quote and it was about five times of what I paid at Geico for my GS. Wasn't even worth thinking about it and I regretted the 10 minutes on the phone with them.
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Old 08-29-2013, 10:04 PM   #9
tjt94
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Markel American. I pay around $220 per year for full coverage.
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Old 08-29-2013, 10:19 PM   #10
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Call James Tucker at AAA in Cerritos....he'll give you a quote...everybody likes AAA..ask for James by name, he'll treat you right.
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Old 08-29-2013, 11:38 PM   #11
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Originally Posted by cug View Post
When I priced out my bikes with Progressive a while back, they were about 30% more than Geico when I tried to get them to similar coverage.

One thing you need to know about Geico, they don't cover riding gear other then helmet, and they don't*(always) cover additions to the bike like aftermarket luggage and so on. You can explicitly include these with Progressive. I'm still with Geico, mainly because I didn't have any bad experience with them and secondly, even if I count an incident every few years, with the money I save compared to Progressive, I can buy new gear every three years anyways (and that's the most expensive BMW brand gear).
Same experience here...Progressive jacked my rates so I switched to Geico and saved a bunch. Nice web interface as well.
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Old 08-30-2013, 05:19 PM   #12
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I gotta ask: "Quote for what coverage?"
Do you mean the minimum that the state requires?
That is basically money to pay the other party when you are at fault. But is not enough to cover a lawsuit if you did something really bad.
There is nothing for your bike; nothing for your body.
Is that really what people want? and buy?
And if you do want something to cover damage to your bike, the cost would certainly depend upon some factors of the bike, e.g. displacement and type.
So I just do not understand when someone wants a "quote for less than $400".
Note - I'm not trying to start a flame war; not picking on the OP.
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Old 08-30-2013, 06:10 PM   #13
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Pacific Specialty, $375 for full coverage and uninsured motorist on my 06 R1150GSA
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Old 08-30-2013, 06:19 PM   #14
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It all depends on your driving history, age etc. but the best I've been able to find is with State Farm. Last time I shopped around was 2 years ago. BTW that is the only policy I have with them.
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Old 08-30-2013, 07:35 PM   #15
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Quote:
Originally Posted by cug View Post
Not sure it was State Farm or something else that sounded agricultural, but a few years back I called an insurance for a quote and it was about five times of what I paid at Geico for my GS. Wasn't even worth thinking about it and I regretted the 10 minutes on the phone with them.


Maybe you're not insuring enough?

We've got the house, three bikes and two cars with them plus excellent driving records. She has told me that if one of us (read: I) get a ticket, our rates will go way up.
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