Security / Alarm System Insurance Discounts

[Rob]

So I've been thinking about getting a system for the bike. I have a 2012 6R and ever since I bought it a few months ago it has been garage kept and barely ridden since the weather isn't too kind to bikers during MI winters. However, soon I will be moving to Orlando (keep your fingers crossed) and will most likely be parking outside an apt complex unless I'm lucky enough to find a garage for cheap. The bike is also my only form of transportation. With all these factors and changes going on I thought it wise to get a decent system for the bike. I read through some threads about different systems and noticed a few of them mentioned discounts. I did not find any specific thread on insurance discounts for security / alarm systems for motorcycles so I thought it would be wise to have a thread for us to share the info we come across for the multitude of companies we all have insurance through.

I have Allstate. I called them today to get the skinny on what I'd be saving. I've narrowed my choices down to a Gorilla 8007 or 8017 or a Scorpio SR-i800s or SR-i900, for those of you wondering. I'll leave out why since there are plenty of threads on these systems that explain the various features and pros/cons. I spoke with a gentlemen who told me that for Allstate it does not matter which security device you go with, the discount will be the same. It is 5% off your Comprehensive Premium. That is the only deciding factor they use. Since the discount doesn't change depending on which system I go with it and it not being a huge discount, it won't affect my decision on which I choose to get. But it may for some of you with different insurance providers.

Discounts may change as time goes by and is different across companies. If anyone has time to call up their respective insurance provider and ask whether they provide a security discount and if so how what factors they use to calculate it, if it's different with each system, etc. and then post that info here I think that would be a huge help. It'd help those looking to save some $$$ and may even help them decide which insurance to go with if that particular discount is big enough to sway their decision.

Anyway, for Allstate: 5% off your Comprehensive Premium. And all you have to do is send them a copy of your receipt for the system or device you have. They also said it doesn't have to be professionally installed in order to receive the discount.

(side note: right now Scorpio is having a Winter sale on the two above mentioned systems. You have to buy directly through them however their sale prices beat anything I found on eBay, Amazon, or any other site. i800 MSRP $159 on sale for $109. i900 MSRP $329 on sale for $249. Sale ends Feb 28th at midnight)

 

[FZ6R2013]

i would make sure you lock it down bigtime.

front / rear disc locks., alarm type

alarm with pager if possible

and also some type of huge ass chain & anchor system.

bolt that sucker down to floor or wall


they steal bikes from apt complexes all the time, research it on net.

thats the one spot they target most.

 

[Rob]

i would make sure you lock it down bigtime.

front / rear disc locks., alarm type

alarm with pager if possible

and also some type of huge ass chain & anchor system.

bolt that sucker down to floor or wall


they steal bikes from apt complexes all the time, research it on net.

thats the one spot they target most.

I have a couple safety measures already in place. this thread is more for the various types of discounts that different insurance providers offer so members can have an idea of what is out there when making a decision about what security system to get. there's already plenty of threads on how to secure your bike and other security concerns so that's why i didn't get into that on this thread. but i appreciate the input anyway.

 

[FZ6R2013]

I have a couple safety measures already in place. this thread is more for the various types of discounts that different insurance providers offer so members can have an idea of what is out there when making a decision about what security system to get. there's already plenty of threads on how to secure your bike and other security concerns so that's why i didn't get into that on this thread. but i appreciate the input anyway.

yup, just trying to look out for ya man.
im in process of gettin bike / ins, etc, and read all the horror stories about apt complexes.

im in south fla.
40 yrs old
quoted $1400 year full coverage 2013 fz6r
state min $100
state + medical (10k) = $600 year

and lastly , $1080 yr =state, medical 10k, and comp only, no collision

if you alarm it, amke sure to hide the alarm / wiring real good, make it blend in with factory wiring, impossible to find and cut / disable.

 

[Rob]

Anyway, for Allstate: 5% off your Comprehensive Premium. And all you have to do is send them a copy of your receipt for the system or device you have. They also said it doesn't have to be professionally installed in order to receive the discount.

So apparently the two agents I spoke to several weeks ago suck at their job. Both knew I had a motorcycle and I spoke with both for several minutes verifying all the information I had to give them and what they asked of me. Well a few days ago after faxing in my receipt I get an email saying more paperwork is needed so I give them a call only to find out that the 5% off my comprehensive premium they said I would get only applies to Auto Insurance and not bike insurance. On top of that it has to be a lo-jack system or some type of GPS tracking security system which they also failed to mention (they said it could be any type of theft prevention device/system), even though that still wouldn't matter for me since I have a bike.

This only would have equated to roughly $8-9 dollars a year for me but still pisses me off that two different agents on two separate occasions who had all my info told me incorrect information. And the higher up person I talked to today didn't even offer to provide any kind of financial retribution for all the misinformation I was given except to say he was sorry. C'mon son, we're only talkin' about $8 a year, throw me a bone! Oh well I guess. Allstate is still by far the least expensive for the kind of coverage I want in my area so I'll stick with them for now. Just wanted to update the thread and see if anyone else has come across any discounts through their provider they might like to share.

 

[SpawnXX]

So apparently the two agents I spoke to several weeks ago suck at their job. Both knew I had a motorcycle and I spoke with both for several minutes verifying all the information I had to give them and what they asked of me. Well a few days ago after faxing in my receipt I get an email saying more paperwork is needed so I give them a call only to find out that the 5% off my comprehensive premium they said I would get only applies to Auto Insurance and not bike insurance. On top of that it has to be a lo-jack system or some type of GPS tracking security system which they also failed to mention (they said it could be any type of theft prevention device/system), even though that still wouldn't matter for me since I have a bike.

This only would have equated to roughly $8-9 dollars a year for me but still pisses me off that two different agents on two separate occasions who had all my info told me incorrect information. And the higher up person I talked to today didn't even offer to provide any kind of financial retribution for all the misinformation I was given except to say he was sorry. C'mon son, we're only talkin' about $8 a year, throw me a bone! Oh well I guess. Allstate is still by far the least expensive for the kind of coverage I want in my area so I'll stick with them for now. Just wanted to update the thread and see if anyone else has come across any discounts through their provider they might like to share.

I haven't taken the time to read through this entire thread yet, but I am with Progressive and I am happy with them.
I know there are discounts for:

• ABATE Course Completion
• AMA Membership

Those are all I know of off the top of my head.

 

[Rob]

I haven't taken the time to read through this entire thread yet, but I am with Progressive and I am happy with them.
I know there are discounts for:

• ABATE Course Completion
• AMA Membership

Those are all I know of off the top of my head.

Thanks. I did the MSF course which is similar to the ABATE course and i get that discount as well as the AMA one. The agent I spoke with today said the only discounts through them I have left that I could get is combining home and auto insurance with my bike insurance, of which I own neither so I apparently receive all the discounts I can as of right now.

 

[SpawnXX]

Thanks. I did the MSF course which is similar to the ABATE course and i get that discount as well as the AMA one. The agent I spoke with today said the only discounts through them I have left that I could get is combining home and auto insurance with my bike insurance, of which I own neither so I apparently receive all the discounts I can as of right now.

Rob, where in MI are you again? I didn't pay attention when we did business. Lol