Which insurance company to get for my FZ6R in California

[legioss]

Which insurance company do you have for your motorcycle?
Why do you prefer your current insurance company to others (i.e. lower price, customer service, etc)

I have home and auto policy with mercury, but they do not offer motorcycle insurance. i am running out of time to register my motorcycle or pay penalty and Being that im newer than a newbi related to motorcycle, i wanted to ask you guys/gals and get some feedback on which company to consider.

Since, im in los angeles county, california, i would like to know about the insurance companies doing business in california and not a regional company that has no relationship with california.

Thank in advance,

 

[Adroit]

My broker is C Diamond Insurance, which got me a policy with progressive. It was just the cheapest rate I could find.. haven't had to use it yet so can't really comment on that, but can't complain about $34 a month for comprehensive + liability. I wish I could give you more information, but all I recall from a year ago when I looked into it was that this was the best deal I could find :/

 

[Hoops 09Raven]

I have McGraw Insurance, I have been very happy with them. Their rates are very reasonable too.

good luck!

 

[will415]

Ya I got progressive also good rates also got both my cars with them. Currently living in Fresno.

 

[jamesgarfield]

I've got McGraw as well. I'm 22 have full comprehensive w/ $500 deductible for $87/mo

No accidents or tickets w/in the past 3yrs

 

[dart1963]

Which insurance company do you have for your motorcycle?

you have to call them all, they seem to randomly assign prices.

I paid about $400/yr my first year riding, now down to $220, full coverage. When I tried to get a quote from Gieco, they said $1200/year... I told them they were nuts, that I currently had $220/year and had several quotes from other places at the $250 / year mark. They said there is no way I can get that kind of rate.... they treat our bike as a 600cc SS... you know, like an R6 :spank:

I'm also 40 yrs old with nothing on my record in over five years, live/work in a low crime county (very important) and own my home (well, the bank does...)

 

[Detrich]

www.ridewithmcgraw.com aka Pacific Specialty Insurance in Irvine, CA is -the- cheapest insurance, -if- all u want is basic liability... That said, with all the expensive cars and ambulance-chasing lawyers in So Cal, it may be wise to get full coverage if u can afford to... I started out my first 2 years with McGraw with just liability and now on my 3rd year I switched to Auto Club aka AAA. My auto policies are still with Mercury though. With McGraw I was paying around $350/ year for liability 50/75/50 with uninsured motorist. Currently am paying around $600 per year for full coverage for 100/300/250 with AAA. A motorcycle is a motor vehicle and it can still inflict serious bodily injury to pedestrians or bicyclists. No need to be paranoid, but its good to protect yourself if you can. Hope this helps.

 

[legioss]

Thanks all for the informative replies. I was only able to get a quotation from Progressive today. Their lowest liability policy that meets CA insurance coverage requirement came out to $144 for annual for me. I will try other suggested insurance company tomorrow.

I thought I would have some time to register my MC during lunch time, but I won't have time until next Monday. I think it worked out better, since I can now compare different rates.


As for the coverage, after learning to ride away from street in front of my home , I will definitely get a full coverage (that's if I don't wreck the bike before).

 

[Detrich]

In the beginning if u r very safe & very careful, u can prolly get away with just 15/30/15, assuming you're riding in low traffic areas etc. that shouldn't cost more than $150 to 200 per year.

But, lotta ppl forget as they progress and venture out into the world that $15k bodily injury liability is like a fart in the wind nowadays. With all the shady, ambulance-chasing attorneys that advertise to illegal immigrants on the side of public buses, we need to protect ourselves.

Don't ever skimp on insurance when the time comes.

 

[MichaelInVenice]

It's really impossible to answer the question, because which company offers the best rates will depend greatly on exactly what coverage you want. Some won't offer everything. Some will be cheap on the basics but really jack up the costs on everything beyond basic. Some are expensive for liability, others seem to be cheap for liability but really screw you on comprehensive and collision. So you're going to have to determine what you need, then shop around.

For myself, I always keep in mind thatI was in the hospital last year for an infection that required IV drugs and some other minor (non-surgical) treatment. Five days with no ICU and no surgical treatment came to just over $20K. Granted I'm in a high-rent district and the hospital charges might be less elsewhere. (Actually, that's the "discounted" rate they give my insurance company!) If you hit a pedestrian with a motorcycle, it's very easy to run through $15K in the first day, even the first few hours. The question becomes "how much have you got to protect."

For me, given that I do have something to lose and don't want to skimp on liability, it turned out to make sense staying with AAA, where I also have my car and condo. Seems that they were willing to give me credit for more than a decade of safe and claims-free driving, despite the fact that I was relatively new as a rider. That plus the multi-policy discount made them more than competitive. This will vary with the circumstances.

 

[Fenixgoon]

statefarm here. 250/500/100, full coverage ($500 deductible), $430/yr.