| Author | Message | ||
     Hex |
I've got at least three running motorcycles, and a Jeep. I also drive other peoples cars a lot, mom, sister, swmbo, etc. When talking with Geico and Progressive, they tell me that I have to take out separate insurance policies for my jeep and my bikes, but I only have one butt! Does anyone know of a way that I can just insure my one BUTT while operating any vehicle, (mine and/or another owner's)? | ||
| Froggy |
Yea, I was in the same situation, so I got rid of the car. I get by with 4 bikes. | ||
| Hootowl |
Yeah, I wish I could insure myself, and not the cars/bikes. Can only drive one of them at a time. I do get a multiple car discount though. My truck is in my garage undergoing a renovation. I still carry comprehensive on it, no liability (it isn't drivable). If I drop the truck, my car insurance will go up more than the cost of the insurance on the truck. It's better than free. | ||
| Xb12xmike |
In the not to distant future, you will be required by federal law to pay 500.00 per year to just possess a drivers license which enables you to drive any CLASS 1 Passenger Cars (2 Axles). Each valid drivers license will automatically carry liability insurance. However, if you get caught without one in your possession while driving...the penalties will be severe. (even if you just forget your wallet) Only new vehicles (financed) will require collision/theft. (Optional for others)Reduced fees and easy check in/out for individuals whom accept the electronic ID chip in their wrist.  | ||
| Buellkowski |
It's auto insurance, not people insurance. I once thought I could get away with driving a classic car I owned that I didn't take out a policy on, since I already had a policy on my daily driver. When the time came to insure the classic, State Farm threatened to deny my application because I had been operating it without their knowledge. You might be able to negotiate a multi-vehicle discount? | ||
| Reepicheep |
That ticked me off also, and was just stupid for the insurance policy... Insurance (full coverage) for my 05 XB9SX... $X per month. Insurance (full coverage) for the 05 XB9SX and *just liability* a 1985 KLR-250 valued at $1500 on a *good* day... $X + $15 per month. Think about it... it was just liability, and if I am riding the KLR-250, I can't be riding the 9sx. And if I wreck the KLR-250, they only pay for what I hit, not for the bike. Unlike the 9sx, where they would pay for the bike and my target. Not to mention that I would have to work pretty hard to hurt anything with a KLR-250 in the first place  . There just isn't that much too 'em. If their stats guys were on the ball, they should have given me a $10 per month *discount* to insure the KLR-250. That was one of the big reasons I sold it and got a pure dirt bike. Between wearing out good knobbies on the street, and paying $180 extra per year in insurance, it wasn't worth having a street legal dual sport... just get a real dirt bike and keep it uninsured and off the street. | ||
| Preybird1 |
It is the same for me i have 3 bikes and 1 car. The car cannot be on the other policy, But the bikes can be on the same one. I would use progressive because there pay out for accessories is 3000.00 and not 2000.00 like geico's is! Some of my riding gear alone tops out the 3k limit not including the mods to the bikes. | ||
| Hootowl |
Liability on my 83 500 Shadow was $90 a YEAR! Those days are over. | ||
| Fast1075 |
Bikes are popular in Florida...you don't have to "have" insurance...lol | ||
| Froggy |
That would be freaking awesome, it will cut my insurance cost by at least 70%. | ||
| Hex |
It's auto insurance, not people insurance. I guess I just don't get it. 1. Why does my 'Auto' insurance go up if 'I' get a speeding ticket? 2. 99.9% of the time the 'auto' doesn't cause a claim (caveat Toyota)  Here's the kicker: I got a 5mph over, radar ticket 2.8 years ago. Why do I have to buy a 6 month policy when come Aug 1 it will be off my record? Can't I just get a month to month until then? I checked into an Umbrella policy, but through Geico, it only covers above and beyond a car policy. I hear Lloyds of London will insure ANYTHING. Too bad our resident insurance sales man won't chime in here and help a fellow Bueller out. | ||
| Hex |
I wanted a gas tax in Cali that covered personal liability. Dream on. | ||
| Ratbuell |
1. Why does my 'Auto' insurance go up if 'I' get a speeding ticket? Because "you" will be operating your "autos", and "your" speeding ticket makes "you" a higher risk while "you" are in those "autos". Hard for your "autos" to go out on the road without "you" (or your judgement/permission, which they see as "challenged" by the fact that you got a ticket by disobeying the law). Not a soapbox...I've collected my share of "driving awards" over the years  But like any business - like it or not - they're in business to a) provide a service and b) make money while doing it. And Hootowl? You CAN insure yourself. It's called health insurance. Fact is, though, that our bag-of-water bodies won't cause much damage to that Buick when our car hits it, so insuring "ourselves" doesn't do a lick of good there. And, as mentioned in an earlier paragraph, it's tough for our cars to do any damage at all without us (or our permission/judgement allowing others to operate them in our absence). | ||
| Hex |
Ratbuell, no disrespect, but your logic is non sequitur and equivalent to erroneous, contemporary justification. Q: How many surrealists does it take to change a light bulb? A: Fish. | ||
| Etennuly |
How about this. Has anyone other than you ever driven one of your vehicles? If so, is there any chance that they would happen to drive it while you are driving one of the other ones? | ||
| Ratbuell |
Non sequitur or not...it is the way it is. Sucks, huh? | ||
| Birdy |
Nope it's NOT Auto insurance nor is it YOU insurance. It's Insurance Company Profit! By law they are exempt from the Monopoly laws can share info back and forth and “fix” prices. Guess if you put enough money in the right pockets you can get away with anything...right BP? I pay for a car and two bikes the car’s in one policy with the bikes on another, all from the same company. And like’s been posted I can’t ride but one at a time. Yea insurance is SO fair. Last wreck I was in, I was rear ended, the kid had no insurance. He skip town never to be found I had to pay the deductable. Of course MY insurance went up because of it. | ||
| Pwnzor |
Yeah insurance rates go up no matter who is at fault in a crack up. I'll stick with geico over progressive because I refuse to feed the beast that wants to kill me. | ||
| Xb12xmike |
Because "you" will be operating your "autos", and "your" speeding ticket makes "you" a higher risk while "you" are in those "autos". He could also rent a vehicle or borrow a vehicle from someone else who pays less. In the not to distant future..., If the Drivers licenses fee's paid for a liability insurance minimum, and then if you get a ticket.. your driver license fee's would increase, double or triple, but not your auto insurance. (because someone else may use your car) -------------------------------------------------- -------------------------------------------------- ------------------------ In Jersey they this thing called SURCHARGES, where if you get a ticket for a moving violation, you get additional fees... for example: 1. Go to court pay Ticket fine and court costs. 2. Insurance increases because your risk increases. 3. State sends you letter requiring you pay additional money (surcharge) for being a bay boy. If you do not pay this additional fee your driving rights will be revoked until paid in full. Nice huh?? Probably happens in other states as well by now. | ||
| Blake |
RatBuell, Yours was a perfectly valid, logical and accurate answer. Some self-absorbed types just cannot handle having revealed that they are not master of all knowledge and have actually been caught asking a really dumb question. Rock on. | ||
| Cityxslicker |
The policy follows the asset, not the operator. Now if you are driving say your sisters car, you do not need an individual policy to drive her car (as long as you have her permission to drive it and havent say stolen it) LLOYDS and Grundy are specialty limited lines exposure policies and will underwrite the state risk. so a celebrity could get coverage for them against a motor vehicle accident no matter what vehicle they are in; but the average joe; not a risk that they are going to underwrite, its just cost prohibitive for you to purchase and risk adverse for them to underwrite. (ie how often does Tom Cruise actually drive himself?... he is not doing the daily commute shuffle we all do, his risk is substantially less) A personal liability umbrella will cover you above an existing policy, they are not stan alone elements that you can plug into any variable; you have to have the specific appropriate line of coverage for the named asset. been years since cars.... but here is what I do. I have one truck, it is in 'storage' I drive it less than 2000 miles a year. I pay 150 a year for full comp, collision theft and liability.... My bikes are all individually insured, my Buell being my primary vehicle. I have to have my odo's inspected per the policy lines, but my premiums are low on the bikes too, as I rotate them out depending on the season. I do have an umbrella policy, and STC, LTC for medical (because the medical portions of your auto policy are worthless and you will pizz through them with an ambulance ride) Remember insurance is state specific for underwriting and restrictions, consult your local agent or broker for your locality. Grundy Insured my Classic before i let it go.  | ||
| Irideabuell |
I don't know if all insurance companies do this, but when I got divorced and I was no longer paying for the homeowner's insurance and the coverage on my ex-wife's car, State Farm decided I was not entitled to a multi-vehicle discount any more. I was told that insurance on a motorcycle didn't count as another vehicle. I've been with my agent since she opened her doors (sister of an old friend). I just switched to Geico for my car (saved $150 every 6 months) and it's looking like I will be for my bike too. | ||
| Nevrenuf |
should i have some of your problems. 2 cages and 6 out of 7 bikes insured. but that was of my own doing and the only way i can change that is to down size. on a good note though, my insurance went down by getting the 2010 mini opposed to the 2008 ubaru which by a lot of standards is supposed to be a pretty safe car. 4 bikes are with dairyland and the rest are with statefarm. i keep on checking with other insurers and no one else can beat statefarms rates for me. course i've been with them for decades which helps a good bit. | ||
| Firebolt32 |
Bikes are popular in Florida...you don't have to "have" insurance...lol That's a double edged sword though. I found out AFTER my accident that I was not an insured rider on the 9R. I was legally my dad's. KNOWING my father was not the daily driver and I was, the insurance company (dairyland) said nothing but took the money each month. If I hit that guy on Dec. 29th rather than him hitting me, I'd be up shit creek! Now, with not having motorcycle insurance my health insurance stepped up and took care of the bills. State Farm, my auto insurance, mediated the entire process. I was amazed with how smooth that process went. Eyes gots paid son.... Neil, be careful with Dairyland! They're a bunch of crooks and I made sure they were made aware of that. | ||
| Nevrenuf |
i know jesse, you do have me thinking, hence the two newer bikes back with statefarm. i guess i need to start asking that question myself | ||
| Toona |
I had Geico for my XB. When I bought my 1125R, I added the 1125 to the existing policy. Prior amount for the XB alone was around $400/yr. Added the 1125 and it went to $750/year. Got the multi discount etc. During the winter, Geico calls to review my policy and I decide to drop the XB as I was going to sell it in the spring and wouldn't be riding it with snow on the ground. My current insurance on the 1125R is $325/yr. Even though I lost the "multi" discount and have a faster/newer Buell, I'm $75/year cheaper. Unless they were purely basing price on engine size, I haven't been able to figure out the difference in price, not that I'm complaining | ||
| Nevrenuf |
statefarm goes by engine size. never told them that i had a big bore kit in the 01 ultra that we had. |
