Need insurance

[MDO]

I understand where you are coming from, yes it is old, but it looks like it is brand new, most people can't believe how old it is, I take care of my vehicles as most people do, my dealer has been trying to get me to trade up to a new one for many years and I say no. It is a step side/sport side which ever you want to call it and it was the last year they made them in 2005. This is my 3rd step side and will be my last, very low miles and very good gas mileage, if fits for what I use it for. And with full coverage I have I don't have to worry about a wreck and coming out of pocket expenses to fix this truck, which I hope never happens, never have had a wreck with a vehicle, motorcycle is a different story, had 2 of them.

All for now Trampas

The condition it's in & how you take care of it means nothing to the insurance company. Like paws said, when its that old, in an accident, they will total it and look in a book & not give you anything much.

I understand loving an older vehicle, I have a 2004 vehicle I bought new & love it.

They do not care about our love of a vehicle & a good insurance agent would tell you that it's not cost effective.

 

[LadyonaMission]

My house, car and trike insurance went up dramatically last year. Of course, I called around to get competitive quotes, which were all even higher. The reason, my zip code.

There have been so many homes and vehicles broken into, uninsured/underinsured auto accidents, automobile thefts, etc. that I am high risk. Due to my proximity to IH35, Loop 410 and a big homless encampment in the green belt behind my subdivision I am being penalized. My subdivision can only be accessed from Loop 410, so things are pretty tame which cannot be said for the Section 8 apartments which are on the other side of the City Public Service easement, across a dry creek and one street behind my privacy fence.

 

[MDO]

My house, car and trike insurance went up dramatically last year. Of course, I called around to get competitive quotes, which were all even higher. The reason, my zip code.

There have been so many homes and vehicles broken into, uninsured/underinsured auto accidents, automobile thefts, etc. that I am high risk. Due to my proximity to IH35, Loop 410 and a big homless encampment in the green belt behind my subdivision I am being penalized. My subdivision can only be accessed from Loop 410, so things are pretty tame which cannot be said for the Section 8 apartments which are on the other side of the City Public Service easement, across a dry creek and one street behind my privacy fence.

I feel your pain. Also, we are all paying for the national disasters on the east coast, flooding in your state & now in the midwest. The big insurance companies will not loose money, they just raise our rates.

 

[LadyonaMission]

I understand where you are coming from, yes it is old, but it looks like it is brand new, most people can't believe how old it is, I take care of my vehicles as most people do, my dealer has been trying to get me to trade up to a new one for many years and I say no. It is a step side/sport side which ever you want to call it and it was the last year they made them in 2005. This is my 3rd step side and will be my last, very low miles and very good gas mileage, if fits for what I use it for. And with full coverage I have I don't have to worry about a wreck and coming out of pocket expenses to fix this truck, which I hope never happens, never have had a wreck with a vehicle, motorcycle is a different story, had 2 of them.

All for now Trampas

Many years ago, I bought a used Volvo P1800 from an individual. I drove it a couple of years, decided when my insurance renewal came up that I would only carry liability. A few months prior to renewal a van ran into me and totaled my car. I got a check for double what I paid for it so I called the insurance company. They said it was correct, the car was manufactured only from 1961 to 1973 so it had become a collectable. I had no idea because we didn't have Google back then.

I really liked that little car. I parked it on a slope, let it roll, popped the clutch and made it to work and back home while waiting for payday to buy a battery.

 

[Cagmo]

I have had Dairyland through HD Insurance for years, but have never had a claim. I do not patronize Anti-American Progressive. JMHO.

 

[prariepilot]

Rider Insurance

MDO said in a previous post "Also, we are all paying for the national disasters on the east coast, flooding in your state & now in the midwest. The big insurance companies will not loose money, they just raise our rates."

I have had Rider Insurance since 2004. Rate for my Dyna was reasonable; same for my Heritage and Road Glide Ultra. When I transitioned to the TG, the rate actually went down. One of the main reasons rates are reasonably low is that Rider ONLY insures motorcycles. No cars, trucks, motorhomes, stationary homes or other typically insureable items. ONLY motorcycles. And to further lower their risk, thus payouts, they limit the states they insure in. Rider insures only in New Jersey, Delaware, Indiana, Maryland, Michigan, Ohio, Pennsylvania and Virginia. They are adding other states as their research shows the risk is worth the reward.

Other than being a policyholder for the last fifteen years, I have no vested interest in Rider. Check them out: www.rider.com

prariepilot

 

[MDO]

MDO said in a previous post "Also, we are all paying for the national disasters on the east coast, flooding in your state & now in the midwest. The big insurance companies will not loose money, they just raise our rates."

I have had Rider Insurance since 2004. Rate for my Dyna was reasonable; same for my Heritage and Road Glide Ultra. When I transitioned to the TG, the rate actually went down. One of the main reasons rates are reasonably low is that Rider ONLY insures motorcycles. No cars, trucks, motorhomes, stationary homes or other typically insureable items. ONLY motorcycles. And to further lower their risk, thus payouts, they limit the states they insure in. Rider insures only in New Jersey, Delaware, Indiana, Maryland, Michigan, Ohio, Pennsylvania and Virginia. They are adding other states as their research shows the risk is worth the reward.

Other than being a policyholder for the last fifteen years, I have no vested interest in Rider. Check them out: www.rider.com

prariepilot

That's why I went with Markel, they only do motorcycles/trikes/4-wheelers. After checking 6 companies, they gave me the best insurance at the lowest price. I'm not in a state for Rider.

 

[MDO]

I have had Dairyland through HD Insurance for years, but have never had a claim. I do not patronize Anti-American Progressive. JMHO.

HD insurance plans are now underwritten and administered by The Sentry Group, I believe.​

 

[cward59]

Several years ago I have Geico. The worse insurance company out there in my book. I live in tornado Allay out west and we had a storm and had savior damage to my brand new pickup. The new next day after I submitted the claim I was called from them and told me I was a high risk and they had to cancel me.

I now have state farm and i'm very happy with them. Nobody I have called can even come close to what there prices are . I have 4 vehicle, a trike and my home with them. never have I had a problem with claims. I have been with them for several years. will stay with them until death do us part.

 

[Tomswede]

Great insurance rate

I'm currently with Harley Davidson insurance, so now when it's due for renewal I read from one of the Trike Talk members about " Markel insurance" so I run a quote from them and saved over $100 a year, for full coverage, Harley wanted $474 , Markel offered me the same coverage for $304, plus very nice people to talk with

Ok, I'm wondering if anybody has their home owners, auto insurance and motorcycle insurance through the same company and what company is that. Looks like I'm buying a house and need homeowners insurance, have the auto and the trike through nationwide insurance, have been with this company since I was 16 and it was Aid insurance at the time and has changed names many times and now Nationwide. Had my agent shoot me a price for homeowners insurance since I have the auto and trike with them, boy was it high, bad thing it only covered around $12,500 for the 24 x 28 garage and 10 x 10 shed, had her figured a higher amount and we are looking at over $925 for homeowners insurance for the year, I pay around $700 a year for the trike and around $1,000 for my 2005 truck with full coverage, got to say these are in the high mode. I'm supposed to get a discount for all 3 but I'm not seeing it and really didn't see it with the auto and trike either.

So if anyone has a insurance company that is good and have all 3 with them, would like to know, my insurance agent did give me quotes on another company that she carries, but still think it is to high IMHO. Never had any wrecks or speeding tickets so not sure why I'm so high on auto and the trike is another story I guess, have heard of other people that have a cheaper insurance than I do, I plan on checking other company's out but if you have one that is good and not expensive that you have to take a loan out for it LOL

All for now Trampas

 

[Trampas]

Ok after viewing all of the companies I contacted or went to, I went with IMT, $1,686 total for house, auto, and trike, trike is $351 a year for full coverage, better than the 700 I was paying with Nationwide

All for now Trampas

 

[ShapeShifter]

Good for you!!

That's a significant savings.:clapping: Nice to be able to keep that money in the kitty.