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General => General Discussion => Topic started by: Stig / Major Tom on April 21, 2018, 08:54:40 PM

Title: Stig finally shops insurance
Post by: Stig / Major Tom on April 21, 2018, 08:54:40 PM
For a couple of decades have used an old schoolmate of my wife's as our insurance agent. Plus he lives just around the corner - so we received good & personal attention with our enquiries.
But he retired recently.
Rec'd my new bill for a year's coverage on my 5 yr old LIKE200i.

I went online with Progressive to check rates - and bought better coverage at a price 60% lower than my previous premium.
I have Progressive on my truck (after using their plug-in thing) and on the Piaggio. Adding the Kymco also lowered the Piaggio premium.

Been meaning to recheck ins. rates for years......

Stig
Title: Re: Stig finally shops insurance
Post by: PaulF on April 22, 2018, 05:31:27 AM
Great thing about a scooter, insurance cost is so much cheaper than a car.
Title: Re: Stig finally shops insurance
Post by: blue on April 22, 2018, 06:28:03 PM
I run my insurence off my wifes car insurence a lot cheaper yhat way.I just worry about towing so I can get back home with scoot.
Title: Re: Stig finally shops insurance
Post by: Stig / Major Tom on April 22, 2018, 08:37:39 PM
I run my insurence off my wifes car insurence a lot cheaper yhat way.I just worry about towing so I can get back home with scoot.
My wife bought me AAA, after my $250 five mile tow when I ran over some metal and flattened my Forza tire a few years ago.
Plus, I got road-side assistance with the insurance.
Stig
Title: Re: Stig finally shops insurance
Post by: christianblessing on April 23, 2018, 04:58:03 AM
I've insured my Kymcos and Vespas for years with Progressive. Cheap and easy.

Sent from my Mi A1 using Tapatalk

Title: Re: Stig finally shops insurance
Post by: Fogie on April 23, 2018, 09:24:21 AM
Great thing about a scooter, insurance cost is so much cheaper than a car.

You're obviously not in Canada; in some cases, scooters cost more!

Title: Re: Stig finally shops insurance
Post by: LidoCA on April 23, 2018, 02:37:42 PM
 I am always jealous of those that get low cost insurance. Here, in the land of the hit and run, insurance costs get ridiculous. I was surprised at the cost of insurance for the scooters. I ended up changing insurance companies and got all of my vehicles under the same policy through AAA. That saved me about $800.00 per year. Progressive did lower the scooter policy for the renewal before I dropped them, but it was still high. (to me)
Title: Re: Stig finally shops insurance
Post by: Stig / Major Tom on April 23, 2018, 04:39:35 PM
I am always jealous of those that get low cost insurance. Here, in the land of the hit and run, insurance costs get ridiculous. I was surprised at the cost of insurance for the scooters. I ended up changing insurance companies and got all of my vehicles under the same policy through AAA. That saved me about $800.00 per year. Progressive did lower the scooter policy for the renewal before I dropped them, but it was still high. (to me)
As with most things - if you're willing to shop around, there's almost always a better ptice out there.
Or, better yet - tell them you're  cancelling and moving to another provider. Amazingly - they'll discover a whole new price for you!!
Stig
Title: Re: Stig finally shops insurance
Post by: TroutBum on April 23, 2018, 11:14:12 PM
AAA has road side assistance for your PTW, but you have to buy the RV roadside assistance plan, but you get tons of perks. For my wife and I it cost $197 annually for the plan. My HOG membership also includes roadside assistance, but way more limited vs the AAA plan.
Title: Re: Stig finally shops insurance
Post by: LidoCA on April 24, 2018, 02:05:31 AM
 I have the RV coverage as well with AAA. It helped when i dropped the scooter. They towed it home while i went the other direction in the meat wagon.
Title: Re: Stig finally shops insurance
Post by: Stig / Major Tom on April 24, 2018, 10:29:23 AM
I have the RV coverage as well with AAA. It helped when i dropped the scooter. They towed it home while i went the other direction in the meat wagon.
Ouch!
Title: Re: Stig finally shops insurance
Post by: LidoCA on April 24, 2018, 06:11:53 PM
That was last October.
Title: Re: Stig finally shops insurance
Post by: PaulF on April 24, 2018, 08:30:48 PM
You're obviously not in Canada; in some cases, scooters cost more!

No, Australia.  Surprising to hear that, are they expensive Maxi scooters that they charge more for?
Title: Re: Stig finally shops insurance
Post by: CROSSBOLT on April 25, 2018, 06:10:55 PM
I am surprised that Flo (Progressive) gave you such a reduction. She is a Standard plan company where Allstate and State Farm are Mutual companies offering rates lower than Standard especially if you bundle the house, cars scoots and boats.
Title: Re: Stig finally shops insurance
Post by: hypophthalmus on April 26, 2018, 05:59:50 PM
I've always gone the basic liability option. This last time I didn't even shop around -- Progressive wanted $75 for the year I think, and that sounded about right.

For car insurance, I ended up switching recently when I moved. Liability insurance went from about $80/month to $40. This taught me it's worth checking every so often.
Title: Re: Stig finally shops insurance
Post by: big blue on April 26, 2018, 06:53:42 PM
Here in Oregon I am insured with Geico for both car and scooter so I get a bundle discount for both. My scooter policy is under a separate  underwriter for $112/year and includes full coverage and roadside assistance and towing with no deductible for towing.