Any insurance guys from CA? (Update with policy info)

JM485
Profile picture for user JM485
Posts
5808
Joined
10/1/2013
Location
Davis, CA, USA
JM485
Edited Date/Time 7/29/2016 5:04pm
Just wondering if anyone from California is in the insurance business, I'm looking to get theft and fire + possibly collision insurance on my bike depending on cost. I've gotten quotes from some of the larger companies ranging from around $350 to $700 and I feel like that is way too high based on some of the prices I've read about on here. If anyone in the insurance world can help me out that would be great, or let me know if it's best to just go through a local agent even if it's more expensive. It just seems like there is a lot of stuff tagged on that I don't need, like personal liability coverage, and I'm hoping someone who understands moto bikes can work around that stuff. Thanks for any info.
|
Bruce372
Profile picture for user Bruce372
Posts
6329
Joined
4/1/2008
Location
USA
Bruce372 7/18/2016 9:35pm
7/18/2016 9:35pm
If you call Geico and tell them you heard of them through their race team and you want insurance for even just theft, don't tell them you race because they won't insure you
race250r
Profile picture for user race250r
Posts
232
Joined
4/19/2012
Location
Seattle, WA, USA
race250r 7/18/2016 9:53pm
7/18/2016 9:53pm
I ran into something similar here in WA. I had suspicion about the need for personal liability on top of theft and fire. Evidently it was state law. Either way, I pay about $115/year for a my '12 250XC and '13 YZ125, together FYI. This is through Progressive.
fast willy
Profile picture for user fast willy
Posts
162
Joined
1/5/2007
Location
Newark, DE, USA
fast willy 7/19/2016 3:54am
7/19/2016 3:54am
Progressive I have theft, collision, liability, for $180 year. Came in handy 6 yrs ago when bike was stolen. Plus with their policy you automatically get $3000 of add on parts paid out if you prove your receipts.

The Shop

See All »
Motoman79
Profile picture for user Motoman79
Posts
471
Joined
1/10/2014
Location
Phoenix, AZ, USA
Motoman79 7/19/2016 6:10am
7/19/2016 6:10am Edited Date/Time 7/19/2016 6:11am
I am not license in Ca (I am licensed in AZ ) do you own a home? You might be able to bundle. If not maybe add renters insurance. Good moto insurers are Geico, Nationwide and Progressive in my opinion.
TailSoHard
Profile picture for user TailSoHard
Posts
1656
Joined
10/18/2014
Location
Beer City, MI, USA
TailSoHard 7/19/2016 6:34am
7/19/2016 6:34am
I'm in Michigan, but I use Culver Insurance Services for some of my customer's bikes/atvs. They do only motorcycle/atv/utv/pwc insurance, so they tend to be better than everyone else when it comes to off-road toys. They're located in Lake Forest, CA. 1800-780-9395. They're worth a call for sure.

The best part is I don't have to explain to them the difference between a "motorcycle" and a "dirt bike" Grinning
3rdgearpinned
Profile picture for user 3rdgearpinned
Posts
528
Joined
7/8/2016
Location
In the Mountains, NC, USA
3rdgearpinned 7/19/2016 6:43am
7/19/2016 6:43am
I am licensed in NC but if you are a homeowner you may can bundle it up or also ask about an Inland Marine policy for your bike. It is a stand alone policy. Good Luck
Kryan5
Profile picture for user Kryan5
Posts
792
Joined
2/17/2011
Location
Etters, PA, USA
Kryan5 7/19/2016 6:44am
7/19/2016 6:44am
I'm through Progressive and only pay $75 a year with $250 deductable. Mine is basically for theft and fire, also includes up to $3000 in "accesories". I got the very minimum on liability because there is not much of chance of that for what I use it for. Also, make sure you opt out of uninsured, underinsured, and bodily injury(medical insurance covers that) if you are off road only.
Gilby122
Profile picture for user Gilby122
Posts
347
Joined
4/29/2014
Location
USA
Gilby122 7/19/2016 8:46am
7/19/2016 8:46am
Not licensed in CA, but we write a ton with Foremost. I have my new KTM 350sxf at $9k with $250 deductibles and its $107 a year...and gives me a discount on my auto policy of about $70 a year. Net cost is the $37.
mag23
Profile picture for user mag23
Posts
748
Joined
5/12/2010
Location
Lincoln, CA, USA
mag23 7/19/2016 9:04am
7/19/2016 9:04am
Eric Nye is awesome, I send any client I can to him. Google Rick Nye Insurance Agency, or send me a message and I'll send you his contact
95s10nj
Profile picture for user 95s10nj
Posts
45
Joined
3/10/2010
Location
USA
95s10nj 7/19/2016 9:10am
7/19/2016 9:10am
Kryan5 wrote:
I'm through Progressive and only pay $75 a year with $250 deductable. Mine is basically for theft and fire, also includes up to $3000 in "accesories"...
I'm through Progressive and only pay $75 a year with $250 deductable. Mine is basically for theft and fire, also includes up to $3000 in "accesories". I got the very minimum on liability because there is not much of chance of that for what I use it for. Also, make sure you opt out of uninsured, underinsured, and bodily injury(medical insurance covers that) if you are off road only.
I wish I could get insurance in NJ for that low. Lowest I've found is around $250 a year for a stand alone policy through a partnership with my auto insurance NJM with American Modern.
mx12boy
Profile picture for user mx12boy
Posts
150
Joined
12/2/2014
Location
Reno, NV, USA
Fantasy
558th
mx12boy 7/19/2016 4:00pm
7/19/2016 4:00pm
I have AAA insurance for my cars and they insured my bikes 11 YZ250 and a 15 KTM450 through Progressive for less than a $100 a year.
JM485
Profile picture for user JM485
Posts
5808
Joined
10/1/2013
Location
Davis, CA, USA
JM485 7/19/2016 5:32pm
7/19/2016 5:32pm Edited Date/Time 7/19/2016 5:33pm
Thanks a bunch guys, I'll give Eric a call tomorrow and see what he can do, and if that doesn't work out I will definitely check on the others suggested. This is exactly what I was looking for!

Edit: I should add that I'm only 21 so I don't have anything to bundle it with, thanks for the suggestions though.
JM485
Profile picture for user JM485
Posts
5808
Joined
10/1/2013
Location
Davis, CA, USA
JM485 7/29/2016 5:03pm
7/29/2016 5:03pm
Just a quick update. I gave Eric a call and we were able to work out a policy, he's a great guys to work with and I would highly recommend giving him business. Thank you to those who suggested him, this is exactly what I was looking for.

The policy is through foremost and will be about $260 per year for fire and theft protection. This was on par with most other quotes I have gotten, and the reason for the high price is my age apparently (21). Don't ask me why that matters for fire and theft, but I guess it does. It was great to work with someone who actually knew what a dirtbike was and what coverage was applicable to it, so a huge thanks to Eric for helping me out and getting everything done quickly.
crusher773
Profile picture for user crusher773
Posts
2019
Joined
12/23/2009
Location
Coweta, OK, USA
crusher773 7/29/2016 6:26pm
7/29/2016 6:26pm Edited Date/Time 7/29/2016 6:27pm
Most of the guys in the Foremost motorcycle office know enough about bikes to handle a claim too. I worked in that office for 6 years. Some have no idea like anywhere else but there are a few that really know their stuff and are motoheads like the rest of us. If I were you I would add collision too. That way if its destroyed in a car crash while hauling you have coverage there too.

Post a reply to: Any insurance guys from CA? (Update with policy info)