Dirt Bike Insurance

Brett Campbell 8/13/2020 4:46am
8/13/2020 4:46am
Brett Campbell wrote:
I contacted Progressive about covering 3 of my bikes. Although the price was really good, he said that if I had a claim such as total...
I contacted Progressive about covering 3 of my bikes. Although the price was really good, he said that if I had a claim such as total loss from theft or fire, the insurance company will determine the value at the time of loss. How can I be sure that I can get a fair value without a declared value policy, which they don't offer?
crusher773 wrote:
That's how insurance works. You won't get a stayed value unless it's something like a classic car.
Yes you can. I spoke with someone at Markel and he said that I can get declared value, but I need to have the bikes appraised.
f052zy8002
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f052zy8002 8/13/2020 6:44am
8/13/2020 6:44am
JMR1976 wrote:
Anyone cover MTB’s?
Mine are covered under my homeowners umbrella policy.
Brett Campbell 8/13/2020 7:17am
8/13/2020 7:17am
JMR1976 wrote:
Anyone cover MTB’s?
f052zy8002 wrote:
Mine are covered under my homeowners umbrella policy.
You got lucky!
charlie68
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charlie68 8/13/2020 10:00am
8/13/2020 10:00am
I have State Farm ( Never talked to Jake tho.....) my plated KTM is $70.50 a year, the highest limits available for a motorcycle in the Constipation state ( 50/100/50 ), road use, collision, comprehensive 12 month policy.

The Shop

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Gator724
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Gator724 9/14/2023 1:18pm
9/14/2023 1:18pm Edited Date/Time 9/14/2023 1:27pm

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

mxb2
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mxb2 9/14/2023 1:38pm
9/14/2023 1:38pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

All prices. Vary, stock, added parts type of coverage, zip code etc. Not all prices are the same 

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Gator724 9/14/2023 1:41pm
9/14/2023 1:41pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

mxb2 wrote:

All prices. Vary, stock, added parts type of coverage, zip code etc. Not all prices are the same 

Right. But it shouldn’t be 200 mo? My parents insured my new ktm 250 when I was a kid for like 15/mo 

Gator724
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Gator724 9/14/2023 1:46pm
9/14/2023 1:46pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

mxb2 wrote:

All prices. Vary, stock, added parts type of coverage, zip code etc. Not all prices are the same 

Gator724 wrote:

Right. But it shouldn’t be 200 mo? My parents insured my new ktm 250 when I was a kid for like 15/mo 

Hell my truck is only $120/mo lol 

mxb2
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mxb2 9/14/2023 1:48pm
9/14/2023 1:48pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

mxb2 wrote:

All prices. Vary, stock, added parts type of coverage, zip code etc. Not all prices are the same 

Gator724 wrote:

Right. But it shouldn’t be 200 mo? My parents insured my new ktm 250 when I was a kid for like 15/mo 

Call around.  

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NicNak 9/14/2023 2:01pm
9/14/2023 2:01pm Edited Date/Time 9/14/2023 2:02pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

I have 3 bikes covered under progressive for $45 a month. 

 

DO NOT tell them you race the dirt bike, if they ask just say it's for private use, use it to ride around a field or farm. 

Maybe they think it is a street bike?

mxb2
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mxb2 9/14/2023 2:05pm
9/14/2023 2:05pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

NicNak wrote:
I have 3 bikes covered under progressive for $45 a month.    DO NOT tell them you race the dirt bike, if they ask just say...

I have 3 bikes covered under progressive for $45 a month. 

 

DO NOT tell them you race the dirt bike, if they ask just say it's for private use, use it to ride around a field or farm. 

Maybe they think it is a street bike?

Yea ,def tell them not street legal,and just used to ride around.  Some places dont even know the difference in bikes and will give. You the high end quote . 

Gator724
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Gator724 9/14/2023 2:06pm
9/14/2023 2:06pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

NicNak wrote:
I have 3 bikes covered under progressive for $45 a month.    DO NOT tell them you race the dirt bike, if they ask just say...

I have 3 bikes covered under progressive for $45 a month. 

 

DO NOT tell them you race the dirt bike, if they ask just say it's for private use, use it to ride around a field or farm. 

Maybe they think it is a street bike?

Maybe..  not sure I gave them the vin. I’m going to call again tomorrow. 

wwdiii
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wwdiii 9/14/2023 2:10pm
9/14/2023 2:10pm

I’ve got progressive but mine was way more than some stated above.  I guess they saw me coming.  I also have full replacement value or something like that.  

GoggleFiend904 9/14/2023 2:12pm
9/14/2023 2:12pm

I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member discount. After they give you the details, tell them you are going to shop around a little, and they will lower the price. They told me $45 a month at first 

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Gator724 9/14/2023 2:26pm
9/14/2023 2:26pm
GoggleFiend904 wrote:
I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member...

I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member discount. After they give you the details, tell them you are going to shop around a little, and they will lower the price. They told me $45 a month at first 

So how much monthly?

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Gator724 9/14/2023 2:26pm
9/14/2023 2:26pm
GoggleFiend904 wrote:
I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member...

I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member discount. After they give you the details, tell them you are going to shop around a little, and they will lower the price. They told me $45 a month at first 

Gator724 wrote:

So how much monthly?

They’re saying I need liability etc bc I live in sc??

GoggleFiend904 9/14/2023 2:29pm
9/14/2023 2:29pm
GoggleFiend904 wrote:
I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member...

I recently insured a bike through liberty mutual. Theft protection from anywhere, liability, 3k in aftermarket parts for around $20 a month with the ama member discount. After they give you the details, tell them you are going to shop around a little, and they will lower the price. They told me $45 a month at first 

Gator724 wrote:

So how much monthly?

Gator724 wrote:

They’re saying I need liability etc bc I live in sc??

I pay $21 a month total

Gator724
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Gator724 9/14/2023 3:12pm
9/14/2023 3:12pm
Gator724 wrote:

So how much monthly?

Gator724 wrote:

They’re saying I need liability etc bc I live in sc??

GoggleFiend904 wrote:

I pay $21 a month total

Did they make you get liability and all that 

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GoggleFiend904 9/14/2023 3:16pm
9/14/2023 3:16pm
Gator724 wrote:

They’re saying I need liability etc bc I live in sc??

GoggleFiend904 wrote:

I pay $21 a month total

Gator724 wrote:

Did they make you get liability and all that 

They didn’t make me. The plan covers theft anywhere, liability, and 3k in parts for $21 a month 

Gator724
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Gator724 9/14/2023 3:34pm
9/14/2023 3:34pm
GoggleFiend904 wrote:

I pay $21 a month total

Gator724 wrote:

Did they make you get liability and all that 

GoggleFiend904 wrote:

They didn’t make me. The plan covers theft anywhere, liability, and 3k in parts for $21 a month 

Well I’ll be calling them tomorrow 

crusher773
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crusher773 9/14/2023 5:09pm
9/14/2023 5:09pm
Gator724 wrote:
What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a...

What type of coverage am I asking for? I called progressive which is who my truck is insured through and they told me $250/mo for a 23 crf450r.. that’s insane. Sorry to bring back an old thread 

That's way high somebody didn't quote something right.

Meister
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Meister 9/14/2023 6:23pm
9/14/2023 6:23pm

In todays world, its not if, its when.

28 years ive had bikes. Im thankful i had my last two insured. Allstate so far on my stolen 23 yz is being very fair. Tomorrow I get the verdict on my 21 works edition. 

I think im around 22 a month per bike if i remember correctly. 

Gator724
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Gator724 9/14/2023 7:06pm
9/14/2023 7:06pm
Meister wrote:
In todays world, its not if, its when. 28 years ive had bikes. Im thankful i had my last two insured. Allstate so far on my...

In todays world, its not if, its when.

28 years ive had bikes. Im thankful i had my last two insured. Allstate so far on my stolen 23 yz is being very fair. Tomorrow I get the verdict on my 21 works edition. 

I think im around 22 a month per bike if i remember correctly. 

What did you tell them you needed? 

wwdiii
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wwdiii 9/14/2023 7:15pm
9/14/2023 7:15pm

I got my bill from progressive the other day.   Seems like it was 310 a year for 2 of my scooters.  That’s about 25 a month give or take.  Just thought about it, I have two that’s not insured.  I might want to call my insurance gal and add them.  

Gator724
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Gator724 9/14/2023 7:43pm
9/14/2023 7:43pm
wwdiii wrote:
I got my bill from progressive the other day.   Seems like it was 310 a year for 2 of my scooters.  That’s about 25 a...

I got my bill from progressive the other day.   Seems like it was 310 a year for 2 of my scooters.  That’s about 25 a month give or take.  Just thought about it, I have two that’s not insured.  I might want to call my insurance gal and add them.  

That’s not bad at all. Not sure why they quoted me so damn high 

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kNewc 9/15/2023 7:26am
9/15/2023 7:26am
Meister wrote:
In todays world, its not if, its when. 28 years ive had bikes. Im thankful i had my last two insured. Allstate so far on my...

In todays world, its not if, its when.

28 years ive had bikes. Im thankful i had my last two insured. Allstate so far on my stolen 23 yz is being very fair. Tomorrow I get the verdict on my 21 works edition. 

I think im around 22 a month per bike if i remember correctly. 

Gator724 wrote:

What did you tell them you needed? 

I have Progressive and I only got "Comprehensive" coverage which is $75 a year. Covers theft, fire, etc.. and pays "cash value". 

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hititpind
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hititpind 9/15/2023 7:38am
9/15/2023 7:38am

$195 a year. Full coverage on my bike and 3k in aftermarket. 2022 kx450SR 

Jardo
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Jardo 9/15/2023 7:57am
9/15/2023 7:57am

I went with progressive shortly after I posed the question to you guys. I pay $85 per year.
 

And they seem to drop every time I renew with no claims.
 

Full transparency, I haven’t had a claim yet so I have no idea how good the insurance is.

Heavyhitter
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Heavyhitter 9/15/2023 2:37pm
9/15/2023 2:37pm
downard254 wrote:
My stuff is pretty securely locked up, but it’s insured by .223, .308, and 9mm. If you’re not invited onto my property, it would be wise...
My stuff is pretty securely locked up, but it’s insured by .223, .308, and 9mm. If you’re not invited onto my property, it would be wise to steer clear. I always assume my life is in danger when others trespass.

Do you have them booby trapped for when you are not home? 

Not to worried about it when I'm at the house, big issue is when were gone to Vegas or something lol

tmauto769 9/22/2023 3:37am
9/22/2023 3:37am
captmoto wrote:
I use State Farm. Progressive and GEICO wouldn't insure based on the VIN. It shows as closed course competition. All their bullshit advertising during SX and...
I use State Farm. Progressive and GEICO wouldn't insure based on the VIN. It shows as closed course competition. All their bullshit advertising during SX and MX added up to nothing.

I have a 22 yz450 and a 23 crf450 insured with progressive, so I don't know what you are talking about. $200 a year for both.

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