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Old 10-21-2016, 10:24 PM   #31
EarlyApex
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^my fz09 cost me less than what you paid to insure your drz. 250comp/500 collision. the carrier is the biggest premium factor imo
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Old 10-21-2016, 10:46 PM   #32
SimbaDC650
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AAA southern cali, 1st year 1000 for the year, now 600 a year. I tried progressive, gieco, and freeway they all wanted over 2grand for the year. No accidents, no tickets, nothing ever period and its redonkulous. 2nd year riding.
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Old 10-22-2016, 02:19 PM   #33
Asudef
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Join Date: Nov 2015
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Motorcycles: '89 FZR 400
Name: PC
My bike is pretty old so I'm not sure if rates are comparable to modern sport bikes.

I'm not even sure what coverage to get as there are so many options but based on my quotes so far, Progressive has the highest coverage even though its closer to 1k.

Geico seems really aggressive, I've gotten constant emails and phone calls twice yesterday trying to get me to sign. That may be why they're most popular?

State Farm is cheapest though at half the price of Geico and roughly twice the coverage but I'm sure it doesn't break down as easily as that.

I'm definitely not seeing comprehensive though, maybe because I only have one year on my license they don't want to take the risk.
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Old 11-04-2016, 08:48 AM   #34
BigBalli
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progressive for the price.
used it last year after someone cut me off and was good experience.
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Old 11-13-2016, 11:53 AM   #35
magyarbetyar
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Allstate for the bikes and 21st Century for cars. Cheapest I could find. Might have to shop around just to make sure.
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Old 11-13-2016, 05:14 PM   #36
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i went with the lizards insurance.

cause it was cheapest.
just the bare basic to be legal on the street,
i crash i lose. you hit me i sue you.
i have full med so covered.

.
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Old 11-13-2016, 06:22 PM   #37
Tim-That CX Guy
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Progressive, through AFBA, because holy shit it was cheap, and they allowed agreed value on my CX's
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Old 11-20-2016, 07:45 AM   #38
NavyChief
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Originally Posted by SuperDooperPoop View Post
This only works if you have been riding for more that 3 years in california, otherwise they won't insure you. I was with them on my car, but had to change because they wouldn't insure me.

Started out with progressive, but had shit coverage since i had to pay the full year upfront. I got better coverage and a way better price through Geico, though it may have something to do with the DUI on my record from 7 years ago...
Weird, I have USAA on my bike and I have only been in CA for 18 months. Maybe it's being a rider for longer than 3 years? It is the least expensive for me at 350/yr but it's a cruiser and I'm old.
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Old 12-18-2016, 03:01 PM   #39
Schnellbandit
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Location: Alt-California
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Geico.

While the price was good the response and service I get makes it easy to pick them. I had an RV and while in for service out of town, the shop there turned on the electricty to the reefer, 4 dead very expensive high capacity AGM batteires. I couldn't prove they did it and of course they denied it. Called Geico and they covered it, waived deductible. Wow.

Texting and intoxicated (booze and prescription pills I discovered) uninsured driver ran over my parked bike. Response on site an hour after my call, check in my hands 10 min later. Happy me other than having to fight the desire to do unmentionable things to that driver.

$250 a year, full coverage incl comp on two bikes and liability on a third squirter. No one could match them. Got the "seasoned" rider discount although not a cane shifter yet.

Last edited by Schnellbandit; 12-18-2016 at 03:07 PM..
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Old 06-26-2018, 10:04 PM   #40
ejv
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An old dead thread but thought I would share my experience. I have been with USAA since 2004. i already had my SV650 insured with them when I moved back to CA. When I bought my Tuono and called to add it to the policy and drop the SV they told me I was lucky that I was now in CA. There is a law in CA that makes them offer motorcycle insurance if they want to do business here. Apparently they have dropped it in most states. They explained that they get the policies through a 3P (it's through Geico I believe). Anyway for 250/500 comp/collision and full coverage all around I pay $408 a year to cover my 2016 TV4F. My two cars are also insured through them so I am sure that keeps the price down a bit. And my Tuono is just a weekend rider. I have a work vehicle so between my T and my car I only drive about 6000 miles a year.

Other quotes I got were as high as $2,600 a year. USAA mostly rates the bike based on its engine size. I got quotes for the 1290 SDR, R1200GS, and Mutlistrada 1200 and they were all more expensive. Got quotes on the R1, RSV4, S1000R, and S1000RR and they were all cheaper.

No claims for motorcycles or tickets or anything while on a bike. I had a few movers in my old truck in 2004/2005 time frame but those are long gone.
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Old 06-28-2018, 11:41 AM   #41
Roadstergal
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Quote:
Originally Posted by EarlyApex View Post
USAA. Because they are significantly cheaper than anyone else.
And far better service. We have our motorcycle, auto, and home insurance all through them.
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Old 06-28-2018, 04:01 PM   #42
ctwo
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does usaa require military service or such? I have aaa for everything and they stopped serving mc policies years ago and I do not like their affiliate.
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Old 06-28-2018, 05:42 PM   #43
MarktheShark
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Join Date: Jun 2016
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Motorcycles: 2004 Ex250, 2001 GSF1200s Suzuki Bandit Current: 2001 Sv650s
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Originally Posted by Maddevill View Post
Geico. Was way cheaper than my old Progressive account.
ditto
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Old 06-29-2018, 10:19 PM   #44
ejv
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Originally Posted by ctwo View Post
does usaa require military service or such? I have aaa for everything and they stopped serving mc policies years ago and I do not like their affiliate.
Pretty much. My ex has it because she kept an open account when we split. Then she remarried and is now divorced again. Presumably her second ex could also have USAA though he was never in the military and has never met me. It used to only be open to officers but that changed sometime in the mid 2000's. It has gotten a lot bigger since that time.
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Old 06-29-2018, 10:57 PM   #45
Rumbo Sur
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Worked on a film crew doing an industrial on USAA, down in Texas, biggest building in the country or something. Just crazy big.
We interviewed the old CEO. I think after he passed a new gen took over and they really came back from the dark ages ... and have broadened their out reach.

IIRC, now anyone who is either current or former military or anyone who has a direct blood relative who is or was military, qualify.

My Dad was Navy ... they said I was good to go. But my quote was not good back then, so I kept shopping around.

Good news is insurance in CA is very competitive and constantly changes. Best to check around periodically.

I won't use Progressive because Flo wants to install trackers on cars & bikes ... For your Safety!
Unless the recent adverse reaction to that proposal had them change it up?
Dunno.

Last edited by Rumbo Sur; 06-29-2018 at 10:59 PM..
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