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Xl1200r
| | Posted on Thursday, April 07, 2011 - 02:58 pm: | 
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Thats what I was going to look into, even if i had to go as far as giving her the car completely and doing the insurance in her name alone.
My family has had state farm for everything as far back as I can remember. When I turned driving age, the fact that my parents were already with State Farm meant that I was out of the 'risk pool' (until I proved them wrong, never happened). As soon as I got my own car I was on my own policy - my dad wouldn't have it any other way.
The fact that you have three cars is what's killing you - they see three cars and three drivers, one per driver. If you went down to two, the reduction would likely be more than just the extra you're paying for the third vehicle.
For the bikes, I have State Farm, but they haven't always been the cheapest. When I had my Sportster, Progressive was the cheapest by a wide margin. When I went Buell, they were the highest and State farm (which was the highest on the harley) became the lowest and I've been with them ever since. I also have a car and homeowners with them, the home owners and car get me the multiline discount.
It's true that they don't count bikes as a second vehcile for multi-line discounts, but at the same time I was led to believe that moving the car off of state farm (they're a little high on that one) would make the bikes go up. Last I checked it was a break-even affair so I just kept everything in one place.
BTW, my bikes are both right around $275-300/yr, full coverage, $500 deductible. I'm 28, I think I have one speeding ticket on my record still. |
Xl1200r
| | Posted on Thursday, April 07, 2011 - 03:02 pm: |
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Oh, and I work for an insurance company. They wanted me to see what their rate was like for me since I got an employee discount. They wouldn't give me a number at all for the bike(s), and wanted over $4,000/6 months to insure me with my 4 cylinder car.
I don't know who figures out the math on this stuff, but someone needs a new job. |
Fresnobuell
| | Posted on Thursday, April 07, 2011 - 03:11 pm: |
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FWIW, all the insurance companies I have dealt with put motorcycles on a stand alone policy, meaning they don't care how many properties or cars you insure through them.
I have never owned a boat or ATV. Are those all stand alone policies too? |
Fahren
| | Posted on Thursday, April 07, 2011 - 03:20 pm: |
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I was told by Dairyland that they would only insure 3 bikes max per policy, so when I had 4, I would have needed two policies. I told them I could only ride one at a time, but they weren't buying it.
They did, however, give me a quote for New York (E. Long Island) that was almost exactly what they gave me for rural (Eastern Shore) Maryland. I was shocked (and pleasantly surprised). For car insurance from MD to NY, not so much. Ouch. |
Teeps
| | Posted on Thursday, April 07, 2011 - 07:07 pm: |
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Cyclonedon Posted on Tuesday, April 05, 2011
All insurance companies are crooks, some are just worse than others.
You can always self insure. |
P47b
| | Posted on Friday, April 08, 2011 - 12:28 pm: |
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It is not the amount of cars that are killing me. Progressive puts the highest risk driver with the highest price vehicle. That would be my 05 F150. Even though I only have one key for my truck and the key never leaves me, they will not take him off that insurance policy.
Unless there is a loophole, I am missing.
If I had known, I would have not put him on at all. He drives an 83 Turdcel. Liability for me on this car is $80 a year. For him they are saying $700 every 6 months I am finding out that the state of Kansas has some screwy laws for people under 30 for insurance. Insurance Companies can and will jack the prices up to get you to leave.
Right now, they are putting me in the poor house. |
P47b
| | Posted on Friday, April 08, 2011 - 03:38 pm: |
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As a side note people Progressive & Geico have been great. Low prices is what got me to them and they both have been great on the accident repair for my family. Just getting raped right now.
I left State Farm when my insurance agent retired. Prices were a little more than what I wanted to pay. But he did everything he could for us when he was there. |
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