my SBK insurance just went up 500%

[BK_856er]

Last year I was stoked to learn that I could get full coverage on my '04 749s for peanuts.

Fast-forward to policy renewal time and Geico jacked my rate up 500%.  No tickets, no claims, no changes.  I'm squeaky clean.

I called them up and apparently my bike was recently reclassified into a "sportier" category, hence the increase.

Is this typical?  A good chunk of my mod and track money just potentially evaporated!

I think it's time to shop around, so if anyone has a recommendation I'm all ears.

BK

[desmoquattro]

Last year I was stoked to learn that I could get full coverage on my '04 749s for peanuts.

Fast-forward to policy renewal time and Geico jacked my rate up 500%.  No tickets, no claims, no changes.  I'm squeaky clean.

I called them up and apparently my bike was recently reclassified into a "sportier" category, hence the increase.

Is this typical?  A good chunk of my mod and track money just potentially evaporated!

I think it's time to shop around, so if anyone has a recommendation I'm all ears.

BK

That sucks!

Call Daniel Sui Chan in San Francisco. He writes policies for several companies and gives very good advice.

[eltristo]

Just try every one that you consider reputable.  You will almost certainly find a better price.  Sorry for the hassle, and good luck.

[ghostrider]

Leave Geico, they are the most expensive and their customer service sucks 

[mostrobelle]

Although I'm sure that it's probably legal, it just ain't right. 

Kick those jerks to the curb.  After a lot of comparing of prices when I first started riding I ended up going with State Farm.  I've had to file a claim with them, too, and they were very good about the situtation--very timely and fair.  They didn't ask a lot of questions, signed the check and sent me on my merry way in a week or so after the accident.  They only charge by the CC's--at least that's what I was told.  They have my husband's bike accidentally listed as a 90 cc instead of a 900 cc so we save a little money there, too!     I even told my agent about it, and she just told me not to worry about it.  She said that it doesn't really matter anyway.   

[BK_856er]

I got a few more quotes and it turns out that the Geico rate is competitive for the same coverage.  Some quotes were lower for bike #1 vs. bike #2, but the total came out about the same.  I was never able to connect with Daniel and my calls were not returned.  I'll keep shopping around and give more consideration to what I actually need, but at this point it is what it is!

BK

[Labbedds]

I have a guy at State Farm who might be ablel to get you a better quote.  PM me for details.

[hypurone]

I went thru a broker and ended up with American Modern Ins by Carnegie. It is HALF of what Progressive was going to raise my rate to!

[oregunduc]

I have used a broker in the past and saved large amounts of cash that way currently i have country insurance which is strictly based off of displacement as far as i know.

[CharliesAngel]

Last year I was stoked to learn that I could get full coverage on my '04 749s for peanuts.

Fast-forward to policy renewal time and Geico jacked my rate up 500%.  No tickets, no claims, no changes.  I'm squeaky clean.

I called them up and apparently my bike was recently reclassified into a "sportier" category, hence the increase.

Is this typical?  A good chunk of my mod and track money just potentially evaporated!

I think it's time to shop around, so if anyone has a recommendation I'm all ears.

BK

Hey BK!  Great to hear from you although not really positive news re: the hike in insurance rate on your beautiful new bike... that is really terrible!  Thanks for posting this info up.  It is good to keep in mind... guess I should definitely ignore the temptation to get that Aprilia Mille that a friend has been bugging me about... 

[BK_856er]

Hey BK!  Great to hear from you although not really positive news re: the hike in insurance rate on your beautiful new bike... that is really terrible!  Thanks for posting this info up.  It is good to keep in mind... guess I should definitely ignore the temptation to get that Aprilia Mille that a friend has been bugging me about... 

Aprilia Mille...yummy.

Yeah, watch out for the "low introductory teaser rates" and "balloon policies" 

I took the 749s out on Sunday for a good romp in the hills...everything is back in perspective...it's totally worth it.

BK

[slower than...]

I would also suggest you get a quote from State Farm.  They base their rates strictly on displacement, not class of motorcycle.  So when I was considering switching from my old SV650 to a GSX-R 600, my rates would have gone down!  And your 749 will be less than my SportClassic S1000.  Guess it must really suck to insure a big Harley .     

[CharliesAngel]

I would also suggest you get a quote from State Farm.  They base their rates strictly on displacement, not class of motorcycle.  So when I was considering switching from my old SV650 to a GSX-R 600, my rates would have gone down!  And your 749 will be less than my SportClassic S1000.  Guess it must really suck to insure a big Harley .     

Hi, were you at Pt Reyes today on your bike?  A bunch of us were eating at the Pine Cone Diner having brunch/lunch...

[slower than...]

Hi, were you at Pt Reyes today on your bike?  A bunch of us were eating at the Pine Cone Diner having brunch/lunch...

I wish it was me, but I spent the weekend in crutches because of a painful flare up of my knee (still giving me trouble from a crash of a couple of years ago).