Lower Insurance rates for Ducati

MurDuc

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2003 M1000S

Re: Lower Insurance rates for Ducati

« Reply #15 on: June 11, 2008, 03:42:07 PM »

Switched today.
$311 for the year. Cheesy

Full Coverage/ $250 deductible/ 2003 M1000S/ 37/ Single/ Clean record/ Great credit/ 16 yrs Moto Exp./ Texas rural.

Only thing I waved was personal medical stuff. I have good medical at work.
Plus those coverages are ludicrously low payouts anyway. Especially for the amount they increase your policy. Roll Eyes

I wasn't carrying Full with Geico, but their quote today for the same coverage was over $600.

The coverage at Foremost also includes Towing, Roadside assistance and Trip interruption coverage.
*edit* They also include Safety Apparel coverage, and you can add Aftermarket/Optional Parts coverage.


« Last Edit: June 11, 2008, 03:54:00 PM by MurDuc »	Logged

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dlearl476

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Re: Lower Insurance rates for Ducati

« Reply #16 on: June 11, 2008, 05:22:08 PM »

I'm going to check it out. There was a Foremost booth set up at the Ducati compound in SLC last week and he told me about the reclassification. Currently I have my bikes with Bikeline, which is a BMW-MOA endorsed company. (Can't recommend them)

F650-$250/yr
Triumph ST-$248/yr.
'99 Monster-Nine hundred frickin-fifty a year. For a standard! I couldn't believe it.

I went ahead and renewed, with the thought that I'd a) look into adding them to the GF's car policy, b) getting a GEICO policy.

I think I'll get with Foremost first.


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somegirl

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Re: Lower Insurance rates for Ducati

« Reply #17 on: June 11, 2008, 05:24:48 PM »

I just added our project bike (1979 KZ400) to my insurance (Safeco), and to my surprise, it cost me -$11! That's right, I got money back. Grin

Turns out the multi-vehicle discount on the Duc more than made up for the insurance premium on the Kawi. waytogo

I should have insured when we first picked it up.


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FortyTwo

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Re: Lower Insurance rates for Ducati

« Reply #18 on: June 11, 2008, 07:30:11 PM »

Foremost was pretty pricey compared to my current coverage. Interesting to see that its cheaper for some folks...


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Randimus Maximus

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Re: Lower Insurance rates for Ducati

« Reply #19 on: June 11, 2008, 07:34:26 PM »

I wish you could get a quote online with them, instead of having to call them Angry


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Dietrich

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Re: Lower Insurance rates for Ducati

« Reply #20 on: June 11, 2008, 08:04:33 PM »

I actually did get a quote online...you just fill out the forms and they email you a quote. The only prob was I didn't know my current coverage, so after calling Geico to see if they showed a new classification for my bike (they didn't) I had them give me my coverage limits/deductible, and then called Foremost to do the deal. Biggest hassle with Foremost: faxing them my Intermediate Riders Course certificate for a little more discount.


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XJBaylor

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Re: Lower Insurance rates for Ducati

« Reply #21 on: June 11, 2008, 08:42:51 PM »

I switched from Progressive today. Same coverages (actually slightly better) and my rate dropped from $700/yr to $350/yr. Not half bad.


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Keith
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707soldier

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Re: Lower Insurance rates for Ducati

« Reply #22 on: June 11, 2008, 09:05:19 PM »

Quote from: AMY on May 28, 2008, 12:17:28 PM

well, i thought you guys might be interested

LINK

Thanks for the Link. waytogo


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Duc L'Smart

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Re: Lower Insurance rates for Ducati

« Reply #23 on: June 12, 2008, 11:39:38 AM »

I switched to Foremost from State Farm awhile back, &, with the same coverage, my rates dropped, plus Foremost offered more coverage for "extras".
The insurance on the Paul Smart did drop dramatically when I renewed, & it was nothing I changed.
Insuring the 1098, on the other hand... Tongue


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FireInTheHole

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Re: Lower Insurance rates for Ducati

« Reply #24 on: June 12, 2008, 12:01:03 PM »

So, what do you folks with a number of years under your riding belt recommend for coverage? Not the company but the actual coverage. I don't have much experience with insurance on motos.


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Monsterlover

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Re: Lower Insurance rates for Ducati

« Reply #25 on: June 12, 2008, 02:14:24 PM »

A high level of under/uninsured motorist coverage and FULL tort.

Don't limit your ability to sue. If you don't have it and need it you're screwed. Period.

Full tort doesn't cost much extra either.


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"The Vincent was like a bullet that went straight; the Ducati is like the magic bullet in Dallas that went sideways and hit JFK and the Governor of Texas at the same time."--HST **"A man who works with his hands is a laborer. A man who works with his hands and his brain is a craftsman. A man who works with his hands, brains, and heart is an artist." -Louis Nizer**

NAKID

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Re: Lower Insurance rates for Ducati

« Reply #26 on: June 12, 2008, 03:29:23 PM »

What's Full Tort?


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Monsterlover

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Re: Lower Insurance rates for Ducati

« Reply #27 on: June 13, 2008, 04:09:06 AM »

Limited Tort= your ability to sue is limited if someone blasts you

Full tort= your ability to sue is full throttle!

I was in a car accident about 15 years ago that resulted in hearing damage from the airbag going off. It was 100% the other driver's fault. I was unable to go after them because I had the limited tort option at the time.

If I'd had full tort I could have got some money out of it (actually a good sum of money) and, although that can't make up for hearing loss (I was 18 when this happened) it would have made life a little easier.

http://www.google.com/search?hl=en&q=full+tort&btnG=Google+Search


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DRKWNG

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Re: Lower Insurance rates for Ducati

« Reply #28 on: June 16, 2008, 12:44:31 PM »

Well crap! Just called them and they do not write policies in the Peoples Republik of Hawaii.


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gojira

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Re: Lower Insurance rates for Ducati

« Reply #29 on: June 16, 2008, 02:30:50 PM »

Quote from: Randimus Maximus on June 11, 2008, 07:34:26 PM

I wish you could get a quote online with them, instead of having to call them Angry

Annoyed likewise.

Shopper's tip: Providing a Social Security number is absolutely NOT required to get insurance in California, and they are not allowed to deny you coverage by witholding this info. By law. Yet Foremost kept insisting I give mine.

No, I'm not hiding behind bad credit. I refuse to give out my SSN.


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