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post #1 of 26 (permalink) Old 06-25-2012, 11:42 AM Thread Starter
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Insurance Advice?

I live near Chicago (in Dupage county), and I need to get some new insurance on my vehicles since moving from Michigan, but I need advice.

I have no points or accidents, and I am 24 so one year short of better rates, but the best quote I got so far was this:

State Farm:
08 Audi A4 --- $136/month (Full Cov)(currently on Geico for $96/month)
97 Ram 3500 - $28/month (PL/PD)
03 600rr ----- $28/month (Comp)(if I insure the other two with it)

Where are you guys going to bundle your vehicles?
And idk if I can get discounts for having a Bachelors and being an engineer?

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post #2 of 26 (permalink) Old 06-25-2012, 02:14 PM
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Might want to check progressive out. I found it cheaper to have just my motorcycle with them than on the rest of my insurance.

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post #3 of 26 (permalink) Old 06-25-2012, 02:23 PM
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I have "State Farm"

For my 06 CBR Full coverage its $11.97 per month..

I've never had a ticket or accident .
Age 21
married
Good Student discount (currently finishing my Master Degree)

If your a student look into a good student discount. (Assuming your a good student)

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post #4 of 26 (permalink) Old 06-25-2012, 02:38 PM
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[QUOTE=BLAKKoctober;3535303]I have "State Farm"

For my 06 CBR Full coverage its $11.97 per month..

I've never had a ticket or accident .
Age 21
married
Good Student discount (currently finishing my Master Degree)


What? 12 buck per month for full coverage? I'm 27, no tickets/accidents and got quoted $120 something a month for FC or $100 yr for liability. Do you have home owners and multi-car policy?
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post #5 of 26 (permalink) Old 06-25-2012, 02:55 PM
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I should have noted I'm under my fathers policy which has 5 vehicles and 3 homes.. (until I finish my Masters Degree)

Sorry to with hold that information..


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post #6 of 26 (permalink) Old 06-25-2012, 02:59 PM Thread Starter
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Quote:
Originally Posted by BLAKKoctober View Post
I have "State Farm"

For my 06 CBR Full coverage its $11.97 per month..

I've never had a ticket or accident .
Age 21
married
Good Student discount (currently finishing my Master Degree)

If your a student look into a good student discount. (Assuming your a good student)
Assuming you're a good student*
lol

I was sitting in there at state farm and they told me they dont do that stuff. However I am not attending school anymore (I'll go back after I get these loans down), but at geico I got cheaper because I am an engineer and have a 4yr degree. However geico wanted $1200+ per year...



I'll look into progressive. I just was hoping to get all three of my vehicles on one plan.
Also, does anyone know if any company does things like glass work, and trees falling during storms onto your stuff for free? My old MI insurance (auto-owners) used to.

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post #7 of 26 (permalink) Old 06-25-2012, 03:05 PM
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Quote:
Originally Posted by CorneliusRox View Post
Assuming you're a good student*
lol

I was sitting in there at state farm and they told me they dont do that stuff. However I am not attending school anymore (I'll go back after I get these loans down), but at geico I got cheaper because I am an engineer and have a 4yr degree. However geico wanted $1200+ per year...



I'll look into progressive. I just was hoping to get all three of my vehicles on one plan.
Also, does anyone know if any company does things like glass work, and trees falling during storms onto your stuff for free? My old MI insurance (auto-owners) used to.
State farm said no more good student discount?

That's news to me.. I took my transcript in 2 weeks ago to my agent to "renew" the discount..

Weird.

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post #8 of 26 (permalink) Old 06-25-2012, 03:13 PM Thread Starter
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Quote:
Originally Posted by BLAKKoctober View Post
State farm said no more good student discount?

That's news to me.. I took my transcript in 2 weeks ago to my agent to "renew" the discount..

Weird.
They told me they never did that, and I swore they used to, so now I'm thinking it might have been that particular one? idk

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post #9 of 26 (permalink) Old 06-25-2012, 03:22 PM
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Quote:
Originally Posted by CorneliusRox View Post
They told me they never did that, and I swore they used to, so now I'm thinking it might have been that particular one? idk
I would call and ask someone else.. that doesn't seem right lol

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post #10 of 26 (permalink) Old 06-25-2012, 03:50 PM
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Makes much more sense now. on the discount, it norm depends on the agent. I've had some agents tell me about discounts that other's didn't. Also, sense it seems like you got a legit job ask about your work. Alot of companies give discounts if you work for certain companies.
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post #11 of 26 (permalink) Old 06-25-2012, 04:31 PM Thread Starter
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Originally Posted by lownslo600 View Post
Makes much more sense now. on the discount, it norm depends on the agent. I've had some agents tell me about discounts that other's didn't. Also, sense it seems like you got a legit job ask about your work. Alot of companies give discounts if you work for certain companies.
Yeah, we actually do get a discount at one and I always seem to forget about that. lol Thanks for the reminder. Metlife?

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post #12 of 26 (permalink) Old 06-25-2012, 04:34 PM
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You may get one for metlife....no telling. Alot of that stuff you have to ask for, unless its some agent you've known for years. I know all the main ones normally offer discounts for employers. Normally the company will have a policy with them as well.
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post #13 of 26 (permalink) Old 06-25-2012, 05:28 PM
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Crap! I pay progressive 189/month for insurance (full coverage).
State: SC
Age 21
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post #14 of 26 (permalink) Old 06-25-2012, 07:20 PM
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As the guy on the Allstate commercials says, it all pretty much costs the same. Each company wants your business so lots of "discounts" are offered. Some of the worst are
"transfer" (from another company), and "season" (when you're not likely to ride as much). After trying Allstate, Progressive, GEICO, and Dairyland I returned to GEICO because the discounts were real and unconditional, the premium difference wasn't that great (Allstate was the lowest, but the company's practices are horrible), and I can do everything on-line including getting quotes for adding vehicles. Re the multi-policy discount it generally doesn't matter whether you have 2 policies (2 vehicles) or 10. You'll get a discount on each, but the discounts don't compound. Good luck.
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post #15 of 26 (permalink) Old 06-26-2012, 08:57 AM Thread Starter
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Quote:
Originally Posted by KeysRider3 View Post
As the guy on the Allstate commercials says, it all pretty much costs the same. Each company wants your business so lots of "discounts" are offered. Some of the worst are
"transfer" (from another company), and "season" (when you're not likely to ride as much). After trying Allstate, Progressive, GEICO, and Dairyland I returned to GEICO because the discounts were real and unconditional, the premium difference wasn't that great (Allstate was the lowest, but the company's practices are horrible), and I can do everything on-line including getting quotes for adding vehicles. Re the multi-policy discount it generally doesn't matter whether you have 2 policies (2 vehicles) or 10. You'll get a discount on each, but the discounts don't compound. Good luck.
What do you get at Geico? They are cheap for my car/truck, ($96full/$14plpd) but want over $1200/year (PL/PD, not even Comp) for my bike which is crazy talk.

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post #16 of 26 (permalink) Old 06-26-2012, 09:15 AM
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country companies all the way. Do not use state farm I have been hearing horror story after horror story here lately and how big of dicks they are. I had a friend with a 6k dolla car totalled ant they dropped em. What a joke. I totalled a 23k $ car and my rates barely went up. Best deal around by far and i even know some people who own thoeir own agency and they couldnt come close to that.

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post #17 of 26 (permalink) Old 06-26-2012, 09:32 AM
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State farm depends on your agent. I've cashed 2 bikes 1 car and one stolen car from state farm premiums never went up. I pay 247 a month full coverage on all my vehicles 07 and 06 600rr 03 Forrester 08 crv life insurance home owners insurance. Two drivers on the policy also. I called a few different agents they all have different prices.

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post #18 of 26 (permalink) Old 06-26-2012, 10:00 AM
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40yr old, clean driving record and Insured in FL

2011 Camry- $1023yr Full coverage Amica

2007 Tundra- $923yr Full coverage Amica

2009 600rr- $282yr Full Coverage State Farm

If you have a clean driving record you should give Amica a call. And State Farm FTW on motorcycle.

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post #19 of 26 (permalink) Old 06-26-2012, 10:14 AM
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all state would be worth a look

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post #20 of 26 (permalink) Old 06-26-2012, 10:16 AM Thread Starter
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Quote:
Originally Posted by napvid View Post
40yr old, clean driving record and Insured in FL

2011 Camry- $1023yr Full coverage Amica

2007 Tundra- $923yr Full coverage Amica

2009 600rr- $282yr Full Coverage State Farm

If you have a clean driving record you should give Amica a call. And State Farm FTW on motorcycle.
Wow, Amica isnt bad.

1368/yr for pretty much everything maxed out for fullcov on my Audi and plpd on my ram. So that would be $114 a month for those two and that includes free glass (which is nice).

I might have to do my bike separate then

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post #21 of 26 (permalink) Old 06-26-2012, 03:55 PM
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I have Progressive for my cars and motorcycles. 2011 GSXR600, 2012 S1000RR, and 2009 CBR600RR for $740/yr. For the cars, 2010 Dodge Ram, 2012 Civic Si, 2006 Nissan Sentra is ~$1200/yr with 3 drivers on the policy.

I had Geico for about 8 years and they kept slowly raising my rates so I told them goodbye.

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post #22 of 26 (permalink) Old 06-27-2012, 10:52 AM Thread Starter
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I have Progressive for my cars and motorcycles. 2011 GSXR600, 2012 S1000RR, and 2009 CBR600RR for $740/yr. For the cars, 2010 Dodge Ram, 2012 Civic Si, 2006 Nissan Sentra is ~$1200/yr with 3 drivers on the policy.

I had Geico for about 8 years and they kept slowly raising my rates so I told them goodbye.
have you made any claims with them and how were they>?

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post #23 of 26 (permalink) Old 06-27-2012, 02:26 PM Thread Starter
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Progressive for Comp on my bike is $222/yr ($127/6month)
^^had to be separate

Full Cov for my Audi + PL/PD for my Truck is $607/6month ($104.36/month)

So not bad at all

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post #24 of 26 (permalink) Old 06-27-2012, 06:54 PM
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have you made any claims with them and how were they>?
Yep, my CBR1000RR was stolen in April. Thats pretty much it. BTW, that is essentially maxed out coverage for everything for us.

Sounds like you found a good rate with them?

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post #25 of 26 (permalink) Old 06-27-2012, 07:42 PM
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2011 GSXR600, 2012 S1000RR, and 2009 CBR600RR
Just popping in to say that I want your garage.

That is all. Good day!

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post #26 of 26 (permalink) Old 06-27-2012, 09:52 PM
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Just popping in to say that I want your garage.

That is all. Good day!
LOL - thanks mang. I had to have the recall done on my S1000rr so I was without a street bike for a bit.

Wound up begging rides on my wife's GSXR between trackdays

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