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Just got an insurance shock. I transferred from the Dallas metro area and had full coverage through Foremost at an annual rate of $496 with a $250 deductible.

Foremost quoted me $1176 for the same coverage in the Mesa, AZ metro area. I thought Foremost was ripping me off until I got similiar quotes from Progressive and Dairyland(Sentry). So I guess Foremost wasn't ripping me off. What they did do that p-ssed me off was to deny me a renewal discount becasue they said it was a new policy.

What's up with the insurance rates in Phoenix and who is the best of the three companies?
 

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Ok......maybe I'm reading this wrong. You got a Foremost quote in Mesa, and Progressive and Dairyland were similar.........and Foremost is ripping you off?

Am confused..........but either way, $1176 is nuts............
 

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We have been insured thru GMAC for years, and w/4 motorcycles, 2 cars
and my pickup, we pay about 1/2 of your Foremost quote per year!

It might be worth your while to try them, maybe not, but what the heck...

I do know (nothing inferred) that insurance companies are now taking a
persons credit history into account as well as other issues. This along with
tickets, accidents, miles driven daily etc., can really add up!

Take a bit more time and shop around, there has to be a better plan out
there than these???

Should mention, GMAC is through GWRRA Touring Riders...
 

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You're farting in the wind if you're trying to compare companies and rates with what other riders from other areas are paying.

Insurance is all based on zip codes and claim rates for those given areas. Unfortunately Mesa, AZ is a mecca for motorcycle accidents, as is the entire Phoenix metro area.

I pay $800 a year for 100/300 full coverage with Farmers/Foremost, but I also have my vehicles, multiple bikes, and my home insured with them also, so you are in the ball park.
 

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Try Geico, for Arizona they are reasonable. Outrageous but reasonable for here. I have full coverage and my trailer and accessories for 700. It would be less but it's the only vehicle I insure with them. My reg ins. does not do cycles.
 

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You might check to see in ANPAC writes insurance in your area. They are fairly reasonable, at least here in Texas.

Mesquite Bob
 

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I pay $500.00 full coverage for each of my bikes total $1000.00 with State Farm. 8)
 

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Try raising your deductable from $250 to $500 or as high as you can live with. Then check to see how much it will lower your policy cost. (I carry $1000 deductable on all of my vehicles.)
 

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Big Wes, Check to see if your state farm agent is insuring your passenger. Here in Florida, they don't. it doesn't matter if it is a wife or someone else.

SF won't tell you unless you ask.

Hope this helps. Better to know now than later.
 

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I insure my Goldwing and my XL250 through Geico for about $375.00 a year....full coverage on the GW.. PL/PD on the XL250.....but I did set the deductible at $ 500.00.....(wk4bg8s has alot of vehicles !!!!!!!!!!!).....
 

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Yeppers!!! Cost is usually based on zip code. I lived in Scottsdale, AZ and moved to WV. Insurance is more than halved in cost. Same bike, same rider, same company...just a different location. As always, your milage may vary. :D
 

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I insure through Progressive and am happy with my rates.

Higher cost in Phoenix??? Maybe the per capita age threshold has something to do with that. :?:

Just trying to use some rationale............
 

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I have used Geico for 12 or more years. It costs me about $400 for full coverage for both bikes, my 1800 and my BMW. Both are touring bikes. $500 deductible. I get discounts for being a MSF instructor, mature rider, clean record, renewable, etc....
I have never filed a claim.
And I live in Nashville, TN. Probably is a low rate location.

Hackman
 

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Those rates are cheap.

Move to sunny British Columbia, not only does Honda Canada nail us hard when we buy the same bike (MSRP - '06 ABS & Nav. $29,000.00), dealers will knock off $2K.

Then buy insurance, basic coverage is $800.00/year, adding fire, theft, collision adds another $600.00/year.
 

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bc is a socialist country isn't it
 

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WELCOME to AZ insurance rates! Just did a review on my insurance and Geico is still the lowest at 790/yr. Progressive came in highest at 1752/yr, check with 3 others and they were in between.
 

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wingman57 said:
Big Wes, Check to see if your state farm agent is insuring your passenger. Here in Florida, they don't. it doesn't matter if it is a wife or someone else.

SF won't tell you unless you ask.

Hope this helps. Better to know now than later.


Thanks fot that info. It wouldn't surprise me in the least. I'll check on that.
My honest opinion of Insurance Co. and Agents is: "They are CROOKS & THIEVES" 8)
 

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USAA

I checked with Progressive and then with USAA, my auto insurer. USAA gave me a deeper discount on Progressive's rates.

You must have a military background to qualify with USAA however.
 

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I've been with USAA for over 30 years. If you are in a state where progressive is not a particularly good deal then USAA won't help you a bit. In fact they told me they don't really want to deal with cycles at all. That'swhy they second everything to progressive. Used to have progressive and it was reasonable now they are not here.. Geico is the best I've seen in Arizona. You can only compare within a state. Doesn't matter to me whatsoever what someone pays in some other state. Means nothing.
 

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My house, and all of my vehicles, including my Goldwing, are with USAA. The bike is not subbed out to Progressive or anyone else - it is part of my USAA auto package.

Carl
Seattle WA
 
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