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Triumph Trophy
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Triumph Trophy - General Chat
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Great Insurance Rates
17 May 22, 21:59 pm
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Topic: Great Insurance Rates (Read 3729 times)
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GaryWWhite
Trophy Master ‐
535
Topic Author
GaryWWhite
Trophy Master
Topic Author
Posts: 535
Bike: 2017 TTSE Black
City / Town: Lees Summit Missouri
Country:
Great Insurance Rates
on:
Aug 28, 2017, 05.47 pm
Aug 28, 2017, 05.47 pm
Hey, I know that insurance coverage isn't an exciting topic but I just wanted to pass on the deal I got recently. I had an accident in May where I ran off the road and totaled my HD. I was insured through Progressive paying about $38 a month without medical payments, underinsured liability coverage and roadside coverage. I called Progressive and found out that my coverage would be $124 a month due to the accident and the fact that Triumph's are rated higher in premium than HD's. I sucked it up and went with a $1000 deductible which reduced the payment to $92 a month.
I then saw the ad online in the Forum about Dairyland Cycle insurance. I knew they were a specialty Company after being an insurance adjuster for nearly 35 years and knowing there were reputable. I got a quote from them for a rate of $47 a month with a $500 deductible, med coverage, underinsured motorist coverage and road side assistance.
Just thought if any of you needed coverage on your TT's this might be a good option!!
Best Regards,
Gary
janfmiller
Trophy Master ‐
949
#1
janfmiller
Trophy Master
Posts: 949
No such thing a bad weather; just wrong clothes!
Bike: Was: 2013 Trophy SE
City / Town: Superior Wisconsin
Country:
Re: Great Insurance Rates
Reply #1 on:
Aug 28, 2017, 07.01 pm
Aug 28, 2017, 07.01 pm
I have good rates in WI with Nationwide, but it always pays to check around....
1977 Suzuki TS-185
1974 Kawasaki Z-1 903
2021 Honda Africa Twin Adventure Sports ES NON-DCT
lemuriano
Trophy Pro ‐
200
#2
lemuriano
Trophy Pro
Posts: 200
Bike: 2014 Trophy SE
City / Town: Jacksonville, Fl
Re: Great Insurance Rates
Reply #2 on:
Aug 28, 2017, 08.08 pm
Aug 28, 2017, 08.08 pm
Great informative tread. We choose esurance when we bought the bike, initially was $31 and then they lowered to $24. I like the fact that even after almost three years, we still have the new motorcycle protection, that pays the MSRP in case of a total loss.
An apprentice in life, perhaps with the spirit of a Café Racer
IBA #60953
GaryWWhite
Trophy Master ‐
535
Topic Author
#3
GaryWWhite
Trophy Master
Topic Author
Posts: 535
Bike: 2017 TTSE Black
City / Town: Lees Summit Missouri
Country:
Re: Great Insurance Rates
Reply #3 on:
Aug 28, 2017, 08.40 pm
Aug 28, 2017, 08.40 pm
Wow, that's fantastic! I went right away to Esurance and they had a notice that they don't offer this in Missouri.
The replacement cost aspect is phenomenal. Hey, I just bought my TTSE new for a large discount. With the bike being discontinued, I would like your input about how this will affect the values of these bikes? Some say that the value will increase due to their popularity amongst us in the know lol.
Best Regards,
Gary
SprintST1050
Ex Member
Trophy Pro ‐
247
#4
SprintST1050
Ex Member
Trophy Pro
Posts: 247
Bike: '15 Trophy SE
City / Town: Charlotte, NC
Re: Great Insurance Rates
Reply #4 on:
Aug 28, 2017, 11.34 pm
Aug 28, 2017, 11.34 pm
What a subject?!?! Here in North Carolina, with State Farm - been with them almost continuously since high school days (early '70s). Last ticket was for speeding in a CMV back in 2002 and a one car accident back in 2011 (car totaled - power pole replaced). Nothing since.
$628.42 per year for my Trophy and $537.68 per year for my Sprint.
50/100 Liability Bodily Injury
50 Liability Property Damage
Fire, Theft, Vandalism $100 Deductible
Collision $100 Deductible
Combined Insured/Uninsured Motor Vehicle
50/100 Personal Bodily Injury
50 Personal Property Damage
I shop around often and only GEICO beat my current rates by only a few $$$$. Esurance rates were nearly identical while while everyone else was higher, some alot higher. Keep in mind I also insure my home, car and pickup truck with State Farm.
Last Edit: Aug 29, 2017, 12.00 am by SprintST1050
GaryWWhite
Trophy Master ‐
535
Topic Author
#5
GaryWWhite
Trophy Master
Topic Author
Posts: 535
Bike: 2017 TTSE Black
City / Town: Lees Summit Missouri
Country:
Re: Great Insurance Rates
Reply #5 on:
Aug 29, 2017, 12.33 am
Aug 29, 2017, 12.33 am
Hey My Friend,
Those are good rates but I think Dairyland might be able to provide you with a better quote. Just go on line and fill out the info. With your driving record I am certain you will have a lower premium with better coverage. The only thing I don't know is if they will provide a $100 deductible. Kind of doubt it as $500 is typical nowadays. I had State Farm for almost 40 years and had three claims within 5 years on my home (two back flows through sewer lines and one fire where the microwave caught on fire). On the sewer line losses they made me accept a $5000 deductible and after 5 years reduced it to a $1000, shortly after this I had the fire and they advised they were canceling me. I moved to USAA for military and they have been great with a lot lower premium. I had my cars insured with State Farm too. They are now with USAA. State Farm treats you great until you have a claim. Needless to say State Farm I don't have much good to say about State Farm as this is how they repaid my loyalty. I'm sure if you have an (accident) God forbid or if your bike was stolen they would take good care of you on that end, but they might turn around and cancel you too?
Best Regards,
Gary
SprintST1050
Ex Member
Trophy Pro ‐
247
#6
SprintST1050
Ex Member
Trophy Pro
Posts: 247
Bike: '15 Trophy SE
City / Town: Charlotte, NC
Re: Great Insurance Rates
Reply #6 on:
Aug 29, 2017, 01.09 am
Aug 29, 2017, 01.09 am
Thanks for the info. When married , wife had numerous 'fender benders' - all handled superbly and no rate increase ever (Florida). After the one accident in NC (also handled superbly) I was pushed into the 'Safe Driver Program' were my car rates jumped 62% (state maximum) for 2 years.
Rates receded eventually but in 2014 NC began letting insurance companies raise their rates at will due to the extreme recklessness of illegals and/or explosion in the numbers of the uninsured (economy).
Keep in mind NC is a state that didn't approve of men entering women's restrooms and locker rooms, taking a beating as a result. You will run into people in NC who don't speak a word of English on a daily basis. Fortunately, they do seem to know how to use toilets.
smash
Trophy Pro ‐
191
#7
smash
Trophy Pro
Posts: 191
Bike: 2017 Trophy SE
Country:
Re: Great Insurance Rates
Reply #7 on:
Aug 29, 2017, 02.47 pm
Aug 29, 2017, 02.47 pm
I've been happy with my rates through Progressive, but their service has impressed me the most. I totaled my Speed Triple last summer. There was no BS or negotiation involved. They offered me the NADA retail price on the bike and also gave me the new retail price of every piece of gear I was wearing. I crashed on Wednesday and had the check on Monday. The only problem was they mis-coded one of the medical payments and sent it to the wrong place. I called them when I got a second bill and they figured it out quickly and took care of it. The best part was they offer accident foregivness and didn't count the crash against my future rates since I hadn't had a crash in five years.
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