motorcycle insurance question - Honda Goldwing Forums
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post #1 of 25 (permalink) Old 05-21-2019, 06:29 PM Thread Starter
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motorcycle insurance question

After the 2nd year in a row of rate increases it is time again to search for good, cheap insurance.
Seems I have to do this about every 3 years to get the best rates.

My question is this........

Have you ever heard of Markel Insurance?

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post #2 of 25 (permalink) Old 05-21-2019, 06:45 PM
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I have heard of them, but have no experience. I have Allstate and they were very competitive about 8 years ago when I switched. I looked around a couple years ago and didn't find anything better.

Mark
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post #3 of 25 (permalink) Old 05-21-2019, 06:47 PM
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Yes, I am familiar and have had them for years on multiple bikes of multiple brands. Never made a claim. Customer service and pricing are very good. several riders I know have it and are very happy. Note: I am not affiliated with the company, just a satisfied user.
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post #4 of 25 (permalink) Old 05-21-2019, 07:40 PM Thread Starter
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Nationwide (current) premium = $369
Progressive (quote) = $292
Markel (quote) = $200

LibertyMutual and Geico were both more than Nationwide
these are for as close as I can get them for the same coverage (Liability, Comprehensive, Collision, Roadside, and gear)

that is why my question..... I have never heard of them before

IDMWT member #80
Never walk, when you can ride!

current ride : 2013 GL1800 Audio Comfort

Darkside Yokohama Avid ENVigor 195/55 R16
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Past rides: '98 GL1500SE
'03 750 Kawasaki Vulcan
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post #5 of 25 (permalink) Old 05-22-2019, 04:36 AM
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Never heard of them, I'm with the Gecko.



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post #6 of 25 (permalink) Old 05-22-2019, 06:26 AM
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I always had Progressive and was very happy with them. I think the last premium I paid was about $185 for a full year.

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post #7 of 25 (permalink) Old 05-22-2019, 07:08 AM
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I have a 2015 and my yearly cost through Progressive is $437.00. Maybe I should look elsewhere.

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post #8 of 25 (permalink) Old 05-22-2019, 09:00 AM
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Hmm, you all pay just about the same as me up here given the difference in currency value. I was paying just under $600 for full coverage on my Wing up until two years ago. Then I nixed the collision (I figure if I need collision coverage there will be more serious consequences than my bike) and I'm just over $300 now. Liability, theft, fire and comprehensive. That's through a company called Aviva and not all brokers up here can carry them. When I originally had street insurance on my RC51, another (nameless) underwriter was charging me over $700 for liability and fire/theft on my rocket. The only way others like them will cover an rr model sport/superbike is in a category called facility. It's where all the young rookies and non-licensed riders are put. Regardless of the fact that I have a spotless abstract, hundreds of thousands of miles and over 40 years experience as a licensed rider I was forced into a class with all the squids. Justified by them (underwriters) that it was my bike and not me that was the determining factor. My current insurer does not take rookies and riders with more than two violations on their license. The only stipulation that while my RC was insured with them that I would not take it on a race track. Which is why it is now a track only ride and not insured for the street (and it's no longer street legal so like I care).
Makes me wonder what the late 20's to 45 year olds pay these days...on bikes like ours.

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post #9 of 25 (permalink) Old 05-22-2019, 09:58 AM
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Markel has advertised in a few moto mags that I get, but I have not used them. It all depends on where you live to what rate you get. You are going to get all kinds of "I get the best rate with XXX company". Again, it all depends on where you live. I used Geico for years when I lived in So Cal. They always had the best rate. I moved to UT last year and my rates with Geico were going to go up big time. I searched and Daryland was the best for my area. I had the same thing happen when I moved from WA state to So Cal.

Just make sure when you are checking prices, your coverage and deductible are the same. That way you are comparing apples to apples.
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post #10 of 25 (permalink) Old 05-22-2019, 10:07 AM Thread Starter
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The numbers I posted are for a 55 year old with 33 years of riding experience and no traffic violations, I carry a class B-M CDL license with School Bus endorcement with only on wreck and it was in '98 (only thing not bent on that chevy truck was the left front fender)


Finally got a quote back from Dairyland = $232.92

Like you said budoka it is the collision part that is driving the cost.
once the bike is paid off.... will probably drop collision... did that with my other vehicles... my fault I will fix it... if I am still able to drive or ride.

IDMWT member #80
Never walk, when you can ride!

current ride : 2013 GL1800 Audio Comfort

Darkside Yokohama Avid ENVigor 195/55 R16
non-runflat

Past rides: '98 GL1500SE
'03 750 Kawasaki Vulcan
'81 850 Suzuki
'80 550 Suzuki
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