ElectricMotorcycleForum.com
Makes And Models => Zero Motorcycles Forum | 2013+ => Topic started by: laramie LC4 on September 03, 2016, 05:49:55 AM
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reading another thread and it got me thinking. i have seen several people reporting widely varying prices on their insurance. i thought it might be helpful to the masses to get a sense of what others are paying, and the companies they are using. maybe save us a couple bucks in the process.
i'll start;
GEICO Military Division, - No tickets, no accidents, no claims, perfect driving history
2016 Zero FXS
Bodily Injury Liability $15,000/$30,000 = $17
Property Damage $10,000 = $15
Uninsured/Underinsured - waived (i got good insurance ;D)
Comprehensive $500 Deductible = $38
Collision $500 Deductible = $329
Towing & Labor Costs = $12
Total 12 Month Premium = $411
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Progressive, $87 a year, which includes multiple-bike, old folks, and long-time customer discounts. For this amount I get the following:
Bodily Injury Liability $250,000/$500,000
Property Damage $100,000
In 2009, I only paid $5 a year from Progressive for the same coverage on my 2009 Electric Motorsport GPR-S. :o
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A comparisn from Germany, if allowed. Hopefully I hit the right translations)
Zero S 2015
78 Euro (87 $) per year (41 % premium rate (discount because of longtime customer without damage events))
Includes:
- Insurance against damage to third parties: 100,000,000 Euro (115.5 Mio $) (but max. 15,000,000 Euro (16.7 Mio $) per harmed person)
- Own damage claim (Own contribution in event of damage: 150 EUR (167 $))
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Progressive through USAA for 2016 FXS in GA, USA:
Zero
BODILY INJURY & PROPERTY DAMAGE LIABILITY $11.00
BI $30,000 EACH PERSON - $60,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $25,000 EACH ACCIDENT
COMPREHENSIVE $500 DEDUCTIBLE $49.00
COLLISION $500 DEDUCTIBLE $15.00
ACCESSORY COVERAGE $3,000 INCL
UNINSURED/UNDERINSURED MOTORIST - REJECTED
UNINSURED MOTORIST PROPERTY DAMAGE - REJECTED
PERSONAL INJURY PROTECTION - REJECTED
Premium by Vehicle $75.00
Automobile Burglary/Theft Prevention Fee $2.00
Total Policy Premium $77.00 for one year.
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Dairyland Insurance (No 'points' on record, but new customer to DL 2016)
2016 Zero DSR
Main vehicle ridden every day
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Bodily Injury Liability
$50,000/$100,000
$43.78
Guest Passenger Liability
$50,000/$100,000
$22.32
Property Damage Liability
$50,000
$63.34
Uninsured Motorist Bodily Injury
$50,000/$100,000
$326.40
Underinsured Motorist Bodily Injury
$50,000/$100,000
$261.24
Comprehensive
$60,000
Deductible: $1,000
$105.72
Collision
$60,000
Deductible: $1,000
$128.76
Optional Equipment
$5,000
Included
Diminishing Deductible
Yes
$10.00
Physical Damage Plus
Yes
$20.00
Discounts:
-Transfer from Progressive ('03 sv650s)
-MSF Course
-Garaged
-AMA Member
Total Premium:
$981.56
$83.80/mo
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I bought a '16 S as my first motorcycle and paid $1000 for the year for Progressive (other companies were right around this figure as well).
Seeing the low costs posted in this thread give me heartburn...Can I expect to pay significantly less next year? Do you all have many years of unblemished experience?
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I pay somewhere in the middle of this range ($500/yr) for two Zero's and a V-Strom and no cars with Progressive.
I'm in my late 30s with a few accidents over ~10 years.
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I had progressive, but my rates went through the roof after a single car accident last year (I accepted fault, but it was simply a car door that opened in front of the trailer--I was pulling out of a parking space very slowly). For whatever reason, Geico came in much lower. My Geico liability with 3 bikes with 100k/300k + 50k property damage is $283/year. The Zero comprehensive/collision with $500 deductible is an additional $121/year = $404/year total
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Just dropped my bike and discovered I somehow didn't have collision insurance :(
But on Geico my comprehensive with a 1k deductible is $300. That doesn't seem right, and 1k of added collision is another $860/yr. Wtf!
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yup, lots of varying numbers. i think i'm going to be calling around some more.
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2015 SR, Maryland, no points, no accidents...
Bodily Injury Liability $53.00
$50,000/100,000
Property Damage Liability $11.00
$100,000
Uninsured Motorist Bodily Injury $27
$50,000/100,000
Uninsured Motorist Property Damage $8
Total = $99
With collision and comprehensive (both with $500 deductible) the cost goes up to $500 a year, most of it due to the cost of collision...
This is the same cost as for my Vectrix for the basic coverage. Comprehensive and collision were a little bit cheaper on the Vectrix.
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looks like progressive may be the winner.
did their online quote and came up with MUCH better coverage and $471 cheaper per/year for my 2 bikes.
kinda pissed at GIECO and their special "military" branch. i will give them 1 more call and give them a chance to make it right, if not i think i will be shopping all my current insurance needs now...
keep it coming guys,
laramie ;)
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Been with Pacific Specialties here in Cali. for maybe 20 years and get great rates. Just added my '13 Zero S for $181/yr for full coverage with $500 deductible!
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2015 FX full coverage, $250 deductible, $80 annual premium, Progressive.
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It would help to mention the state where you insure. That's a *great* price below. Mine is higher, but not because of the "R", it just is - my '07 and '09 Vectrix had the same costs to insure, more or less as the '15 SR.
Zero SR $99 a year for basic coverage as listed above (which provides more than the basic coverage someone else listed). Adding collision and comprehensive adds about $400 on top. GEICO, in Maryland. Have not found a cheaper option (similarly, they are the lowest for my cars).
2015 FX full coverage, $250 deductible, $80 annual premium, Progressive.
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Hi All,
I added a tracker to my 2017 DSR and it brought the cost down dramatically. (1700 pounds! to about 400)
Other things that made a big difference are accessories (luggage, screen, heated grips etc) and amount of annual mileage.
Hope this helps.
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I pay 225 euro's/year for all risk, which is liability and own damage to bike and people on it. I have 70% no-claim discount.
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It would help to mention the state where you insure. That's a *great* price below. Mine is higher, but not because of the "R", it just is - my '07 and '09 Vectrix had the same costs to insure, more or less as the '15 SR.
Zero SR $99 a year for basic coverage as listed above (which provides more than the basic coverage someone else listed). Adding collision and comprehensive adds about $400 on top. GEICO, in Maryland. Have not found a cheaper option (similarly, they are the lowest for my cars).
2015 FX full coverage, $250 deductible, $80 annual premium, Progressive.
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You are absolutely correct and my info is rather useless without the state. I'm in Colorado. It was $357 with State Farm, $500 deductible. I also insure my car and home with State Farm so you'd think there'd be some kind of discount for that.
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I've had insurance from State Farm for years: cars, bikes,
homeowners, etc. I've had a few claims (car parked in the road outside
my house rear-ended and demolished at midnight; bicycles stolen
from my garage; a couple of others during the past 30 years).
*This isn't a plug for State Farm, just want to note that
I've always been happy with their service, and have never noticed
increased premiums from any claims*.
That said, here're costs for my Zero SR. Notes:
- I live in the Bay Area in CA, where cost of everything is above average
- cost is only for the Zero; costs are additional for my other bikes (2005 ninja EX250; 2004 Aprilia Scarabeo)
- I think I have top-of-the-line coverage, possibly more than I need ...
Following costs are for six months; yearly cost is ~577
Liability - Bodily Injury / Property Damage
$100,000 each person / $300,000 each accident / $50,000 each accident
Premium $26.21
Comprehensive Deductible $250
Premium $84.40
Collision Deductible $250
Premium $123.00
Uninsured Motor Vehicle - Bodily Injury $100,000 each person / $300,000 each accident
Premium $52.39
Uninsured Motor Vehicle - Property Damage $250
Premium $2.33
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2016 DSR San Francisco Bay Area - Thru Geico. It's the only vehicle I have with them because the company I have my cars, house, umbrella, etc with won't cover motorcycles.
Total $829/yr
Bodily Injury Liability - $97.00
$300,000 per person/$300,000 per occurrence
Property Damage Liability - $32.00
$50,000 per occurrence
Medical Payments - $81.00
$2,000 per occurrence
Uninsured Motorist & Underinsured Motorist - $202.00
$100,000 per person/$300,000 per occurrence
Comprehensive - $112.00
Deductible: $500
Collision - $295.00
Deductible: $500
Towing and Labor - $10.00