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Motorcycle Insurance Report

Are you getting a fair deal on your Florida motorcycle insurance?

In a effort to help you make that determination reports from fellow riders are collated and presented here.

Some companies seem to be charging more than others for similar or even less coverage. Cost isn't the only criteria for selecting an insurance company. Solvency of the company and how fair they are when it comes time for them to pay are two other issues you must weigh when selecting an insurance company.

This report only shows costs, coverage and factors related to cost and coverage. However that is a pretty good point to start at.

The following is the data received and verified from Florida Riders. "Verified" does not mean that the data was verified but rather that the person submitting the data was verified as a rider. An error occurred in the first few report and the question regarding Un-insured Motorist was not asked. The "not asked" designation in the report below reflects that error.

All reports received were published except 3. The persons who submitted those 3 reports did not respond when a verification was requested. Each column represents one submitted report form. You are invited to submitt your insurance information through the report form.

Compare what you see with what you have.   Last Updated on 4/26/02 By Mark

  Reports                                                             4/26/02  
Costs                                                                 Costs
Company Name GMAC State Farm GMAC Progressive None Progressive GEICO State Farm   Geico Progressive Progressive Cycle Direct Progressive State Farm Progressive Progressive StateFarm Progressive cycle direct allstate Cycle Direct Progressive Dairyland State Farm All State AlL State All State Progressive GEICO american national Ins Progressive Company Name
Local Agent Yes Yes No No N/A No Yes No   Direct Yes Yes No No No No No Yes   No Yes No Yes Yes Yes Yes Yes Yes No No yes No Local Agent
Premium -6 months $116.50 136.00 150.00 117.50 None 330.50 289 185   190 350 791 140 75 220 118 215.50 212.20 62.00 332 750 79.50 237 179 212 196.40 750 371.50 600.25 200 373 155 Premium -6 months
Coverage                                                                 Coverage
Bodily Injury 100/300 25/50 100/300 100/300 0 10/20 25/50 25/50 10/20 10/20 100/300 100/300 100/300 25/50 100/300 25/50 25/50 50/100 10/20 10/20 10/20 100/300 10/20 50/100 50/100 100/300 10/20 100/300 100/300 50/100 100/300 10/20 Bodily Injury
Guest Rider Coverage 100/300 25/50 10/20 100/300 0 None 0 25/50 10/20 10/20 25/50 100/300 100/300 0 10/20 25/50 25/50   10/20 0 no no No 50/100 No 0 No 10/20 100/300 50/100 100/300 no Guest Rider Coverage
Collision / Comp Deductible $500 500 250/500 500/500 0 100 250 500 500 250 500 250 500 500 500 500 500 250 500/500 500 500 500 250 500/500 500 250 500/500 500/200 500 250/250 500/500 No Collision Collision / Comp Deductible
Property Damage $50,000 25 50 50 0 Min 25 100 10 10 50 50 50 10 100 10 10 25 10 10 0 50 10 25 50 25 0 50 50 50 100 None Property Damage
UnInsured Motorist BI 0 (not asked) (not asked) 100/300 0 (not asked) 25/50 100/300 0 0 0 100/300 0 0 25/50 0 25/50     10/20 0 0 None 10/20 25/50 100/300 0 0 100/300 None None None UnInsured Motorist BI
Towing $50       0     0 0   None 0 $50 100   $50           0 1000 50           100 50   Towing
Roadside Assistance $400     Yes 0     0 0   "free" 0 ?     $50           50 1000 50         Unk yes     Roadside Assistance
Factors                                                                 Factors
Multiple Vehicles Discount Yes Yes No No None No No Yes     No No No   Yes Yes No     No   No No     Yes     No No Yes Yes Multiple Vehicles Discount
Model of Bike Valk Std I / S Valk Tourer Valk Std Tourer Tourer Valk Valk Valk Valk I / S Standard Valkyrie Std I / S 1500CT Trike Valkyrie FXDB Kawasaki Valkyrie Valk Tour Valk Tour Valk Inter Valk Std Kawasaki Valkyrie Valkyrie Goldwing Valkyrie Tour & CB750K5 Model of Bike
Year of Bike 2000 2001 1998 1999 1998 1997 1997 1999 1998 1999 2000 1999 1997 1998 1998 1999 2000   2000 1992 2000 2001 1999 1997 2000 1997 2000 2001 1999 2000 1999 1997 / 1975 Year of Bike
Experience Riding 20 yrs 15 38 30+ 20 5 20 19 30 21 30 9 40 40 14 10 5   22 35 15 30 40 35 6 45 15 32 10 4 20 27 Experience Riding
Age of Driver 53 yrs 45 56 56 54 52 42 36 44 36 59 47 57 59 49 32 67   52 58 35 58 55 52 55 61 35 60 38 54 53 50 Age of Driver
License Type C & MC   D -MC MC MC No C & MC MC B + MC C & MC CDL MC ? CDL - MC MC MC MC   mc Fla MC operator op/mc E/mc   b cdl m/c mc     mc mc   License Type
Motorcycle Safety Class Yes Yes No Yes No No Yes No       Yes   No Yes Yes Yes   No No   No No   Yes     No Yes       Motorcycle Safety Class
Garaged at Night Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes   Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes yes   Yes Garaged at Night
County Marion Bay Flagler Hendry Seminole Lee us Hillsborough Escambia Sarasota Hillsborough Pasco Orange Volusia Pinellas Okaloosa us   Flagler Hendry broward Hendry Duval Pinellas Pinellas Bravard Broward Lake   Sarasota Hillsbourgh Brevard County
City Ocala   Palm Coast LeBelle Sanford   Panama City Tampa Pensacola Nokomis Tampa Hudson Orlando Port Orange Largo Crestview Jacksonville   Palmcoast Alva Hollywood LaBelle Jacksonville Siminole Largo Palmbay Hollywood Clermont Plantation Sarasota Brandon Indialantic City
Not At Fault Accidents None None 5 None None None None None None 1 None None None None None None 1   None None None None None None None 1 None None None None None None Not At Fault Accidents
At Fault Accidents None None None None None None None None None None None None None None None None None   None None None None 4 None None None None None None None None None At Fault Accidents
Speeding Violations None None None None None None None None 1 3 1 None None None None None None   None None 1 None None None None None 1 None 1 None 2 None Speeding Violations
Other Violations None None None None None 1 None None None None 1 None None None None None None   None None None None None None None None None None None None None None Other Violations

Last Updated on 4/26/02
By Mark