Rider Insurance FTW!!


M

MistahT

Mistah T
Elite Member
Mods, I put this in New Rider Q & A cause I thought it would be helpful. Feel free to move this thread somewhere else.

I just saved a ton of money on my bike insurance by switching to......

I've been thinking about getting more insurance or comprehensive for a while, but I originally got quotes in the $1500/year range. This is a 28 year old, married, teacher, with a garage, living in a "questionable" crime area.

Anyway, after 1 point on my license for going 9mph over in my cage (and the cop came to court and made sure it stuck) my current insurance went up maybe $50. Looking at a bill right now of just over $500 a year for me and my wife's Ninja 250 (about $60) for only liability,theft, and state minimum. I go down, I pay for all repairs. Decided to jump on the Rider Insurance website and get some quotes.

$240 a year for comparable 30/60/15, $500 deductible and they'll fix the bike if I go down even if it's all my fault, roadside assistance with flat bed towing, battery jump, etc. Are you serious? I called them to make sure I wasn't missing an extra zero in the price. Best part is, I can get full coverage, beef up my insurance, and still save money!

If you aren't on rider or haven't checked out their stuff, DO IT.
 
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J

JSP

Super Moderator
Nice! :D .
 
E

EsrTek

New Member
Been a supporter of theirs for years when I meet a few of the guys at some event..sadly they are not available in TN.. but I still wear the free t-shirts I got :p
 
C

CrazyCawi

New Member
keep in mind

only available in: DELAWARE INDIANA MARYLAND NEW JERSEY
OHIO PENNSYLVANIA VIRGINIA WEST VIRGINIA
 
M

MNGreg

waiting out winter
Elite Member
I dont think I would leave State Farm as I have had them now for 20 years, and they carry all of our policies (vehicles, house, life, personal articles etc...).

HOWEVER, it is always recommended to do insurance checkups every once in a while and see how you stand. For those that are not familiar with Rider, myself I was not able to get a quote yet:

Rider Insurance Coming Soon to More States
Rider is in the process of expanding its motorcycle and ATV/off-road vehicle insurance coverage to reach more states.

Where Rider Insurance is Available
Rider Insurance currently provides motorcycle insurance in Delaware, Indiana, Maryland, New Jersey, Ohio, Pennsylvania, Virginia and West Virginia.

If you live in a state not yet listed for coverage and would like a quote, complete the form below with your contact information and we will contact you with a motorcycle or ATV/off-road insurance quote as soon as it becomes available.
 
N

nismos14

I'm movin on
Elite Member
Rider is phenomenal, I changed to 50/100/50 and got it for $237 a year, $250 deductibles and all the bells and whistles.
 
B

bmw675

New Member
Curious, has anyone ever had to file claim with rider?
 
M

MistahT

Mistah T
Elite Member
MNGreg said:
I dont think I would leave State Farm as I have had them now for 20 years, and they carry all of our policies (vehicles, house, life, personal articles etc...).

HOWEVER, it is always recommended to do insurance checkups every once in a while and see how you stand.
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My family had state farm for a long time before I was riding and they took REALLY good care of us. However, I married into a military family and you can't beat USAA
 
R

Rabbitman109

Lumen Junkie
Elite Member
bmw675 said:
Curious, has anyone ever had to file claim with rider?
Click to expand...
My dad had them, and he said they were a huge hassle to deal with on the accident that wasn't even his fault. Turned me off from ever going with them. I personally have Progressive, and couldn't ask for better service. Always have taken good care of us, and I have good rates.
 
B

bmw675

New Member
Rabbitman109 said:
My dad had them, and he said they were a huge hassle to deal with on the accident that wasn't even his fault. Turned me off from ever going with them. I personally have Progressive, and couldn't ask for better service. Always have taken good care of us, and I have good rates.
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See that was what I was wondering. Sometimes cheaper insurance comes at a price.

I've never had to file a claim (besides 1 windshield) on any vehicle or house of mine. But no sooner I switch.....

"Luckily" they are not available in illinois. I have country financial.
 
J

JT

Monster Member
Elite Member
Rabbitman109 said:
My dad had them, and he said they were a huge hassle to deal with on the accident that wasn't even his fault. Turned me off from ever going with them. I personally have Progressive, and couldn't ask for better service. Always have taken good care of us, and I have good rates.
Click to expand...

agree with Chad on progressive. they have their stuff together in every catagory you can think of. no hassle durring claims
 
D

dx2killa

New Member
bmw675 said:
Curious, has anyone ever had to file claim with rider?
Click to expand...
I had rider when I totaled my bike just recently. The day that I crashed was a sunday someone was very helpful over the phone with everything they told me the next day my agent working my claim would call me. Sure enough they did and the following day an adjuster came out. Then within 2 days I had a call with the verdict being that it was totaled and had my offer the same day after I faxed over bill of sale. Honestly these guys are very fast! When someone totaled my car (rearended) there insurance company liberty mutual took them a month JUST to deem that it was totalled then another couple weeks to get me an offer then few more weeks to get my payoff+ extra. My bike will most likely be payed off next week as I also have to deal with gap insurance but Rider was very fast on there end as they're mailing out there part this week!
 
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J

JT

Monster Member
Elite Member
dx2killa said:
I had rider when I totaled my bike just recently. The day that I crashed was a sunday someone was very helpful over the phone with everything they told me the next day my agent working my claim would call me. Sure enough they did and the following day an adjuster came out. Then within 2 days I had a call with the verdict being that it was totaled and had my offer the same day after I faxed over bill of sale. Honestly these guys are very fast! When someone totaled my car (rearended) there insurance company liberty mutual took them a month JUST to deem that it was totalled then another couple weeks to get me an offer then few more weeks to get my payoff+ extra. My bike will most likely be payed off next week as I also have to deal with gap insurance but Rider was very fast on there end as they're mailing out there part this week!
Click to expand...

thats a fast turn around not bad at all
 
D

danieljardim

New Member
MistahT said:
Mods, I put this in New Rider Q & A cause I thought it would be helpful. Feel free to move this thread somewhere else.

I just saved a ton of money on my bike insurance by switching to......

I've been thinking about getting more insurance or comprehensive for a while, but I originally got quotes in the $1500/year range. This is a 28 year old, married, teacher, with a garage, living in a "questionable" crime area.

Anyway, after 1 point on my license for going 9mph over in my cage (and the cop came to court and made sure it stuck) my current insurance went up maybe $50. Looking at a bill right now of just over $500 a year for me and my wife's Ninja 250 (about $60) for only liability,theft, and state minimum. I go down, I pay for all repairs. Decided to jump on the Rider Insurance website and get some quotes.

$240 a year for comparable 30/60/15, $500 deductible and they'll fix the bike if I go down even if it's all my fault, roadside assistance with flat bed towing, battery jump, etc. Are you serious? I called them to make sure I wasn't missing an extra zero in the price. Best part is, I can get full coverage, beef up my insurance, and still save money!

If you aren't on rider or haven't checked out their stuff, DO IT.
Click to expand...
+1 for rider insurance.
 
M

MNGreg

waiting out winter
Elite Member
MistahT said:
My family had state farm for a long time before I was riding and they took REALLY good care of us. However, I married into a military family and you can't beat USAA
Click to expand...
I have USAA for my banking and Car loan! I LOVE their service. But I dont appear to be eligible for the insurance. From what I have read on their site is that my wife could get them, but not me. It was her dad that was career Army. Sounds like immediate family of the service member only is eligible??
 
R

Riccochet

New Member
Currently paying $186/yr for full coverage $100 deductible with Erie. Though, I also have 4 vehicles, home, personal property, boat and life with them. They treat me well.
 

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