McGraw motorcycle ins? - Wrist Twisters
 
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post #1 of 12 Old 08-23-2010, 07:19 PM Thread Starter
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McGraw motorcycle ins?

Has anyone heard of or used McGraw motorcycle ins (https://ridewithmcgraw.com/).... my year through progressive is just about up, and well i thought i might shop around even though my rate is low (211 for the yr)... but a quote for better coverage has me at just about 100 bucks less! ... so i was wondering if anyone had any info or experience with em?

Thanks.

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post #2 of 12 Old 08-24-2010, 01:26 PM
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holy shit, 211 for the year is smokin! how old are you? paying $468 a year being 26 with a clean record.

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post #3 of 12 Old 08-24-2010, 01:29 PM
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I pay $152 for the year with Progressive, minimum liability only of course.

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post #4 of 12 Old 08-24-2010, 01:33 PM
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Quote:
Originally Posted by Pvster View Post
holy shit, 211 for the year is smokin! how old are you? paying $468 a year being 26 with a clean record.
Full coverage or what? I'm using Progressive and have kept them for just over two years.

I'm 26 and with one ticket, liability last year was $480. This year my record is clean. The same liability + comp and $3,000 accessory coverage package is $235 with the full payment discount.

It ticks me off looking at the details of my policy. $20 of it is for some stupid local tax to rebuild downtown. Funny...when they started talking about that tax, they said it would only cost each person $30. They wouldn't let me write them a check for $30 and exempt from the tax. Wonder why. They tax all insurance for that downtown project.

I think details on this are important because one seemingly small difference can mean big $$$. I've pasted my coverage from the Progressive website.

BODILY INJURY & PROPERTY DAMAGE LIABILITY
- BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT
- PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT
PEDESTRIAN PERSONAL INJURY PROTECTION
- $10,000 LIMIT - NO DEDUCTIBLE
COMPREHENSIVE $500 DEDUCTIBLE
ACCESSORY COVERAGE $3,000
UNINSURED MOTORIST - REJECTED

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post #5 of 12 Old 08-24-2010, 04:10 PM Thread Starter
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im @ 211 a yr with minimum liabilities .... 21 yrs old, live in southern california and have 2 pts on my record from one offense.... apparently cops dont like burnouts in the rain in a truck.

I called up McGraw today and got a quote of 118 with better coverage than progressive (what i currently have)... but being that i have never heard of McGraw insurance im a little leary...

I dont plan on making any claims... i mean 99% of the time the crash will be my fault for laying it over, and no one else will be involved so no point in makin a claim IMO. But even then on the off chance i do have to make a claim, i dunno how a smaller company will handle such a thing.

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post #6 of 12 Old 08-24-2010, 04:47 PM
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I have Progressive as well, and after you hit a year, you enter their Silver program, or something, and get an additional discount (I'm assuming no points/claims that year), so mine actually went down from about 280 to 220, full coverage. 32, clean record (current )

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post #7 of 12 Old 08-24-2010, 06:02 PM Thread Starter
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Quote:
Originally Posted by g00gl3it View Post
I have Progressive as well, and after you hit a year, you enter their Silver program, or something, and get an additional discount (I'm assuming no points/claims that year), so mine actually went down from about 280 to 220, full coverage. 32, clean record (current )
ya.... mine went up 4 dollars from last yr.

I had progressive for a yr on my dads vtx1800 at 280 for min coverage, the second year would of been half (140), but i switched bikes to the 919 right when my first yr was up... so i have had the same policy with them for now 2 yrs... so no awesome discount there :-(

I really got to go to the dmv and get an H6 form to see how many pts are on my record. I know i have 2 for sure, but i did rear end a lady in her car last yr... it did a total of bending my front license plate, but she claimed it through her ins, but i dont know if its gone any further.

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post #8 of 12 Old 08-29-2010, 03:37 PM
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I use mcgraw. best deal I was able to find. Never had to make a claim though.

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www.rmbsynthetics.com

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post #9 of 12 Old 08-29-2010, 03:52 PM
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I have Progressive as well, have had them for a few years.
Just paid $273 for full, year-round coverage.

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post #10 of 12 Old 08-29-2010, 04:22 PM
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huh... I pay about $96 a year through progressive for liability only. Full coverage is about 10x that.



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post #11 of 12 Old 08-29-2010, 06:03 PM
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If you're 21- buy the absoulute cheapest insurance you can find.

It's not like something drastic can happen and you might risk loosing your lake house and private jet.

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post #12 of 12 Old 09-05-2010, 03:10 PM
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OTOH, a court could attach your wages for the next 30 years.

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