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Old 04-14-2010, 09:08 AM   #1
mgold
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Question Progressive Basic Package?

I just looked into the Progressive Basic Package! It's about $215 a year for a 250cc.

Do other people have the Progressive Basic Package? Can you tell me if it's good or bad? I heard that Progressive will never pay out for anything!
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Old 04-14-2010, 09:36 AM   #2
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if you want full coverage on your bike (so that if someone tips it over insurance will pay for your handgrip) then the basic package is not for you. Progressive will contest every payout, and try to avoid paying as much as possible. thats the reason they can keep it so cheap.

if you want the cheapest insurance you can get for your 1500 dollar bike, that is very cheap. liability only, meets all law requirements. but when you are pulling your car out of your garage and run into your bike, you will be repairing it out of pocket.
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Old 04-14-2010, 09:50 AM   #3
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Shop around. I have full coverage so it is more but.. on my Bandit Progressive is less than State Farm (truck thru Farm) but for the Yamaha All State was was about 1/2 of Progressive for the same coverage. Haven't talked to State Farm yet about the Yami.
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Old 04-14-2010, 11:31 AM   #4
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Like Justi said, SHOP AROUND. Rates in a lot of states are based on loss experience for a particular model in a particular zip code. One company can be the cheapest, go a couple of blocks into another zip code, the other company will be lower. After a lot of shopping around, I ended up with Geico. They were WAY less than Progressive and quite a bit less than Satate Farm, where I have all my cars and home isured.
BTW..Geico's towing insurance is GREAT!
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Old 04-14-2010, 12:27 PM   #5
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Quote:
Originally Posted by EatSomeIron View Post
but when you are pulling your car out of your garage and run into your bike, you will be repairing it out of pocket.
If you run into your own bike with your car no matter what your coverage is they wont pay out, you cant file a insurance claim against yourself.

Bike aside, if you crash it and are ok with not getting any money payed out for it then so be it. The biggie on insurance is make sure your going to have medical insurance, most of the time your regular health insurance will cover you, but if you dont have health insurance get the medical bill coverage, I'd say atleast 20k.

Progressive, with the basic package will more than likely never pay out to you because they probably wont ever have to, if you wreck, your really going to have to whack something hard to cause more damage than you deductible but more than likely you will avoid whatever you were going to crash into and then you will wreck only damaging your bike.

However I can say with full coverage through progressive, if you have a claim, they will pay you. I had a claim, called them on a Saturday, they had a guy out Mon to write up the claim, he then cut me a check on the spot.
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Old 04-14-2010, 02:03 PM   #6
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However I can say with full coverage through progressive, if you have a claim, they will pay you. I had a claim, called them on a Saturday, they had a guy out Mon to write up the claim, he then cut me a check on the spot.
that's spectacular service.

personally I'm still on a >2k bike, so as little coverage as possible is fine with me.

but when i upgrade, i'll stay with progressive and bump up to a full coverage.
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Old 04-14-2010, 11:17 PM   #7
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Quote:
Originally Posted by internationalballer View Post
I can say with full coverage through progressive, if you have a claim, they will pay you.
You got lucky! I hear that many people, even paying a lot with Progressive, have a difficult time getting them to cover expenses. Many Auto Body Shops I've talked to won't take Progressive cars, because it's so difficult to get payments from them.

For Bikes that aren't worth much, it seems fine. Why would I pay $400-500 a year, on a 250cc used bike? It doesn't make sense.
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Old 04-14-2010, 11:25 PM   #8
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Quote:
Originally Posted by mgold View Post
Why would I pay $400-500 a year, on a 250cc used bike? It doesn't make sense.
I think most of the premium goes to liability, with small or inexpensive bikes.
You don't have to hit an Escalade very hard to do a few grand of damage.
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Old 04-14-2010, 11:51 PM   #9
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I think most of the premium goes to liability, with small or inexpensive bikes.
You don't have to hit an Escalade very hard to do a few grand of damage.
+1

I got a quote one time at like $77/month before they even added comprehensive on, and that was with a 2009 Ninja 250!

State Farm gave me like $33/month for full coverage and 100/300/100 and I think a $500 deductible. On my new bike it should only be about $10-$15 more, since it's an 04 (think they told me the 05 gsxr I was looking at was gonna be about $20 more).
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Old 04-15-2010, 11:44 AM   #10
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Quote:
Originally Posted by mgold View Post
You got lucky! I hear that many people, even paying a lot with Progressive, have a difficult time getting them to cover expenses. Many Auto Body Shops I've talked to won't take Progressive cars, because it's so difficult to get payments from them.
I have heard that also, but I have never actually met 1 person who has had a hard time getting a payment out of them. Its always the friend of a friend story, I think I'll stick with them unless the treat me bad.
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Old 04-15-2010, 12:40 PM   #11
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Quote:
Originally Posted by internationalballer View Post
I think I'll stick with them unless the treat me bad.
Best reason to use an insurance company. My parents have had State Farm for over 25 years and have never had any problems with claims with them yet.
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Old 04-26-2010, 04:49 PM   #12
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My parents have had State Farm for over 25 years and have never had any problems with claims with them yet.
State Farm is good, just expensive! You do get what you pay for!
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Old 04-26-2010, 07:03 PM   #13
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They were cheaper than the other insurance places for me. Progressive wanted $70+ for just liability on my ninja 250...
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Old 04-26-2010, 07:48 PM   #14
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Quote:
Originally Posted by justin68106 View Post
They were cheaper than the other insurance places for me. Progressive wanted $70+ for just liability on my ninja 250...
progressive has a base rate for liability only on a motorcycle... i think almost any motorcycle is $75... i think...

my friend with an old owi, and two speeding tickets got it on a 98 cbr900 anyway...
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Old 04-26-2010, 08:01 PM   #15
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progressive has a base rate for liability only on a motorcycle... i think almost any motorcycle is $75... i think...
Used to be. They just raised it to 95$. When I first started it was 50$. So that’s basically a 100% increase (for nothing).
Ahhh the good old days...
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Old 04-26-2010, 08:04 PM   #16
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But I bet that base package is minimum rates.

I paid $36/month with State Farm for comprehensive, 100/300/100 rates, medical payments, $500 deductible, etc. with the 250.
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Old 04-26-2010, 08:18 PM   #17
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Ahhh the good old days...
Gotta miss the good ol days.
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Old 04-26-2010, 09:45 PM   #18
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How do you think they can afford all those dumbass commercials on every channel, every break?
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Old 04-27-2010, 04:34 AM   #19
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I use USAA for our insurance (house and vehicles) and they outsource motorcycle insurance through Progressive. We don't go cheap on any of our insurance, but I only pay 39 bucks a month on a 2009 950cc cruiser. That is down from 46 dollars a month for the 950cc and my 250cc that I just sold.

I'm told that State Farm has better rates for the larger cc crotch rockets, but that is not my concern right now. For years I was with State Farm for each vehicle (as was my mom) until Hurricane Katrina several years ago (not speaking about their practices during that time here) but they stopped carrying home insurance for a time. I wanted to keep my insurance (home and vehicle) together, so being that I'm in the military I switched to USAA, and they're great.

I will say about Progressive that they are stubborn. My wife was rear-ended by a guy pulling a trailer loaded with scrap metal (he had Progressive Insurance) and I still don't know if Progressive ever paid the claim. They fought it tooth and nail.

So far, Progressive has been good for me (2 years). Insurance is a gamble. I like to win, so we maintain good insurance with low deductables, so if we get in a bad spot, we won't have to come up with a large amount of money.
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Old 04-27-2010, 04:18 PM   #20
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Quote:
Originally Posted by mgold View Post
State Farm is good, just expensive! You do get what you pay for!
Not expensive IMO!!! I have multi vehicle and townhouse policies though (25 yrs old too). I have had 2 claims with them and they have both been processed in a breeze! No rate hikes either. I pay $17 a month for full coverage ($500 deduct) on my 2008 R6.
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Old 05-19-2010, 11:40 AM   #21
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Basic coverage packages give you what, $100,000 to 200,000 liability coverage right? Okay so, is that enough coverage if I do a million dollars in damage, or mess someone up in the hospital and their bill is 5 million? I am over 21 with my own package, but has the court ever gone after my relatives for the rest of the money?
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Old 05-21-2010, 01:03 PM   #22
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Originally Posted by ArtyDilluh View Post
Basic coverage packages give you what, $100,000 to 200,000 liability coverage right? Okay so, is that enough coverage if I do a million dollars in damage, or mess someone up in the hospital and their bill is 5 million? I am over 21 with my own package, but has the court ever gone after my relatives for the rest of the money?
http://www.lmgtfy.com/?q=damage+exce...lity+coverages
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