for past few days - I've been considering switching to big-name insurance company for more coverage and peace of mind (i hope). My current insurance is
Rider Insurance and I pay $202 a year.
This is what it entails -
-up to $40,000 for damage/theft to my bike
-liability limits for bodily injury in the amount of $15,000 each person, $30,000 each accident, and $5,000 for property damage
-rider accessory package: it will pay up to $8,000 in the event of loss, theft, damage or destruction to accessories, chromed parts and non-standard equipment resulting from an insured peril
-includes Roadside Assistance: towing up to 35 miles, battery jumpstart, emergency fuel, etc.
From Progressive for $227 a year, I get:
-bodily injury & property damage: $250,000/person, $500,000 accident, $100,000 property damage
-pedestrian personal injury protection: $250,000 with $250 deductible and 20% co-pay
-uninsured/underinsured motorist bodily injury: $50,000 person, $100,000 accident
-uninsured/underinsured motorist property damage: $5,000 with $500 deductible
-collision: $250 deductible
-comprehensive: $250 deductible
-up to $3,000 for accessory coverage
-roadside assistance plus Trip Interruption (they will cover all expenses if my bike broke down during long-distance travel)
see the big difference in terms of coverage and limit? It's a great peace of mind for me since I ride full-time and I live in a very litigious state. I can change any of these options to increase the premium or not. This is nice. I've heard some good reviews about Progressive. I urge you - if you are riding motorcycle a lot, please do not go for cheapest insurance you can get. Paying extra bucks for better insurance coverage will come a long way for you if shit happens.