I've had Geico for some years now, cars and bikes so multi policy discount. My FJR was costing me just under $275/yr, and good rate in the cars as well with other discounts. at one point I had two bikes insured for less than $500.I had a very slow-speed fall-over when I first got my bike, and Progressive paid off very well for me too. The covered every piece that had even the most minor scratch and didn't quibble at all with the shop's estimate.
Then, the next year my rate went up something like 30% as I remember. I called and was told it was because I'd made a claim. I pointed out that I'd been insuring bikes for 45 years at that point and this was my first claim ever and I figured I was probably still among the best risks they could insure. They said there was nothing they could do.
I shopped around and went to Geico on both bikes, and it was within pennies of being the same rate Progressive had charged before the claim.
I'm not trying to be negative, but it'd be interesting if you could check back when it's time to renew and let us know what happens.
Nope. NY and NJ both require helmets and insurance for all riders regardless of age.(snip)
As I remember - Fla motorcycle insurance goes like this (but it's been a while since I read up on it):
Under 21, must have insurance and helmet and a special mc lic plate indicating that so its easy for LEO to spot. It's red print and states "under 21“ at the bottom.
Over 21, insurance or medical coverage proof is mandatory if you ride without a helmet, and you get a reg mc lic plate.
Past that age group (over 21) - if no helmet = mandatory motocycle insurance or med coverage; w/helmet = motorcycle insurance optional, but must have medical insurance.
If this similar to other states?