How Does One Get a Progressive Motorcycle Insurance Quote?
Progressive is one of the nation’s leading insurance companies, and one of its hottest deals is motorcycle insurance. Getting a Progressive motorcycle insurance ought to be easy even for the first-time bike owner, but just to make things easier, here are a few tips on what to expect.
You can get a Progressive motorcycle insurance quote in two ways: Drive, or Direct. These are Progressive’s official call signs for quotes gotten via an agent (the old-fashioned way), and quotes gotten over the phone or via the Web (through their Web-based calculator, or their customer service representatives). You can get details on both if you log onto their official website for motorcycle insurance, motorcycle.progressive.com.
Note that both Drive and Direct quoting methods are available for their other insurance packages, not just the one for bikes. In case you have more than one type of vehicle you’d like to get quotes for, the Direct quoting method may well be the fastest and most convenient way to gather the information you need. Online Web calculators such as Direct make shopping for insurance faster and more convenient. Progressive also offers a homeowner discount, as well as another kind of discount for people who want to insure more than one motorcycle in a single go.
Basically the same coverage options are available for both Drive and Direct, but the premiums are different. The commission cost of the agent you’ll be consulting with will be figured into the quote for Drive, while the cost of maintaining a direct-sell center is figured into Direct.
Don’t be daunted by Direct: even for the not-so-tech savvy, answering the questions on Direct that would lead to a good quote is not a complicated process. You’ll be asked for the standard information that you can expect your agent will ask of you as well, should you choose Drive over Direct. Questions such as safety record, age, motorcycle type, and the amount of claims made against previous policies. Expect the same questions too should you choose the phone-in customer service option for Direct.
Some insurance companies may not make allowances for custom motorcycles – not so Progressive. It also admits bikes that are over 25 years old. But note that the Progressive motorcycle insurance policy does not cover all bikes. There are some very specific types of motorcycles that the company accommodates. You can view the list on Progressive’s official bike insurance website.
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Posted by American Car Insurance on August 27th, 2009 filed in motorcycle insurance | 9 Comments »
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August 27th, 2009 at 10:42 am
I don't know why? but they are! weird huh. My buddy is 36 and has been riding for a bunch of years and got his for like $110 a year! THAT'S CRAZY! He keeps telling me to switch I'm sure I will soon.
I assume because they are such a big Company that it makes it easier to give better quotes. kinda like, why sell a few policy's a day for $300 when they can 20 policy's for half that and still make big bucks! I don't know just my thought on it anyways.
August 27th, 2009 at 11:16 am
Yes , it's normal………..seems that high credit risks are associated with bad driving……….for the life of me, I don't understand their logic …..don't worry, it's done all the time…….
August 28th, 2009 at 1:29 am
you can find the cheapest insurance at websites like http://www.COMPAREusINSURANCE.com . . . hope this helps
August 28th, 2009 at 6:06 am
Help yourself – you can check your quotes in internet, for example here – autoinsurance.bebto.com
August 28th, 2009 at 11:39 pm
Hmmm…. Odd….
I did a quote on Progressive Insurance and I did a 600cc bike (so as every bike I thought I would get, ended up getting a 125cc and paid $200.00 for a year) and it basically said the same price and I'm 18 yo and a beginner… Around $300.00 but it would defiinitely go up if you are going to finalize the deal.
Factors are:
1.) Bike Condition (New, Used, Year, Salvaged, Mileage, History, Modification)
2.) Rider condition (Accidents, Tickets, Basically your history… more importantly the experience)
3.) Location (Northern part of US would be more cheaper than riding in Florida, California, Texas….)
4.) Type of Insurance (Full coverage, part coverage)
So you probably live in a place somewhere in the South with a bike that is pretty darn new. You might have a perfect record but that's a different story(would give you a small amount of discount).
August 29th, 2009 at 3:39 am
Your current insurance will not be informed that you are researching other insurance quotes and/or discover your speeding tickets from that process. Your insurance company will probably discover your speeding tickets about 60 days before your renewal (most insurance companies do this). If you are currently insured by a standard company, it is very likely that your insurance will be cancelled at that time or you will at least have a large rate increase.
In terms of some of the other comments regarding credit, neither of the comments are correct. Insurance companies pull what is called an insurance score which is a numerical formula based on your credit. However, it is not a credit report. The insurance company does not use this to determine if you are insurance "worthy" or to determine your payment plan. According to actuarial science the better insurance scores translate to the better risks and the more impaired scores translate into higher risk profiles. Stated another way–on average clients who have impaired insurance scores produce more claims. Therefore the insurance companies use the insurance scores as one of the factors (other factors would be your driving record, accident record, mileage, type of car, etc.) that allow them to adequately price the risk to produce a profit.
I hope this helps. Good Luck!
August 29th, 2009 at 10:24 pm
I pay $125/ yr. for my 2006 Sportster 883
August 30th, 2009 at 6:27 pm
Seems simple to me…you have a ticket on your record and you've had a stolen bike claim.
August 30th, 2009 at 7:22 pm
Get the policy with Geico in force FIRST…. call & set it up & pay the down payment…
THEN call Progressive & see what they need to cancel – possibly a signature – but more $ will not be necessary