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Old 07-27-2012, 11:27 AM   #1
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Davidian's Avatar
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Joined: Feb 2012
From: Tukwila, WA

I Ride: 2007 Ninja 650R
Motorcycle insurance question
I recently got insurance for my bike through Progressive and for some reason when I went to finalize it, they found a ticket on my record that I was in the process of fighting, so that jacked my annual premium from $250 to $415. I told myself afterward I should have waited until AFTER I heard if my lawyer got the ticket dismissed (in which he did) to get insurance, but that was almost a month out and I wanted to ride, but am not stupid enough to hit the streets without insurance, so I just pulled the trigger. Anyway, my question is, do you think they'll re-evaluate my policy since the ticket will be dropped off my record? Has anyone else had to do this before? I'm going to wait a little, then check my driving record to make sure it is indeed off my record before I contact them, but I was just curious if anyone has ever had to do this before. Thanks guys (and girls)!

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Old 08-01-2012, 05:55 PM   #2
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jkatk3v's Avatar
 
Joined: May 2011
From: tri-cities wa

I Ride: 2011 KLR650, 2012 ZX14
My insurance company (good neighbor) says they evaluate my rate when my policy is up for renewal. I sign up for a year but pay monthly (auto-pay). My policy will renew next April and they will check my record then and adjust if needed. If you are just signing up they would check your record at that time and again when it renews. That is why the rate doesn't go up immediately when/if you get a ticket.

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Old 08-01-2012, 06:19 PM   #3
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Grankor's Avatar
 
Joined: Jun 2012
From: denial

I Ride: All the way there and back
“ Quote:
Originally Posted by Davidian View Post
I recently got insurance for my bike through Progressive and for some reason when I went to finalize it, they found a ticket on my record that I was in the process of fighting, so that jacked my annual premium from $250 to $415. I told myself afterward I should have waited until AFTER I heard if my lawyer got the ticket dismissed (in which he did) to get insurance, but that was almost a month out and I wanted to ride, but am not stupid enough to hit the streets without insurance, so I just pulled the trigger. Anyway, my question is, do you think they'll re-evaluate my policy since the ticket will be dropped off my record? Has anyone else had to do this before? I'm going to wait a little, then check my driving record to make sure it is indeed off my record before I contact them, but I was just curious if anyone has ever had to do this before. Thanks guys (and girls)!

Well, talk to some local insurance companies. My .02 on that, is if insurance is worth having, then get good insurance. I have American Family, and they are totally resonable...plus I can go visit my agent any time.

Anyways...Get some rates from other insurance companies, then go back to your insurance company with your findings and compare.

Or...if that's too much work, call up to cancel and tell them their rate is too high, and you had the ticket removed. They'll reduce it.

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Old 08-01-2012, 11:50 PM   #4
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Armand's Avatar
 
Joined: Apr 2008
From: Oregon

I Ride: Slow in the fast lane
“ Quote:
Originally Posted by Davidian View Post
I recently got insurance for my bike through Progressive and for some reason when I went to finalize it, they found a ticket on my record that I was in the process of fighting, so that jacked my annual premium from $250 to $415. I told myself afterward I should have waited until AFTER I heard if my lawyer got the ticket dismissed (in which he did) to get insurance, but that was almost a month out and I wanted to ride, but am not stupid enough to hit the streets without insurance, so I just pulled the trigger. Anyway, my question is, do you think they'll re-evaluate my policy since the ticket will be dropped off my record? Has anyone else had to do this before? I'm going to wait a little, then check my driving record to make sure it is indeed off my record before I contact them, but I was just curious if anyone has ever had to do this before. Thanks guys (and girls)!
I'm a bit confused. tickets arent supposed to show up on your record until you're found "guilty" that means that if you were fighting it in court, it shouldnt come up. or have things changed lately and I have no clue about it ?

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Old 08-02-2012, 01:33 AM   #5
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Joined: May 2012
From: Green, OR

I Ride: 73 CB500(wrecked, traded) 76 kz750, 82 kz1000(chopper project)
Progressive is famous for that....they reel you in with a cheap quote and then find a reason why they can't give you that rate after you have signed up hoping you will just keep paying what they tell you. talk to Santi...the official PNW insurance sponsor. I am in the process of switching to him from Gieko. Almost exactly the same rate and a MUCH better agent who understands bikes.

http://www.santi-insurance.com/

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Old 08-02-2012, 08:10 AM   #6
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Joined: Jun 2010
From: Hazel Dell, Wa

I Ride: 2000 Honda VFR800, 2008 Husqvarna TE-610
“ Quote:
Originally Posted by fastidiots View Post
Progressive is famous for that....they reel you in with a cheap quote and then find a reason why they can't give you that rate after you have signed up hoping you will just keep paying what they tell you. talk to Santi...the official PNW insurance sponsor. I am in the process of switching to him from Gieko. Almost exactly the same rate and a MUCH better agent who understands bikes.
Interesting....
I've been with Progressive for over 2 years now through USAA as a new rider. I think I get a fairly substantial discount because of that, to be honest. Although I keep trying Santi, he can't touch my rates. I even had an at fault rear-ender last year that I openly admitted to and they never raised my rates. I guess it all depends on voodoo, the cosmos, karma or whatever, whether one gets screwed over or not. I still HATE insurance co's though!

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Old 08-02-2012, 08:36 AM   #7
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Joined: Mar 2012
From: Bend, Oregon

I Ride: 2009 V-Strom DL650
From what you said you didn't go ahead with the insurance. So if you go back in they still need to recalculate and look at your record if the ticket is truly not there your in the clear if they try to go with there original quote then contest it and tell them you have proof that that ticket does not exist (make sure you have written proof). If that doesn't work then go with another company. I have Country insurance and i had an accident recently and had 10000 in medical bills 2600 in damage to the bike and i only paid 500 the deductible it was impressive.

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Old 08-02-2012, 09:17 AM   #8
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Joined: Aug 2012
From: oklahoma
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“ Quote:
Originally Posted by KONG7588 View Post
From what you said you didn't go ahead with the insurance. So if you go back in they still need to recalculate and look at your record if the ticket is truly not there your in the clear if they try to go with there original quote then contest it and tell them you have proof that that ticket does not exist (make sure you have written proof). If that doesn't work then go with another company. I have Country insurance and i had an accident recently and had 10000 in medical bills 2600 in damage to the bike and i only paid 500 the deductibl
It's a great advice. The insurance company will probably decide not to recalculate the insurance policy, if there is proof that the ticket does not exist.

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Old 08-02-2012, 03:41 PM   #9
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Joined: Feb 2012
From: Tukwila, WA

I Ride: 2007 Ninja 650R
“ Quote:
Originally Posted by Armand View Post
I'm a bit confused. tickets arent supposed to show up on your record until you're found "guilty" that means that if you were fighting it in court, it shouldnt come up. or have things changed lately and I have no clue about it ?
See that's what I thought, which was weird and confusing to me. My lawyer got the ticket dismissed, so it should have NEVER shown up....

“ Quote:
Originally Posted by KONG7588 View Post
From what you said you didn't go ahead with the insurance. So if you go back in they still need to recalculate and look at your record if the ticket is truly not there your in the clear if they try to go with there original quote then contest it and tell them you have proof that that ticket does not exist (make sure you have written proof). If that doesn't work then go with another company. I have Country insurance and i had an accident recently and had 10000 in medical bills 2600 in damage to the bike and i only paid 500 the deductible it was impressive.
No I went with Progressive, was just seeing if anyone has been in my situation before. I'm going to get my driving record on hand to prove it's off my record and then call them back to have them re-evaluate my rates.

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Old 08-02-2012, 03:46 PM   #10
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Joined: Aug 2007
From: Silverdale, Washington

I Ride: Yamaha R1 2006 yellow&black Suzuki TS250B 1977 Harley Davidson Night Train 2003 Suzuki TS125 1973 Kawasaki K1000 1980 Yamaha RZ350 1985 Yamaha FZR1000
Reevaluate insurance amount?
Switch to state farm, if its dropped off they will give you a much better rate. Staying with a company that knows about a speeding ticket will only ensure an increase later, maybe a lower rate now with the hope of keeping you
on only!

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Old 08-02-2012, 04:07 PM   #11
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Joined: Oct 2010
From: Renton WA

I Ride: to StarDuc's....
“ Quote:
Originally Posted by RODEHARD View Post
Switch to state farm, if its dropped off they will give you a much better rate. Staying with a company that knows about a speeding ticket will only ensure an increase later, maybe a lower rate now with the hope of keeping you
on only!
I just switched today to State Farm from Allstate. My premium went from $780/year to $439/year. I'm about to move my car and home insurance too (another $1,000 in annual savings.)

I've had my auto policy with Allstate for 17 years, and hadn't shopped around for about 3 years. Didn't realize I was getting jacked that bad. So much for treating a long time, loyal, claim-free customer so well.....

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Old 08-02-2012, 04:27 PM   #12
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Joined: Mar 2011
From: WA

I Ride: clean
“ Quote:
Originally Posted by scollins View Post
I just switched today to State Farm from Allstate. My premium went from $780/year to $439/year. I'm about to move my car and home insurance too (another $1,000 in annual savings.)

I've had my auto policy with Allstate for 17 years, and hadn't shopped around for about 3 years. Didn't realize I was getting jacked that bad. So much for treating a long time, loyal, claim-free customer so well.....
X2, State Farm is great. Also worth noting, their claims process is pain free.

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Old 08-02-2012, 05:39 PM   #13
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Joined: Oct 2005
From: Renton

I Ride: Something new every 1k miles.
“ Quote:
Originally Posted by scollins View Post
I just switched today to State Farm from Allstate. My premium went from $780/year to $439/year. I'm about to move my car and home insurance too (another $1,000 in annual savings.)

I've had my auto policy with Allstate for 17 years, and hadn't shopped around for about 3 years. Didn't realize I was getting jacked that bad. So much for treating a long time, loyal, claim-free customer so well.....
Agreed, on the low rates, just watch them...

I pay something like 425/year for the brand new 1199, so that's all gravy.. but our rates have NEVER gone down with them. We have no reports for 10 years (not all with SF), and our rates have gone up (sometimes ALOT) every single year.

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Old 09-17-2012, 11:59 AM   #14
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Spec's Avatar
 
Joined: Dec 2005
From: SE Portland, OR

I Ride: race-prepped '05 ZX6-R, '83 Yamaha XS400
“ Quote:
Originally Posted by Davidian View Post
I recently got insurance for my bike through Progressive and for some reason when I went to finalize it, they found a ticket on my record that I was in the process of fighting, so that jacked my annual premium from $250 to $415. I told myself afterward I should have waited until AFTER I heard if my lawyer got the ticket dismissed (in which he did) to get insurance, but that was almost a month out and I wanted to ride, but am not stupid enough to hit the streets without insurance, so I just pulled the trigger. Anyway, my question is, do you think they'll re-evaluate my policy since the ticket will be dropped off my record? Has anyone else had to do this before? I'm going to wait a little, then check my driving record to make sure it is indeed off my record before I contact them, but I was just curious if anyone has ever had to do this before. Thanks guys (and girls)!
Progressive will not reevaluate your policy until renewal. Most companies fall under the same note however if you have a good agent sometimes they can help. If you (as in anyone) goes with Progressive I highly advise they do so through an independent agent rather than directly through the company. You'll pay the same costs and have better representation.


“ Quote:
Originally Posted by fastidiots View Post
Progressive is famous for that....they reel you in with a cheap quote and then find a reason why they can't give you that rate after you have signed up hoping you will just keep paying what they tell you. talk to Santi...the official PNW insurance sponsor. I am in the process of switching to him from Gieko. Almost exactly the same rate and a MUCH better agent who understands bikes.

http://www.santi-insurance.com/
I like this guy Having a solid agent in your corner can provide not only the help you need but also the knowledge you don't have. My clients are constantly calling with these types of questions and we're always here to clarify your best options.

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