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When I shopped for insurance last year, I was told that the two primary factors in setting the rate are (1) the bike (it's history and propensity for being crashed, stolen, and/or vandalized) and (2) the company's interest in writing policies to that particular bike or class of bikes. The RIDER's driving record and history came in a distant third.

Allstate was famous for giving out very high quotes several years back. It was their way of not writing motorcycle policies without having to bluntly say to their (car and/or home) policyholders that they wouldn't write a bike policy.

Anyway, I was a very happy Markel customer, but they don't write policies in NC. I'm currently with Foremost and they've been fine, although I've not had to "use" them. I also had no complaints with Progressive, but they certainly wanted to rape me on rates for the Sprint ST.
 

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You might try finding an insurance broker. I just got rate quotes for the soon to be mine 2004 Tiger I pick up this weekend :hihi:

The quotes were $1400 from Geico, $1000 for Progressive, $360 from Cotton States, and $380 or so from two other insurance companies that an insurance broker found me. Quite a range!! An insurance agent friend told me that Cotton States is buying business and that they're a fine company to use.
 

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Mine is currently with Progressive. I did the online quote thing with the gecko dudes and it was about the same.
I've never taken the MSF since I've been riding for 30+ years.
But I am going to take it with my wife when she does to get
her license for some support. And I think I'll probably even learn something! Besides, it should help lower the insurance
premiums even more...

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