[dannyg40]

I know its been posted before asking about Foremost Ins. but its an old Topic from 06' and nobody had any claims with them at that time. but Im picking up the 1500 on Friday and the insurance is really crazy.

Full coverage

State Farm $686 a year ( I have them for my house and van and they are high for the bike )

Foremost Ins $519 same actually better coverage
Progressive $550 same coverage as Foremost Ins.

I had State farm for 23 years and they are killing me. All the same coverages.
Confusing to me is....

Progressive said I could save $80 if I drop the "Medical Payments". If I have insurance at work they will cover me. Foremost said Medical Payments of $1000 only affect the price of insurance by $18 with them. Different companies have much different prices ith the Medical Benefits Coverage.

State Farm confused me though. They said.........

I need Medical Payments cause that covers the passenger on the bike. Progressive & Foremost told me Passengers are covered under the "Limits of Liability" if the get hurt in an accident. Medical covers me but if I have good Medical at work I dont need it on the policy. A guy I work with told me about a friend he knew got inot a bike accident and had insurance at work but somehow got screwed when he totaled his bike in an accident cause he didnt have "Medical Payments" on his policy. He couldnt remember exactly what happened, but he remembered he went through hell because of it.

Them prices are for 25/50 limits of liability. Goin to higher limits would drive me to over $1000, way out of my league for buying the bike ! No wonder I dont see to many bikes out this year here in Chicago. Insurance has really got out of hand !

So anyway.... any input on who might be better ? Progressive or Foremost ?
And any idea about the truth concerning the Medical Payments.........

Thanks