I need motorcycle insurance which is difficult as it’s a homebuilt trike…  So I can not register it online because it doesn’t fit in the catagories…  I have to call in.  I call in and immediately tell the gal that it is a homebuilt trike and she says … oh you need underwriters … so I’m sent to the underwriters who make we wait to talk to them…  same thing homebuilt trike okay will you hold for a minute… will 10 mins later I have to leave for work. so I give the phone to my husband who is the champion wait-guy… who waits another 15 mins until a man answers and says can I help you and the old guy says… talkin’ to woman who said she would be right back and he’s put on hold for another 10 mins… before he hangs up…. Wish I had thought to find this website earlier so I hadn’t wasted my time…

My premium was $602 for 6 months. Just before the 6 month mark, they increased my rate to $975! Calculate the percentage. That’s over 50%!!! Granted they answered the phone fairly quickly w/o me having to wait on the phone for more than a couple minutes, they told me there was an overall California rate hike that affected everyone! Everyone? I’m not so sure.

After checking all the competitors, I unfortunately found esurance to still be cheaper. I’m still a member but I’m hating that their price increases were so dramatic and happened so quickly.

If you’re not in a hurry to get an insurance policy, look up a quote, wait a few days and let them get back to you with something cheaper. That’s what one of their employees recommended me to do.