Started with SF in the 70's. Switched to GEICO when I entered the Marines. Slightly cheaper and could do payroll deduct. (Sometimes I was sent to places that made mailing payment difficult.)
Switched back to SF in the Early/Mid 80's when I got married. Some fellow Marines were have trouble getting claims completed/settled w/ GEICO.
SF always gave best rest where ever I was home based. In the 90's after I left Active Duty I stayed w/ SF. Moved back to TX in 2000. SF in TX is a Lloyds. It was explained to me as a way to change rates without State Insurance Commission input. (IDK if this is true) Rates were much higher than any other state I had SF in. The important thing was I could get home owners insurance. At that time TX was difficult to get home owners insurance due to all of the MOLD claims folks were filing.
When I left active duty I needed to get my license in the state I was living. I surrendered my TXDL and did not get that states Motorcycle Endorsement. When I returned to TX I did not get the endorsement immediately.
I eventually took a MSF Motorcycle Safety Course and got my motorcycle endorsement again. Purchased a motorcycle and went to add it to my SF accounts.
They would not write a policy because I had my endorsement less than 1 yr. I gave them my old TXDL # so they could see that I had previously had a TX motorcycle endorsement for 20+ yrs. No dice. Hmmm
Went with an Independent Agent who set me up with Dairyland. Good policy and very fair rate.
Switched to Progressive after 5 yrs. OK rates and coverage. Never have had a motorcycle claim in my life.
After I had my license for 1 yr SF agents staff tried to talk wife into adding my motorcycle to the policy. She got a quote first and called me. The quote for six months was more than my annual with Dairyland and later when I was looking a Progressive the SF quotes were still more for 6 months than the others 1 yr quote.
I have had my current bike for 7 yrs and 100k miles with no claims, tickets, or accidents, etc and that is one area SF cannot compete in.
RV, Home, cars, trucks, and additional riders with SF and rates are reasonable for TX. I believe that SF is just wary of the risk with motorcycles in TX. I can understand with the traffic, the way people drive here, and the ability to ride year around here increases the odds of a claim.
My RV insurance coverage is excellent. Even includes any of my property within a 25 ft radius of my RV.
