PDA

View Full Version : Snowmobile Insurance


JMT
09-27-2005, 08:44 AM
Morning all,
Just bought a snowmobile and was wondering who you guys with sleds insure yours through. Got a quote from Progressive that seemed pretty steep, but don't know where else to check. Any suggestions would be appreciated. Thanks!

Flatwaterfooter
09-27-2005, 12:38 PM
Have mine through All State. Calla round a lot of places quote it real high.

SOMEDAY SOON
09-27-2005, 01:30 PM
I have mine through farmers. call around ....

erkoehler
09-27-2005, 03:46 PM
Had mine through Foremost.....

tommcat
09-27-2005, 07:51 PM
Had mine through Foremost.....i used foremost last year because VT started making insurance mandatory. mine was a little under 500 bucks a year.
now my entire riding group will be avoiding VT this year and saving a boat load of money and VT will be losing it.

erkoehler
09-27-2005, 07:57 PM
You don't insure your snowmobile?

tommcat
09-27-2005, 07:59 PM
You don't insure your snowmobile?
nope, it's not required in NH or maine where i ride. most of the people in new england dont have insurance

erkoehler
09-27-2005, 08:00 PM
So, if you are in an accident or total your sled.....you know how much that is gonna cost you? I found out the hard way :mad:

tommcat
09-27-2005, 08:15 PM
i dont even know what it would cost me for collision insurance. the 500 i was paying last year was for liability only, and that was with a 1000 dollar deductible.
if i rode a smaller sled it wouldnt be as bad but i'm on a 900 and they want all the money in the world. most MA insurance companies wont even insure a sled over 600cc

Flatwaterfooter
09-27-2005, 08:34 PM
I am at about $150 for jsut liability on an MXZ 800. You need to check around a little and get your cost down. i have to check with my home owners, With my new policy the insurance guy mentioned to my wife that the sled would be covered. I took it as if it was taken out of the garage and she thinks it is covered more then that. Seems strange but worth a call once the snow flys

erkoehler
09-27-2005, 08:35 PM
It costs me approx. $500 FOR full coverage on my F7.

tommcat
09-27-2005, 09:16 PM
It costs me approx. $500 FOR full coverage on my F7.
if i could get it for that price i would have it no matter where i ride or if it was required.
my homeowners will insure them but only up to a 600cc, they refuse to do anything for mine.

Flatwaterfooter
09-27-2005, 09:30 PM
if i could get it for that price i would have it no matter where i ride or if it was required.
my homeowners will insure them but only up to a 600cc, they refuse to do anything for mine.

Thats why I have to check with my home owners I sure when my wife was asked what I had for a sled she said "black I think" WHere do you ride in NH

milkmania
09-27-2005, 09:33 PM
well, I gotta ask for the Oklahoma, Texas, Louisiana, & Florida folks.....

what's a snowmobile for:confused:

:purplaugh

Flatwaterfooter
09-27-2005, 09:44 PM
well, I gotta ask for the Oklahoma, Texas, Louisiana, & Florida folks.....

what's a snowmobile for:confused:

:purplaugh

For those guys I would guess an anchor

tommcat
09-27-2005, 10:17 PM
Thats why I have to check with my home owners I sure when my wife was asked what I had for a sled she said "black I think" WHere do you ride in NH
we ride in pittsburg

tommcat
09-27-2005, 10:19 PM
For those guys I would guess an anchornot necessarily. i have a video of a guy barefooting behind a sled in the summer. :toast:

Workin' 4 Toys
09-28-2005, 12:25 AM
Morning all,
Just bought a snowmobile and was wondering who you guys with sleds insure yours through. Got a quote from Progressive that seemed pretty steep, but don't know where else to check. Any suggestions would be appreciated. Thanks!
American Family insurance. They cover both my sleds. Look into an umbrella poliy too if you have a bunch of toys.

erkoehler
09-28-2005, 05:15 AM
well, I gotta ask for the Oklahoma, Texas, Louisiana, & Florida folks.....

what's a snowmobile for:confused:

:purplaugh

I use it for an excuse to hang out with the guys and visit the various "happy places" along the trails! :D

Flatwaterfooter
09-28-2005, 09:25 AM
not necessarily. i have a video of a guy barefooting behind a sled in the summer. :toast:

I would like to see that video and then try it.

tommcat
09-28-2005, 10:47 AM
I would like to see that video and then try it.
i'll have to see if i can find it online

Datdude
09-28-2005, 02:55 PM
I have Allied insurance and my 2004 Rev Renegade X 800 is only $175 for the year. I have my house, car, truck, sleds, 4 wheeler, wife's jewelry, and anything else you can think of with them-Great company to deal with. When I killed a deer with my snowmobile last Winter I had a check for the damage in about 4 days

erkoehler
09-28-2005, 04:32 PM
I have got to find cheaper insurance! Maybe it will start to go down now that I am 21....

JMT
09-28-2005, 07:57 PM
Thanks for all of the suggestions. Am starting to get a few more quotes in. $175 with Allied?? Wow. our house is with them, but when we called the agent who wrote that policy, they came back with the Progressive quote. So far, Foremost seems to be the cheapest.

Workin' 4 Toys
10-06-2005, 12:39 AM
what's a snowmobile for:confused:

:purplaugh
adrenaline rush....:D

erkoehler
10-31-2005, 12:55 AM
I have got to find cheaper insurance! Maybe it will start to go down now that I am 21....


Just changed my insurance to Met life auto & home. Saving about 8 hundred a year just on snowmobile insurance and 300 on my auto. :D :D

bigmac
10-31-2005, 10:29 AM
My snowmobile insurance was with my auto carrier - Austin Mutual. It was reasonable with my Viper (700cc's), but would have gone through the roof if I'd stuck with them for my Vector (1000cc's). It's stupid because the sleds are close in weight and have about the same horsepower, but the stupid insurance company decides only based on displacement, and naturally a 4 stroke needs more displacement than a 2-stroke to perform the same. With 5 autos insured to the max with them, I would have thought the underwriter would have given me a little more rhythm. I was mad enough to drop them altogether over the stupid snowmobile issue, but with two kids age 20 and 21 still on my policy I found that they gave me by far the best deal so I was stuck.

My insurance agent does a lot of shopping for me. My cars, motorcycles, snowmobiles and boats are all insured with different insurance carriers.

Erk, it varies from company to company, but I don't think age 21 is going to get you anything. IIRC, age 25 is the first price break.

Workin' 4 Toys
10-31-2005, 11:02 PM
Just changed my insurance to Met life auto & home. Saving about 8 hundred a year just on snowmobile insurance and 300 on my auto. :D :D
SAVED $800?!?!?!:confused: Holy smoke. That ins agent was making some SERIOUS commisions off you. WOW.
Sounds like a cheesy insurance co. commercial.:)

jlf
11-02-2005, 09:17 AM
Insurance through American Family, we pay about 150 a year full coverage on 04 F7 and about 130 a year on a '01 ZL600

erkoehler
11-02-2005, 12:51 PM
SAVED $800?!?!?!:confused: Holy smoke. That ins agent was making some SERIOUS commisions off you. WOW.
Sounds like a cheesy insurance co. commercial.:)


I had Farmers insurance, and it sucked!! F7=800 a year ZL=500 a year. Now, both a under 300 a year.