Welcome,
Guest
. Please
login
or
register
.
Did you miss your
activation email?
1 Hour
1 Day
1 Week
1 Month
Forever
Login with username, password and session length
Home
Help
Search
Calendar
Login
Register
ATV Florida Forum
>
General
>
Open Discussion
>
All Atv owners should read! Important Atv insurance info!
Pages: [
1
]
2
All
Go Down
« previous
next »
Print
Author
Topic: All Atv owners should read! Important Atv insurance info! (Read 10545 times)
batman
Full Member
Offline
Location: Miami
Posts: 115
"To the BatCave"
All Atv owners should read! Important Atv insurance info!
«
on:
May 03, 2007, 09:03:23 PM »
****5-7-07 UPDATE, JUST GOT MY BILL FROM STATE FARM, IT SEEMS THEY MADE A MISTAKE, MY PREMIUM IS NOT $99.00, IT'S ACTUALLY $348.00, HOWEVER, MY ORIGINAL ADVISE REMAINS THE SAME, INSURE YOUR BIKES!**
Hello all, ****READ MY ADDITIONAL POST, (SEVERAL POSTS DOWN) ABOUT SPORT QUADS****
Just thought I would share some important info. I just bought a new Can-Am outlander Max, a $9,000.00 ATV. Any idea how much it cost me to insure it with full coverage?
Only $99.00 a year with my local state farm agent! If you own an atv, you really should consider getting insurance! I was quoted 325.00 from Geico and Progressive (you can get a quote online). But I currently have state farm and only paid $99.00 with them.
This coverage include a $250.00 deductible if lost, stolen, damaged, vandalized, etc.. (EVEN HURRICANE DAMAGE) and $20,000 if you hit someone and $25,000 for property damage. The point is that many of you may not realize how inexpensive it is to insure your expensive atv's. Think about how much are expensive toys cost and then think about what a small price to pay for this valuable coverage and peace of mind.
That's it, that's my 2 cents. I am not an insurance salesmen, I just thought all of you should be informed.
Have fun, stay safe.
The Batman
«
Last Edit: May 07, 2007, 11:21:04 PM by batman
»
Logged
Ida_Mann
Supreme Member
Offline
Location: There may be times when we are powerless to prevent injustice, but there must never be a time when we fail to protest.
Posts: 5908
I own and wear a purple sombrero
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #1 on:
May 03, 2007, 09:11:42 PM »
I know there are others out there, but a big name like State Farm seems good to me,,,,especially at that price.
Id@
Logged
Id@ M@nn
www.facebook.com/IdaShotMe
'99 Honda 400EX ATP'd (quietly making noise)
'02 Honda Foreman Rubicon
'00 Honda TRX90
8 X 20 Enclosed hauler/camper
"Show me a smooth operation and I'll show you someone who is hiding mistakes, real boats rock."
digginfool
Supreme Member
Offline
Location: South Florida
Posts: 2560
Finally! ATVFlorida.com is here!
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #2 on:
May 03, 2007, 10:02:14 PM »
State Farm does provide cheap insurance, however, the rate depends on the age of the quad and what the price was new (they will ask for the value of the quad - tell them what it was new or you may find yourself under-insured. State Farm will stand firm if they determine you under-insured your loss). I have all of my quads insured with State Farm. The rates do vary considerably. However, it is easy peace-of-mind. I had a total loss on my 2003 Waverunner this past summer and they paid full insured amount. My agent told me they do the same thing with quads.
Logged
"Peace is that brief glorious moment in history when everybody stands around reloading". --Thomas Jefferson
"When plunder becomes a way of life for a group of men living together in society, they create for themselves ... a legal system that authorizes it and a moral code that glorifies it."
Chuck_Norris
Guest
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #3 on:
May 03, 2007, 10:08:09 PM »
I have mine through progressive, it is inexspensive through them as well
Logged
chevy57harley79
Junior Member
Offline
Posts: 25
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #4 on:
May 04, 2007, 09:27:18 AM »
I have state farm insurance on my 1986 250r three wheeler. It costs me $100 a year and it is insured for $3000.
Logged
tallyt
Junior Member
Offline
Location: sumter county
Posts: 59
Finally! ATVFlorida.com is here!
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #5 on:
May 04, 2007, 10:00:21 AM »
I just called geico for a quote on my 05 grizzly and my sons 06 grizzly 80
and they dont insure anything under 150cc. and for the same coverage as
what batman has will cost me 143.00 per year. is this good or bad?
Logged
JackL
Supreme Member
Offline
Location: Davie
Posts: 2822
A enemy generally says and believes what he wishes
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #6 on:
May 04, 2007, 10:47:33 AM »
Thanks for posting this.
Logged
The only rules that really matter are these: what a man can do and what a man can’t do.
kawGIRL
is a Florida Mud Rider
Supreme Member
Offline
Location: N. Palm Beach, FL
Posts: 2495
GOT GROG?
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #7 on:
May 04, 2007, 11:10:03 AM »
We pay about 93.00 per bike a year with Progressive Direct
ONLINE
If you call a local Progressive agent it's about 900.00 a year
We have had them for about 3 years now.
www.progressivedirect.com
Logged
07 Rhino
www.floridamudriders.com
Bigscrb15
Supreme Member
Offline
Location: Port Charlotte FL
Posts: 2886
I'm a Florida Mud Rider
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #8 on:
May 04, 2007, 11:12:05 AM »
Quote from: kawGIRL on May 04, 2007, 11:10:03 AM
We pay about 93.00 per bike a year with Progressive Direct
ONLINE
If you call a local Progressive agent it's about 900.00 a year
We have had them for about 3 years now.
www.progressivedirect.com
they must have typed something in wrong at the local place. my quote was the same from both places. we pay more than that though because of age.
Logged
"When once you have tasted flight, you will forever walk the earth with your eyes turned skyward, for there you have been, and there you will always long to return."
kawGIRL
is a Florida Mud Rider
Supreme Member
Offline
Location: N. Palm Beach, FL
Posts: 2495
GOT GROG?
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #9 on:
May 04, 2007, 11:13:19 AM »
Ltl' PUNK
Logged
07 Rhino
www.floridamudriders.com
TRX450R_Racer
Retired Racer
Supreme Member
Offline
Location: West Palm Beach
Posts: 4171
**** Frank **** **FF&J Racing**
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #10 on:
May 04, 2007, 11:25:56 AM »
I have Progressive also. They insure my trucks, street bike & ATV. I pay $274 a years for my 2004 TRX450R. The reason it is so high is I pay for extra coverage to cover some of the aftermarket parts. For that price I'm covered for the valve of the quad, plus $5000 to cover some of the aftermarket parts.
Logged
Member of South East Florida Trail Riders
Life's to short, wear a helmet.
Dress for the crash, not for the ride.
Ripped off by Brandon George.
Kaw3604x4 Princess
Full Member
Offline
Posts: 151
www.promiseacres.com
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #11 on:
May 04, 2007, 12:57:31 PM »
We have Progressive and the rates seemed reasonable.
Logged
Live your life in such a way that when your feet
hit the floor in the morning, Satan shudders &
says...
`Oh sh*t....she's awake!!`
tallyt
Junior Member
Offline
Location: sumter county
Posts: 59
Finally! ATVFlorida.com is here!
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #12 on:
May 04, 2007, 01:42:35 PM »
yeah geico asked if i had any accessories on the grizzly, i told them it had a winch
and aftermarket tires and wheels, and they said that they dont cover accessories on atvs at this time. maybe i should go with progessive and pay a little more???
Logged
qt314nfla
Guest
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #13 on:
May 04, 2007, 01:52:15 PM »
Thanks for the reminder. I've got mine w/ progressive but I need to up my coverage.
Logged
TRX450R_Racer
Retired Racer
Supreme Member
Offline
Location: West Palm Beach
Posts: 4171
**** Frank **** **FF&J Racing**
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #14 on:
May 04, 2007, 01:54:25 PM »
Quote from: tallyt on May 04, 2007, 01:42:35 PM
yeah geico asked if i had any accessories on the grizzly, i told them it had a winch
and aftermarket tires and wheels, and they said that they dont cover accessories on atvs at this time. maybe i should go with progessive and pay a little more???
Progressive doesn't cover tires for some reason. They will cover the rims though.
Logged
Member of South East Florida Trail Riders
Life's to short, wear a helmet.
Dress for the crash, not for the ride.
Ripped off by Brandon George.
SWAMP_DONKEY
Guest
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #15 on:
May 04, 2007, 01:59:40 PM »
Quote from: kawGIRL on May 04, 2007, 11:10:03 AM
We pay about 93.00 per bike a year with Progressive Direct
ONLINE
If you call a local Progressive agent it's about 900.00 a year
We have had them for about 3 years now.
www.progressivedirect.com
WOW...I just did it and 621.00 per year.
Logged
qt314nfla
Guest
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #16 on:
May 04, 2007, 02:02:42 PM »
I just called progressive and they have told me that they will not insure my quad for the cost to replace. They will only cover it based on the NADA value of a used bike. I'm up for renewal soon. Need a company that will insure the bike for what I've put into it. Let me know if there's a company that will do this. Thanks.
Logged
qt314nfla
Guest
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #17 on:
May 04, 2007, 02:06:56 PM »
Quote from: chevy57harley79 on May 04, 2007, 09:27:18 AM
I have state farm insurance on my 1986 250r three wheeler. It costs me $100 a year and it is insured for $3000.
Send me a PM on how you got them to insure for that. Thanks.
Logged
VForcedave
Supreme Member
Offline
Location: None of your Business
Posts: 920
V TWIN FOR THE WIN.
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #18 on:
May 04, 2007, 02:14:35 PM »
Statefarm has my KFX700 as well. I was more concerned about theft. Some Crack Monkeys made at run at it one night and were scared off.
Logged
2004 Kaw Vforce 700 twin. Mine
2005 Honda Rancher 350 Kev Mans
2002 Yamaha 80 Raptor Kev Mans
2000 Jeep Wrangler 4" lift, 33's, winched
1988 Harley FXRP Dropped and chopped
2003 Chevy Duramax 100+K and still cruising. 18mpg.
batman
Full Member
Offline
Location: Miami
Posts: 115
"To the BatCave"
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #19 on:
May 04, 2007, 08:37:37 PM »
Sorry guys, forgot to mention. Sport ATV's are going to be more expensive to insure. They figure that utility atv's are used for trail riding and sport ATV's are used for hotdogging (what else would you use them for?)
Type of bike, age of rider, how many and age of riders, previous accidents, etc...
All these things will factor into the price. I do remember when I was getting my quote that Progressive did cover some of the upgrades (I think it was 1,000 worth)
I saw that someone posted that they would only give you NADA value. In my book, that's better than nothing! The point is, if the coverage is reasonable, spend the extra $ and insure it!
"The Batman"
Logged
Bigscrb15
Supreme Member
Offline
Location: Port Charlotte FL
Posts: 2886
I'm a Florida Mud Rider
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #20 on:
May 04, 2007, 08:46:32 PM »
statefarm will only cover atv if you have auto or home with them.
Logged
"When once you have tasted flight, you will forever walk the earth with your eyes turned skyward, for there you have been, and there you will always long to return."
FoxHondaRider
Supreme Member
Offline
Location: North of Tampa
Posts: 705
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #21 on:
May 05, 2007, 09:56:03 AM »
I have insurance on my 400ex with progressive. my neighbor thats a state farm agent said that they wont cover ATVs but this was maybe 2 years ago. now I guess they do cover ATVs.
Logged
2004 Honda 400EX
If you can beat me i'll tell you whats done
dirtycruiser
Full Member
Offline
Location: Ft Myers, Florida
Posts: 139
Life is one long weekend!
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #22 on:
May 05, 2007, 12:03:09 PM »
I insured my Outlander 800 max ltd with progressive and a week later , 5 hours on it only, I squashed the front section of the frame. Cost me $149.00 a year for coverage and I got a brand new frame, and a few other parts. F----ing shocks and springs are crap. I had them install the one piece stiffer springs in place of the sissy ones that came with it. It cost me $250 deductable and another $120 for the new springs. Parts and install.
Logged
2009 Renegade 800r X
2007 Outlander 800 Max LTD
27" Mudlite XTR's on ITP 14" SS212, SS106 rims
Precision Racing Steering Stabilizer
Dobeck Gen 3 electronics
BRP HD front springs
Warn XT 30 winch
HMF Exhaust pipe
Dalton Pro Clutch
Ricochet Skids
K & N filter
Insurance
miassmaro98
Full Member
Offline
Location: HIALEAH
Posts: 170
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #23 on:
May 05, 2007, 12:32:41 PM »
when i pay off my down payment loan i will insured my wolverine with someone for atleast 7200.00 dollars including the extra parts i have
Logged
2006 wolverine 450 4x4
25 maxxis mudbugs
2k lb winch
----OFF ROAD DIESEL (RED)FOR SALE 3.50 A GALLON----
Honda328i
Supreme Member
Offline
Location: Hampton Roads, VA
Posts: 1417
I do my own stunts
Re: All Atv owners should read! Important Atv insurance info!
«
Reply #24 on:
May 05, 2007, 10:26:33 PM »
I first approached State Farm to insure my quads in 2004 and they wrote me a policy for $100 a year. One month later they came back and cancelled the policy, said they could not insure it properly and made a mistake with the policy?
I have had 3 different homes with State Farm and they have always taken care of me, but for some reason they bombed out on the ATV's. I now use Markel American ATV insurance: atv-line.com
Logged
http://i5.photobucket.com/albums/y162/Chuck_Norris/WANNARIDE.jpg
Pages: [
1
]
2
All
Go Up
Print
« previous
next »
Jump to:
Please select a destination:
-----------------------------
Classifieds
-----------------------------
=> For Sale / Wanted
-----------------------------
General
-----------------------------
=> Open Discussion
=> Group Rides & Events
=> Where to Ride?
=> Photo Gallery & Videos
=> Tech Corner
=> Racing Scene
=> Product and Services Reviews
=> ATV Activist
Loading...