ATV Florida Forum

****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

I know there are others out there, but a big name like State Farm seems good to me,,,,especially at that price.

Id@

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.

I have mine through progressive, it is inexspensive through them as well

I have state farm insurance on my 1986 250r three wheeler.  It costs me $100 a year and it is insured for $3000.   

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?

Thanks for posting this.

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 :o

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.

Ltl' PUNK :o

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.

We have Progressive and the rates seemed reasonable.

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???

Thanks for the reminder.  I've got mine w/ progressive but I need to up my coverage.

Progressive doesn't cover tires for some reason. They will cover the rims though.

  WOW...I just did it and 621.00 per year. :o

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.

Send me a PM on how you got them to insure for that.  Thanks.

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.

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"

statefarm will only cover atv if you have auto or home with them.

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.

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.

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

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

I got mine from Geico. I believe they cover $500 in accessories as well.

05 TRX450r     
Rate                 $219.69 (a year)
Bodily Injury Liability         10,000/20,000
Property Damage Liability      10,000
Comprehensive Deductible      $500