ATV Florida Forum

I called to get insurance on my ride and found out that it was well under $300.00 a YEAR for it ;D. Plus it covers theft, collision and liabilty! I figure $218.00 a year for my pride and joy is better than $6000.00. I got mine insured through State Farm in Davie. Just thought you should now!!

i'ma call today.....thanxs for the heads uP! ;D

We have ours thru Progressive covers 2 Polaris 500's for $213 per year and some trimmings...
helps to be older than dirt

We pay $1100/year for 2 Suzuki Vinson 500's, but we have full coverage with very high coverages.

dont have anything yet so i am probably going to look around

1100 a year Thats crazy

I pay 136 for 1 kodiak and 1 bruin both 04

You should try Progressive and thats full coverage (like a car) with 100 ded

that is progressive, but we have their highest policies and also coverages for up to like $10,000 in other equipment on the bike(winches, boxes, mods, etc.) and also, im only 21 so that doesnt help much

My 04 450R is coverd for the replacemnet value of the quad plus $4000 worth of extras for $274 a year.

Your right I'm sure allot has to do with age,but you should think about changing some of your coverage,hell how in the world could you have $10,000 in mods and if you did they would never pay you if something happened, and if you do you better have replacement and all of the receipts because you are going to have one tough battle trying to get them to pay.
Just my opinion but you could buy a ton of mods for what you are paying for coverage  Jerry

if you cant prove what non OEM/aftermarket parts you had on your  atv. it wont be paid for....  FYI same goes for your car/truck.....

I must be doing something wrong, because my quote from progressive and some other company for the yfz and sportrax 250 was around $1,600.  I really want insurance, but i don't want to pay more than a couple hundred per year.  no way i'm paying what i was quoted.

YEAH SOUNDS LIKE YOU DID.... UNLESS YOUR DRIVING HISTORY IS HORRIABLE! MAHE SURE YOU HAVE THE RIGHT BIKE, AND CC SIZE... WHAT COVERAGES DID YOU SELECT?
OR JUST CALL THEM AND HAVE THEM LOOK AT THE QUOTE

1800-288-6776

Strange. I was quoted like $200 something a year from Progressive. I am fixing to start looking again, because my bike is getting closer to being finished. The covereage include all of the modifications and everything  ;D I am also 21.... not sure why all the different quotes.

Driving history is perfect.  Nothing on either record.  I'll have to look at the coverages, I think I maxed out on all the coverages.  What coverages should I get?  Any insurance agents online here that want to give me a quote?

We I checked Progressive they only had GAP insurance and it was about $75 a year.

iM AN INSURANCE AGENT FOR PROG, BUT CANT GIVE YOU A QUOTE AS IT IS A CONFLICT OF INTESTEST. THE COVERAGES MIGHT BE PART OF THE PROBLEM.


SKY,  THIS IS WHY NO 2 RATES ARE THE SAME.
THIS IS JUST SOME OF THEM..

AGE
MARRIED?
ZIP CODE
SEX
COVERAGES
VALUE
CREDIT SCORE
DRIVING HISTORY
CC SIZE
STYLE OF BIKE
DISCOUNTS.... ITS BETTER TO INSURE ALL YOUR BIKES ON ONE POLICY!

IM SURE THERE IS MORE, THIS IS JUST OFF THE TOP OF MY HEAD...

O.k., just re-ran a quote.  ages 38 and 33, perfect driving record, $10k Bodily injury/ $20k/accident, $10K property damage, $250 deductible.  Cost is $733 per year.  better than the last time i ran it, but i dropped the coverages significantly from the last quote.

still seems crazy to me.

ME TOO, WHATS YOUR ZIP..

I'm not sure why the quote is different from the last time.. even though I used the same information (weird). Anyway, it came out to be $299.00 a year. That included $10,000 property damage, $20,000 accident, $10,000 Injury, Theft ($250 deductible), $5,000 custom parts/equipment coverage (May need to up that though, lol).

THAT WOULD BE WEIRD, BUT IF EVERYTHING WAS THE SAME AND THERE WAS NO RATE REVISION (CHANGE IN RATES) FROMT THE FIRST TIME YOU DID A QUOTE AND THE SECOND TIME. THEN IT WOULD HAVE BEEN THE SAME..

THAT WOULD BE WEIRD, BUT IF EVERYTHING WAS THE SAME AND THERE WAS NO RATE REVISION (CHANGE IN RATES) FROMT THE FIRST TIME YOU DID A QUOTE AND THE SECOND TIME. THEN IT WOULD HAVE BEEN THE SAME..

I expected the rate to change.  I'm comparing to a quote I ran 4 or 5 months ago, plus this time I reduced my coverages.  I just find it odd that most people seem to be paying a couple hundred per year, and my quote was significantly higher.  While $733 is a lot cheaper than buying new quads if stolen, still a lot of money.  My zip is 33325

Im guessing thats why, southern florida has the hightest rates in the state!

Miami being number 1 in the state for all companys.
generaly speaking, the further south you go (in fl) the higher rates.
compare it to Bronx, Ny and  Inthesticks, OH.

Now you MAY be thinking "well ill use a different zip and get a lower rate".
Alot of people do this and when they need to file a claim.
And the Insurance company finds out they used a differnt zip (and they will, they look for this) they will deny the claim, cancel your policy, and keep all the money you have paid in.. this is called rate jumping, and its insurance fraud.....  its happens to alot of people....

Keep checking around rates very greatly from company to company...

I figured it was the zip.  I just noticed PureLogic is in Davie, I may have to try his agent.

Im thinking about getting it.

Wow I am really surprised at what some of you all are writing. :o Is it sport bikes? Are they monsters? I have a Kodiak 2003 400 and a 2005 Bruin 350 both 4 wheel drive. The Kodiak was 218 the bruin came out a little higher for obvious reasons. Are yall insuring multiple bikes? What about your current provider can they give you a quote? And technically I live in Hollywood 33021.

Its all about age and sex. I am 21, my brother is 25 and my mom is in her 40's.

Progressive Insurance in

My Name               = $1100/year for 2 quads
My Brothers name = $750/year for 2 quads
My Moms name      = $225/year for 2 quads


all with the same coverages. Both quads are in my name right now so I think that will be changing tomorrow, lol.

Age ,credit history, and driving record

we all have a clean history and I dont let them look at credit because I think its crap that if you have better credit than someone you get better insurance rate. They should ONLY look how you drive, I do think they should look at credit though if you want to make payments, but if you want to pay upfront, credit should not be an issue

I agree but it has alot of weight on rates even when paying cash

I have State Farm for my cars and my home, but when it comes to my wheelers, no way.  Way to expensive.  I called Progressive and I can get full coverage on my wheeler for $150.00/year.  I think that's a deal.

FTI... 99.9% of the insurane companys run some sort of credit inquiry, even if you dont give them you ss# they will still pull it. it takes about 5seconds so you would never know they have done it. and for the .1% that doesnt, you might want to make sure that have the means to pay your claim if need be. :-\

If your going to put all your bikes one 1 policy, make sure everyone lives in the same household.

A note about how insurance companys pay claims.
As many of you guys know im an insurane agent. so im going to give you a little free advise.

A ton of people think a little "white" lie wont hurt the insurance company so people will less than truthful on thier policys.
Heres why most companys dont pay claims.
1: Misrepresentation, that means you didnt tell the complete truth when entering information on the computer or when your insurance agent asked you. this means, giving a false zip code, saying you like with your folks when you dont, having someone else take out a policy on your bike (mom/dad). if you have a doubt the information you give is wrong.... be prepared..... insurance companys investigate all claims for misrep and fraud. they dont want to pay claims... if  you lie... you broke the contract (read it)... so now they dont have to pay you... insurance agents are good at catching people in lies, the investigators are even better at it.....