Thanks for all the responses everybody [img]i/expressions/face-icon-small-cool.gif[/img]

I checked Progressive, they quoted me $212/ year with a $500 deductible. Then I checked with State Farm who I have auto and life insurance with and they quoted me $183 / year for the same. I didn't realize it would be so cheap to insure! $15 a month is definitely worth it! It would SUCK to be making payments for 5 years on something you don't even have anymore if it gets stolen! I have to get my ATV back from the shop (working on that stupid brake light switch) now so the insurance agent can take photos of it, etc.

 

i insured my 96 warrior for $140 a year full coverage with 300 deductible and i am19 years old

 

yamhawarrior, what is the declared value of your policy stating? 140 dollars for a 9 year old quad seems alittle high. Looking up the blue book value I see it is worth about 2400 dollars. At the value I would think any amount of damage would be considered totaled to most insurance compaines.

I am curious what the declared value is. AlaskaBoy.

 

Insurance on my ATV? Absolutly, I never ride without my Kimber 1911 Custom II! [img]i/expressions/face-icon-small-smile.gif[/img]

 

I had to pull out the paperwork to check this...

We added both our cats to the Allstate insurance we have on our cars and house. We pay $445 for $100 deductible on damage. This includes the trailer as well. Plus we also have medical.

You can't even walk to the store without insurance these days!

 

has anyone every had to use there insurance.

 

Yeah, last time my buddy and I went camping/riding at the local off-road park...there was a sign posted for a reward. Apparently, one night while everyone was sleeping (no riding is allowed there after dark) somebody rolled a Honda 450 racing quad away and the owner woke up the next morning and it was gone. That's what got me thinking here recently about getting some insurance. It would suck if someone rolled your quad away while you were asleep and you still owed $4500 on it.

 

Tell your homeowners insurance agent that you use it for strictly yard maintinance. I use my Sp600 to plow snow and mow lawn (seriously, I do) and is covered in my "contents" part of my policy under "lawnmower". But only because it's for yard maintinance.

That would at least cover it for theft and fire.

 

I have a nice heavy vinyl coated steel cable and Heavy duty pad lock that I secure mine with every night when out in the woods or leave it while hunting or fishing or at home in the garage even. I learned long ago that some people will steal your toys because they are to lazy to earn their own. My kid(some kid, 19 years old but she is the baby) has learned from dad's example, when she bought her dirt bike she also bought a cable and lock.

Bear

 

you better check on that homeowners coverage
it may be covered while at that residence--
you drive it off your property and i believe it would
not be covered,

just my 2 cents
pie1