I don't plan to insure mine, since I only plan to use it around irrigation canals (at low speed) for now, which is hardly dangerous. Plus don't plan to lend it to anybody. On the other hand, it's an $8K+ machine. My motorcycle has full coverage, but it's a street machine, and twice as expensive. I have perfect driving record, by the way. Obviously, I'm new to this sport, if you can't tell. And I HATE insurance companies.

I'd like to hear comments from smarter people than me, which is pretty much everybody else <he he>.

If you have it insured, could you please mention your state, insurance company, premium, deductible, coverage (comprehensive, etc), and term (6-months, year)? I know it dramatically changes from state to state, and based on age, driving record, etc., but at least that would give us a basic idea. I don't think any of my currrent companies insure ATVs, so it'd have to be a 3rd company.

Thanks for contributing.

JC

 

i do for sure,just incase of theft... i also have libality incase someone gets hurt accidents do happen. if u go on trips definatly insure it

 

Progressive
MI

Bodily Injury, Property Damage & Guest Passenger coverage:
$20,000 person/$40,000 accident/$10,000 property damage

Uninsured Motorists Bodily Injury coverage:
No coverage

Medical Payments coverage:
$2,500/person

Medical Benefits coverage:
No coverage




Vehicle #1

Comprehensive coverage:
$250 Deductible


Collision coverage:
$250 Deductible


Roadside Assistance coverage:
No Coverage


Custom Parts and Equipment coverage:
No coverage


Vehicle #2

Comprehensive coverage:
$250 Deductible


Collision coverage:
$250 Deductible


For 2 quads $222 a year.

 

i'm 240 a year for my pred and a srami 500 4x4....w/ 4000 extra insurance on the pred and 250 deducts!! Shelter ins.

 

I pay $120/year for full coverage on my 04 raptor w/progressive

 

I insure with AllState for only 179$ a year ... thats cheap for my $7000+ machine ... I already had a payout on my last 2004 sportsman, i was only going about 10 to 15 miles per hour when i got knocked off and the machine when over a hill and hit a tree, it was totaled! IMO insurance is cheap and you never know when you'll need it.

 

ALLSTATE.
1 2005 sportsman 500
1 2005 scrambler 500
$ 250 a yr (each)
$100 deductible (each)
Las Vegas,NV

 

EL PASO AND NOT INSURED?!!! WAVE TO IT BYE BYE ON ITS WAY TO MEXICO ADIOS!



PROGRESSIVE INSURANCE RON BRAY AGENCY 918-258-4774 (GREEN COUNTRY HONDA SUZUKI)
$179
LIABILITY:10K EA PERSON/20K EA ACCIDENT $49
PROPERTY DAMAGE LIABILITY 10K EA ACCIDENT $0
COMPREHENSIVE $250 DEDUCTABLE $130
CUSTOM PARTS AND EQUIP. $1000 OR ACTUAL CASH VALUE $ FREE
TOTAL 12 MO. POLICY PREMIUM = $179
TULSA OKLAHOMA 2004 HONDA TRX 400EX

 

have any of you guys actually had to use the insurance when you totaled yours? and did the insurance company come out to have a look.

i have progressive 200$ a year in NY

250$ deductable, covers ALL aftermarket parts

liability/theft/collision

 

I had to use mine on the last sportsman (AllState).

All i had to do was take it to the dealer to get an repair quote and let the dealer fax it to the insurance adjuster ... they didn't come out.

But i will say i did take about 50 pictures of the damage and email them to the insurance adjuster.

I think taking all those pictures really helped in speeding the claim ... i got my check within 7 days.

A few of suggestions that my agent gave me after i called him ...

CALL ASAP, even if it's the weekend.
GET MEDICAL help if needed!!!
DON"T CLEAN the machine ... looks like you maybe covering something up.
GET IT TO YOUR DEALER ... makes them think you really care about getting it fixed, not just trying to scam.
If you can't get it to the dealer MAKE SURE it can't be damaged anymore ... leaving it out seams like you don't care about the machine.
PICTURES PICTURES PICTURES ... more the better ... and YES get some before it's all dirty and wreaked ... so you have an before and after.
DON"T DISASSEMBLE any damaged or good parts until the insurance has had their process followed.
GET ALL YOUR receipts together! ... the insurance adjuster wants to help you ... but he needs proof of costs to do his job.
GET ALL YOUR receipts together!!!!!! - everything from the orginal day one receipts to all the maintence costs, you want to show them you cared for your machine and followed all service scheduls.

The faster you can get the above to the insurance adjuster the easier it will be to get it fixed or totaled.