I do not have insurance on my ATV's now and would like some.
What are you guys using? And Price?

I have read where is theft occurs some pay blue book and some pay replacement.

Any information you can give will help me.

Thanks all,

 

Progressive and I think I'm paying like $140 a year for full coverage on a 05 Sportsman 800 with a multi bike discount.

 

I pay 200.00 a year for 2 2005 800 Sportsman.....Progressive also....im in Virginia

 

What about theft with Progressive?
Do they pay blue book or replacment?

 

wow, you guys have some awesome rates. I've never had good luck with progressive. I just switched companies and got down to $1700 for 4 quads. part of the problem is my million dollar umbrella. I have to keep a minimum on liability. I also have a perfect record. I have insurance up to my you know what. I shop it carefully. What are your deductibles? Are you covered if it's stolen or it falls off your trailer and what do they give you? I'm not trying to nit pick, but are you all really covered if something happens? Your medical at work might be better than a $500 deductible and only $1,000 worth of coverage. I would seriously look at what you are paying for and what you are getting.

 

This is what Progressive quoted me at $388.00 a year



2005 POLARIS OTHER SPORT ATV MODEL NOT LISTED ABOVE
2003 POLARIS SPORTSMAN 500 H.O.
2000 POLARIS SPORTSMAN 500

Coverages
General Coverages

Bodiy Injury, Property Damage $25,000 person/$50,000 accident/$10,000 property damage $35.00
Uninsured Motorists Coverage No coverage $0.00
Medical Payments Coverage $5,000/person $114.00
Uninsured Motorists Property Damage Coverage No coverage $0.00

2005 POLARIS OTHER SPORT ATV MODEL NOT LISTED ABOVE

Comprehensive Coverage $250 Deductible $78.00
Collision Coverage $250 Deductible $58.00
Roadside Assistance Coverage No coverage $0.00
Custom Parts and Equipment Coverage $1,000 $0.00

2003 POLARIS SPORTSMAN 500 H.O.

Comprehensive Coverage $250 Deductible $34.00
Collision Coverage $250 Deductible $25.00
Roadside Assistance Coverage No coverage $0.00
Custom Parts and Equipment Coverage $1,000 $0.00

2000 POLARIS SPORTSMAN 500

Comprehensive Coverage $250 Deductible $24.00
Collision Coverage $250 Deductible $20.00
Roadside Assistance Coverage No coverage $0.00
Custom Parts and Equipment Coverage $1,000 $0.00


Fee Information

Filing fee $0.00

 

dslksl, i'm not trying to be an insurance agent. you have no uninsured motorists, somebody hits you, your screwed, if they don't have insurance. I am surprised at the custom parts coverage. That's awesome. Almost to good to be true. Do they want receipts? To be honest, yes, you have coverage. It isn't alot by todays standards. $5000 medical in an emergency room and ambulance ride might cover a broken leg(just a guess). My wife's ride was $800 and $2000 emergency room for a "check up".

 

i keep looking at your quotes. comprehensive, AKA, fire and theft. You pay a $78 deductible for $250 coverage? So if your quad is stolen, you end up with $172? OK, tell me I'm stupid.

 

Note: I have no insurance as of now that was just a quote.

I do have realy good heath insurance through my work. As far as uninsured motorists goes...I bet 98% of ATV owners do not have insurance. I not worried about my driving habits as much as some hitting me steeling it or rollong down the mountain.

I am open for any and all information before I by.


Thanks

 

forum info, $0
good luck, $0
g'nite, priceless