what the hell am I doing wrong. I am getting quotes from atvline.com and polaristar for like 540/year. I see people quoting 100/year. Why am I being quoted so high?

 

Hi, I just bought a new bruin 350 4x4 and put on comprehension ins which covers fire and theft from state farm for $50.08 a year. Wish you luck on yours.

 

Online Insurance companies charge you to protect themselves. READ THE FINE PRINT.... Friend insured his ATV and it was stolen and the company he was insured with provided::: replacement cost less depreciation
less a deductable.... He ended up with a pay off that was only 60 percent of the real value. Add -ons need to be listed ( big foot tire set, racks, winches, etc... ) or they will not cover....

 

HomeOwners vs. seperate policy. My agent told me that if the quad is used only on property covered by my HomeOwners then it is covered with same limits as my home and same liability limits as my self thru HomeOwners. If it is stolen from my property, property damage etc. If used off my private property, they will add it to my home & auto policies as a rider. Total cost for all three bikes was about $125.00 per year with Shelter. That includes the bikes anywhere used in my 1,000,000 liability umbrella, Comp and Coll ded are at ACV less $250.00. This is Shelter of Missouri in the state of Missouri.

If you do not have homeowners and auto with Shelter, they say it is still only around $100.00 or so a year with ProgressiveDirect.com.

Hope this helps!

 

I have everything insured through State Farm. I went to State Farms website and they said nothing about ATV insurance. Do they offer it? I thought I read that other people used State Farm to insure their ATV.

 

I got a quote from Markel(atvline.com) for $125/yr with a $500 deductible for my 03 Sportsman 600. To me it makes sense that they wouldn't cover the depreciated amount. It's just like if you totalled a used car. An insurance company wouldn't give you the amount to buy a new one. I guess the issue would be how they determine what the value is.

 

Shelter uses a merge process, they look in NADA, Kelly Blue Book and get three prices from dealers. They toss out highest and lowest and average the three that are left. They give you the dealer's names and phone numbers, and all 5 prices. That is as fair as possible!

 

Hi, I have mine with state farm. Go and talk with a agent, they will be more than glad to sell you a policy.

 

state farm and progressive don't insure in the state of nj for atv's

 

For everyone who thinks their Insurance on their home covers the Quad...Check again in most states if it is not a Farm Tax Exempt they WILL NOT COVER many say they will but you better have it in writing. It will cost extra in most cases when I had it lost or stolen it ran about $125 a year I suggest if you have one that is being paid for threw a bank get insured if it's over 3K as well it would be worth it. I had one stolen in 1988 insured and they run you threw the ringer the police and insurance! Be careful! Check with your insurance agent and get it in writing...