Insurance for RZR??

Marcel ATVline .

I have State Farm. $100 deductible on comprensive and collision. costs me $300 a year

Allstate covers everything for us, houses, cars, prooerty, ATVs, trailer...everything.

I have progressive.. never had a claim with them.. not sure what to say..I HOPE they are good!

My main insurance is USAA, they are WORLD CLASS.. but they don't cover ATV's.. they third party it to Progressive.. when I had my Harley stolen, USAA had a check to me in 10 days!

Progressive has my two covered

I have mine through nationwide 150.00 a year.

Check out the GEICO office in Kanawha City i have mine insured through them 188.00 a year full coverage. Keep on Mudding.

Thanks, guys!!

Progressive I have used them since 2003 on my quads & SXS's and I pay about 149.00 a yr on my RZR They paid off 2 Sportsman's in a 10 month period back in 03 & 04 so I have good service with them

I don't have mine insured (it's paid for) but I have thought about it. I'm sure the cost varies depending on the policy and what is actually covered, but does insurance usually cover anything other than theft or fire? Does insurance cover damage one might incur while riding?

Mine covers theft,accidents while driving,fire,If I'm in a accident while towing it to ride and it gets damaged etc etc it is the same as my car Ins.

Great Googly Moogly wrote:

I don't have mine insured (it's paid for) but I have thought about it. I'm sure the cost varies depending on the policy and what is actually covered, but does insurance usually cover anything other than theft or fire? Does insurance cover damage one might incur while riding?

Yep....if I crash mine it's covered

rayray wrote:

Great Googly Moogly wrote:

I don't have mine insured (it's paid for) but I have thought about it. I'm sure the cost varies depending on the policy and what is actually covered, but does insurance usually cover anything other than theft or fire? Does insurance cover damage one might incur while riding?

Yep....if I crash mine it's covered

Thanks! I should probably get some.

I would make money if I crashed mine!!!



Nationwide! $200.00 a year! Replacement Value plus $3500.00 accessories!

Bobby D wrote:

Mine covers theft,accidents while driving,fire,If I'm in a accident while towing it to ride and it gets damaged etc etc it is the same as my car Ins.

Thanks! I'll compare Progressive with State Farm (insures everything else for me) and get some - sounds like it is worth it.

I would say you are better off to just call up your ins agent that has the rest of your autos and add it on. I don't know how much mine is on the rzr without looking, but it's in the low teens per month. I have a $500 deductable, but it's replacement cost plus accesories. No need to pay for six months up front or anything like that. I got one bill each month for all 4 vehicles insured.



No matter how you go about it, just get it.

http://www1.sentry.com/DairylandInsurance/Default.aspx



i have dairyland with replacement cost and medical if me and passenger get hurt and 2000 accessories 450 a year. all other places was around 1000$ yr



they replaced my first rzr after i crashed it. paid me more for it than what i paid for it new + accessories. best money i ever spent one the rzr. would not leave the dealer without it much less hit the trails.

Great Googly Moogly wrote:

I don't have mine insured (it's paid for) but I have thought about it. I'm sure the cost varies depending on the policy and what is actually covered, but does insurance usually cover anything other than theft or fire? Does insurance cover damage one might incur while riding?

In WV...if you ride a UTV on a public road you have to be at least 16 years old with a valid drivers license and liability insurance...and have that orange triangle on the back of your utv...

Carolinarhino wrote:

I would make money if I crashed mine!!!



Nationwide! $200.00 a year! Replacement Value plus $3500.00 accessories!

I got nationwide...mine is 338.00 a year with a 500.00 dect. and 3500.00 worth of acc...I hope you don't have the minimum liability on that policy...who's your agent...

bubba53 wrote:

Great Googly Moogly wrote:

I don't have mine insured (it's paid for) but I have thought about it. I'm sure the cost varies depending on the policy and what is actually covered, but does insurance usually cover anything other than theft or fire? Does insurance cover damage one might incur while riding?

In WV...if you ride a UTV on a public road you have to be at least 16 years old with a valid drivers license and liability insurance...and have that orange triangle on the back of your utv...

Thanks, Bubba! I didn't know that, and as they say, ignorance of the law is no excuse. That settles it - getting insurance today!

Its better to have it and not need it than need it and not have it.

I have paid for it for years and still have not had a claim....knock on wood.

TBONE21 wrote:

Its better to have it and not need it than need it and not have it.

I have paid for it for years and still have not had a claim....knock on wood.

For sure! Plus, the last thing I need is to get into trouble with the loacal (WV) constables for something as stupid as riding on the road without the required insurance.

RZRCHICA wrote:

Hey Guys,



Give me some suggestions for insurance, please. Coverages, companies, etc.

Thanks in advance,

Leah

I asked the same question a few months ago, I wasnt worried about what happen to it by me driving, but the point about it being stolen, hit by someone else or your trailer blowing a tire while toeing it and it flips and grinds it to pieces made me call that day and get it... I have progressive through USAA and just added to my Motorcycle policy, $285 a yr, w/200 deductable.

Great Googly Moogly wrote:

TBONE21 wrote:

Its better to have it and not need it than need it and not have it.

I have paid for it for years and still have not had a claim....knock on wood.

For sure! Plus, the last thing I need is to get into trouble with the loacal (WV) constables for something as stupid as riding on the road without the required insurance.

Thats right! They wont mess with you unless your doing something stupid though. If they come after you and your in a Pooplaris then your screwed. If your in a Can Am you can just simply outrun his tail!

TBONE21 wrote:

Great Googly Moogly wrote:

TBONE21 wrote:

Its better to have it and not need it than need it and not have it.

I have paid for it for years and still have not had a claim....knock on wood.

For sure! Plus, the last thing I need is to get into trouble with the loacal (WV) constables for something as stupid as riding on the road without the required insurance.

Thats right! They wont mess with you unless your doing something stupid though. If they come after you and your in a Pooplaris then your screwed. If your in a Can Am you can just simply outrun his tail!

I caution you not to underestimate my propensity to do something stupid. I have a 2009 Teryx. I could outrun them until it overheats!

When I was at wv hot rod rhinos place we were on our way back and went down a 4 lane highway. Well there was a car in the slow lane I come up on so I decided to pass them. As I went by thy just stared. We were on our way back and once u get close to his place you have to go down that highway. It was a 60mph zone. That car was doing 65. I was doing 72 cruising so I just went on.

One time I went from Ashland to welch down 55 and was running about 80. We were in a hurry do get to welch to catch up with the group

I can see why you have insurance!

I dont act crazy when I am on the road! lol That night at Hot Rods I was freezing my butt off. I was in a hurry to get back.

That day headed to Welch I was in a hurry to catch up and I didnt really see any traffic on the road. So I opened her up a little bit. I have no idea how fast that Can Am will go. At Busco it got up to 85 before I lifted and ran out of room.

I figure 85 was fast enough for me on a WV Trail.

Usually I am just taking it easy and cruising! Every once in a while you need Warp drive though!