Side by side insurance

Does anybody else here have Liability coverage. I have it as part of my insurance on my machine. It costs me less than $400 a year for full coverage on my XP.

Yes I do. I figured it's a must.

had full coverage for years on all atvs and utvs less than a $100.00 each per year

Good lord.

How do u guys get that??? Both of my sxs's cost 500 to 600 a year with full coverage. I have never had any claims and no wrecks or tickets in my driving. I called progressive and geico complaining about people saying their insurance and they tell me those numbers don't exist.

How in the heck do u guys have that??

I have full coverage on everything I own. The Rhino is around $150 per year and the Rzr is at $280 but thats with high limits on coverage.

Tolliver check out http://markelinsuresfun.com/home You are getting hosed!

Right now its 573 a year for both. High limits coverage and fully covered on everything.

This insurance has had me steamed for years but u can't afford not to have it.

When I called progressive and told them people had insurance on a rzr for 100 a year full coverage, the underwriter came over the phone and said it don't exist and it's impossible.
I'll call them Daryl. This is the only thing thy has me going. Once a year with me it's a battle I have with the insurance companies.

Markel will NOT be $100 a year but it will be cheaper than what you are paying now.

I would say age makes a difference TBONE. My buddy Jedster that is picking up his new XP 900 on Monday said his insurance is $119.00 a year for it.

119 a year for a new xp?? Let's see the premium bill.

You are right on age. Underwriter said location and age makes a diff too.

Every year I have to switch companies due to increases. It's the biggest mess.

A bit of History.

In the past you could buy fire and theft insurance for your ATV/SxS for less than $100 per year.

Insurance laws have changed so that ATV's/SxS's now fall into the same category as any other motor vehicle. I got a letter from Nationwide a few months ago telling me that the coverage I have on my Renegade will no longer be available and they will automatically switch it over to the new motor vehicle type policy.

Therefore, the least amount of coverage that you can purchase is Liability, and then it goes up from there.

On both Geico and Progressive's web sites, you can spec out a policy for your specific machine, then pick and choose the different levels of coverage, and see what the price difference is.

Liability only costs somewhere between $75-$150 per year depending on your vehicle.

T-Bone it sounds like you are getting a pretty good deal for full coverage on two vehicles. Like you said, it's based on age, location, and the cost of the vehicle.

Check out the Geico and Progressive sites and you can see what they offer for the different levels of coverage.

Something to note. Progressive is the only company that I found that has a separate option for the level of accessory coverage. There may be others, but I didn't run across any other provider that had this option.

Progressive also lets you choose how you would like to pay, i.e. monthly, 6-payments, 2-payments, or lump sum, and it's cheaper the fewer payments you make.

I did a lot of research before I purchased insurance on the XP and Progressive seemed like the best bang for the buck.

[quote="TBONE21"]119 a year for a new xp?? Let's see the premium bill.

You are right on age. Underwriter said location and age makes a diff too.

Every year I have to switch companies due to increases. It's the biggest mess.

[/quote


Don't worry T-Bone when you GROW UP the price will come down!!!!!

I pay $199.00 a year on the FO-FIDDY! My agent said I had to take out a special policy on it since it was becoming a antique!!!

Mine is underwritten by Nationwide! Full replacement and $3500.OO for acces!

handymancanfixit wrote:

A bit of History.

In the past you could buy fire and theft insurance for your ATV/SxS for less than $100 per year.

Insurance laws have changed so that ATV's/SxS's now fall into the same category as any other motor vehicle. I got a letter from Nationwide a few months ago telling me that the coverage I have on my Renegade will no longer be available and they will automatically switch it over to the new motor vehicle type policy.

Therefore, the least amount of coverage that you can purchase is Liability, and then it goes up from there.

On both Geico and Progressive's web sites, you can spec out a policy for your specific machine, then pick and choose the different levels of coverage, and see what the price difference is.

Liability only costs somewhere between $75-$150 per year depending on your vehicle.

T-Bone it sounds like you are getting a pretty good deal for full coverage on two vehicles. Like you said, it's based on age, location, and the cost of the vehicle.

Check out the Geico and Progressive sites and you can see what they offer for the different levels of coverage.

Something to note. Progressive is the only company that I found that has a separate option for the level of accessory coverage. There may be others, but I didn't run across any other provider that had this option.

Progressive also lets you choose how you would like to pay, i.e. monthly, 6-payments, 2-payments, or lump sum, and it's cheaper the fewer payments you make.

I did a lot of research before I purchased insurance on the XP and Progressive seemed like the best bang for the buck.

handymancanfixit wrote:

A bit of History.

In the past you could buy fire and theft insurance for your ATV/SxS for less than $100 per year.

Insurance laws have changed so that ATV's/SxS's now fall into the same category as any other motor vehicle. I got a letter from Nationwide a few months ago telling me that the coverage I have on my Renegade will no longer be available and they will automatically switch it over to the new motor vehicle type policy.

Therefore, the least amount of coverage that you can purchase is Liability, and then it goes up from there.

On both Geico and Progressive's web sites, you can spec out a policy for your specific machine, then pick and choose the different levels of coverage, and see what the price difference is.

Liability only costs somewhere between $75-$150 per year depending on your vehicle.

T-Bone it sounds like you are getting a pretty good deal for full coverage on two vehicles. Like you said, it's based on age, location, and the cost of the vehicle.

Check out the Geico and Progressive sites and you can see what they offer for the different levels of coverage.

Something to note. Progressive is the only company that I found that has a separate option for the level of accessory coverage. There may be others, but I didn't run across any other provider that had this option.

Progressive also lets you choose how you would like to pay, i.e. monthly, 6-payments, 2-payments, or lump sum, and it's cheaper the fewer payments you make.

I did a lot of research before I purchased insurance on the XP and Progressive seemed like the best bang for the buck.

Well every year when the renewal comes up the price goes up. Progressive is who I am with now. Last year it was Geico. I sorta dread it but if I just pay the renewal and ignor it they are going to kill me.
I knew those 100 a year full coverage was b.s. My insurance agent even went to investigating on it.
Its unfortunate that the insurance costs are so high a year but gosh we cannot afford not to have it. It will be nice to have it when you need it.

TBONE21 wrote:

Last time I was on wagon wheel road a fat dude in a white suit and white Cadillac was chasin me. I just outran his tail

sounds like boss hog!!! did he have bull horns on front?

yep he sure did!

getting off topic in this thread.....

I am paying $250 per year through Allstate. I got a quote from http://markelinsuresfun.com/home out of curiosity. It came in @ $150 with $5,000 of accessories on the machine, $500 deductible and me having a $5,000 claim on mine last year....

Ill start a new topic for this insurance stuff.

How about this?? This ought to help.

Mine is with Progressive and it cost me $122.57 a year. BIL$25,000each person/$50,000 each accident Property damage liability$10,000each accident. $500 deductiable. $3000accessory coverage. I save $14.19 for paying for a year at a time.

I have all of my insurance with progressive and have been with them for about 10 years. I got the snap shot thing on my truck and car and it droped them 30% and they are still watching them. It might go down evan more. At least I hope so. I doubt that haveing a CDL helps, but my motorcycle endorsement might help a bit with the RZR.

i pay monthly because i insure :
2005 ram
2010 wrangler
3 harleys
2011 enclosed trailer
2010 grizzly
2012 rzr s
next bill i'll post what the rzr s runs me a month.

I have my Motorcycle (C-50) and rzr through progressive (via USAA so I get military discount) and I pay $280/yr with a $100 deductible and that is full coverage.

I HAVE INSURANCE THRU STATE FARM ON BOTH RZR'S AND HAVE FULL COVERAGE WITH A $250 DEDUCTIABLE ON THEM FOR $25 EACH A MONTH. HAVE ALWAY HAD COVERAGE ON MY ATV-SXS THRU THEM THEY HAVE NEVER QUESTIONED ANY CLAIM'S I HAVE HAD

1964 OLD LADY

mine is 2 yrs newer

I may have missed it, but does anyone have claim experience with Gieco, Progressive, Merkal? Everything thing I own is covered by State Farm, but UTV's are too expensive. Claim service was been great with a boat wreck.

I have nationwide and it's 325.00 a year for full coverage with 500.00 deductable on collison and full replacement on the rzr... I also have the 3000.00 acc. package.

Bobby D wrote:

I would say age makes a difference TBONE. My buddy Jedster that is picking up his new XP 900 on Monday said his insurance is $119.00 a year for it.

They also go by your credit score....low score...high premium....

My credit is very strong. That ain't it

100 a year. Naw I don't buy it

HEY ELMOELOD WANT TO TRADE OLE LADY'S. I HAD TO USE MY STATE FARM INS WHEN (FATMAN) ROLLED HIS 2004 SPORTSMAN 500 DIDN'T HAVE A PROBLEM AND INS DIDN'T GO UP EITHER. HAD A GUY THAT WAS HAULING HIS RZR-S ON TRAILER AND HAD A ACCIDENT HE WAS ONLY VEHICLE INVOLVED AND THE RZR-S CAME OFF TRAILER IT TOTALED IT WAS ONLY ABOUT 45 DAY OLD . HE HAD GEICO INS AND HAD FULL COVERAGE HE CAME TO SHOP TODAY AND SAID THEY STILL TRYING TO WIGGLE OUT OF PAY IT OFF BUT HAVE DONE SENT A JUNK YARD TO PICK IT UP BECAUSE THEY ARE SAYING IT LOOSES VALUE JUST LIKE A REGULAR VEHICLE AND ONLY WANT TO PAY WHAT IT WOULD COST TO FIX IT EVEN THOUGH IT IS TOTALED.