What's your old machine worth?

The thread about the insurance got me looking at my policy line by line, comparing it to others. When it came to the "Actual Cost" I was left wondering what the insurance company considers the actual cost if stolen. Allstate bases that cost on kelley blue book value so we looked the value up. A 2008 rzr has a kbb value of $5,500....

I was surprised at the kbb value and what ppl are selling them for.

http://www.kbb.com/motorcycle/trade-in/2008/polaris/ranger-rzr/232697/?r=851912714934053500

Are you sure thats not trade in value?.......KBB list my 2007 660 Rhino Base Model retail at 7,195 for excellent condition......trade in was 4,965

I looked it up.....KBB lists 2008 RZR trade in as 5,650 or something..Retail is 8,050

wvbill wrote:

Are you sure thats not trade in value?.......KBB list my 2007 660 Rhino Base Model retail at 7,195 for excellent condition......trade in was 4,965

Bill ... you know that's apples to oranges ... Rhino's hold they're value longer.

RHarrah, check the value on nada, this is what most insurance co. use

my 2009le was low 7800 high 9600

gives you a high and low average price.

state farm uses replacement cost. my ktm was a year old and the gave me list price on a new one. but, i had pics and every receipt for everything i put on it.

RHarrah wrote:

The thread about the insurance got me looking at my policy line by line, comparing it to others. When it came to the "Actual Cost" I was left wondering what the insurance company considers the actual cost if stolen. Allstate bases that cost on kelley blue book value so we looked the value up. A 2008 rzr has a kbb value of $5,500....

I was surprised at the kbb value and what ppl are selling them for.

http://www.kbb.com/motorcycle/trade-in/2008/polaris/ranger-rzr/232697/?r=851912714934053500

Thats the next thiing im worried about

the resale is deff higher than the blue book lol. thats why i ended up buying a brand newone.

everybody wanted 11k+ for a year or 2 old one.


i have a very secure place to lock mine up but im still prolly gona put some kind of policy on it.

whats everybody insure theres for?

jbeane wrote:

the resale is deff higher than the blue book lol. thats why i ended up buying a brand newone.

everybody wanted 11k+ for a year or 2 old one.


i have a very secure place to lock mine up but im still prolly gona put some kind of policy on it.

whats everybody insure theres for?

Check out this thread on SxS insurance and you will probably find your answers.

https://wvsxsriders.forumotion.com/t6535-side-by-side-insurance

jbeane wrote:

the resale is deff higher than the blue book lol. thats why i ended up buying a brand newone.

everybody wanted 11k+ for a year or 2 old one.


i have a very secure place to lock mine up but im still prolly gona put some kind of policy on it.

whats everybody insure theres for?

I have replacement cost...

bubba53 wrote:

I have replacement cost...[/quote]

Which insurance company offers replacement and not actual cost?

RHarrah wrote:

bubba53 wrote:

I have replacement cost...

Which insurance company offers replacement and not actual cost?[/quote] Thats a good question....

Some do and some don't.

I thought replacement cost was the best...

bubba53 wrote:

I thought replacement cost was the best...

Replacement cost - replaces the unit with a new machine in case of a total lose

Actual cost - pays you the book value of the machine in case of a total lose


I have not found an insurance company yet that offers replacement cost....

RHarrah wrote:

bubba53 wrote:

I thought replacement cost was the best...

Replacement cost - replaces the unit with a new machine in case of a total lose

Actual cost - pays you the book value of the machine in case of a total lose


I have not found an insurance company yet that offers replacement cost....

So they pay retail value....

yes if u have the coverage