ATV Insurance

AmericanRobster · November 27, 2007, 10:28:20 PM

I know that there is a thread about this somewhere.....

I am looking to switch to Geico because I can remember reading that people are paying about $100 a year for insurance on thier atvs. I was wondering if they went througth an insurance broker or just bought the policy online or over the phone.

Thanks,
Rob

TRX470r · November 28, 2007, 01:04:08 AM

I have mine through Geico and I pay 206 a year (south Florida) Humm if your getting a quote for 100 a year i may need to shop around.

2005 HONDA TRX450R
Coverage      Limit      Deductible    Premium
BODILY INJURY LIABILITY    $10,000/$20,000    N/A      $20.00
PROPERTY DAMAGE LIABILITY $10,000      N/A      $14.00
UNINSURED MOTORIST - STACKED    REJ      N/A      $N/A
COMPREHENSIVE      N/A      $500 DED. $172.00
     Cycle Total: $206.00
     Total Premium: $206.00

Hoosier Daddy · November 28, 2007, 06:07:43 AM

Well. Miami has the highest rates in all of FL....
So that may be why your rates are a little higher.

lswjth2 · November 28, 2007, 07:39:28 AM

Also try progresisve. I pay $165 a year for an 06 Rhino, an 01 Polaris 500 and a 99 Polaris 335 in Naples.

yunt2ride · November 28, 2007, 08:41:44 AM

I have progressive on two of mine, They are right at $120 each for a year. I got it through my farm bureau agent.

r6realtor · November 28, 2007, 11:05:38 AM

I went with Gieco and I have full coverage on both the 07 rhino and 08 grizzly $260 for both a year. THe only thing that stinks is they do not cover add ons, tire,wheels, etc. so I have a ton of money in add on crap and that would all be lost, but I guess getting something back if it's stolen is better than getting nothing back.

caospop · November 28, 2007, 05:14:54 PM

Try foremost. they are a branch of AIG.

digginfool · November 28, 2007, 07:28:41 PM

You might want to try State Farm as well. I thought their rates were quite good. I don't have my policies in front of me (I own 7 atvs right now) but will post more info later.

TRX470r · November 28, 2007, 09:00:43 PM

Ia there an company out there that covers aftermarket accessories? and also the trailer? I also have a lot invested as well.

TRX450R_Racer · November 28, 2007, 09:12:20 PM

Progressive covers aftermarket parts. I pay an extra $35 for every $1000 worth of coverage.

caospop · November 29, 2007, 08:08:39 PM

Quote from: TRX470r on November 28, 2007, 09:00:43 PM
Ia there an company out there that covers aftermarket accessories? and also the trailer? I also have a lot invested as well.

Foremost covers about $1000.00
BTW there number is 1-800-237-2060

i pay 48.37 a month,.

yunt2ride · November 30, 2007, 08:24:56 AM

Quote from: caospop on November 29, 2007, 08:08:39 PM
Quote from: TRX470r on November 28, 2007, 09:00:43 PM
Ia there an company out there that covers aftermarket accessories? and also the trailer? I also have a lot invested as well.
Foremost covers about $1000.00
BTW there number is 1-800-237-2060

i pay 48.37 a month,.

Is that $48.37 a month or a year. How many quads do you have on that policy. If its a month then you may want to check out a cheaper policy.

caospop · November 30, 2007, 11:52:30 AM

The reason its a little higher is cuz of my credit.

yunt2ride · November 30, 2007, 11:56:27 AM

Quote from: caospop on November 30, 2007, 11:52:30 AM
The reason its a little higher is cuz of my credit.

You still should check with another company. Progressive makes you pay for a full year at one time but mine was only $240 a year for two quads. Check with geico also.

TRX450R_Racer · November 30, 2007, 11:58:51 AM

I pay $274 a year. It covers my quad plus $5000 for aftermarket parts. That's a good start if it gets stolen.

AmericanRobster · November 30, 2007, 12:21:06 PM

my policy covers my trailer too. It went from 40 a month down to 32 a month. I think that this rate is a little high though. I'm trying to save some money.

AmericanRobster · December 12, 2007, 04:26:55 PM

Ok, I'm 22 years old, my credit is good. I think the $32 a month for insurance on an ATV is a little pricey. What is a good price to pay for a utility atv with no after market parts, plus cover the trailer? Any help would be great.

TRX450R_Racer · December 12, 2007, 04:36:28 PM

Quote from: AmericanRobster on December 12, 2007, 04:26:55 PM
Ok, I'm 22 years old, my credit is good. I think the $32 a month for insurance on an ATV is a little pricey. What is a good price to pay for a utility atv with no after market parts, plus cover the trailer? Any help would be great.

Being under 25 years old is probably why it is so high.

AmericanRobster · December 12, 2007, 05:09:26 PM

Quote from: TRX450R_Racer on December 12, 2007, 04:36:28 PM
Quote from: AmericanRobster on December 12, 2007, 04:26:55 PM
Ok, I'm 22 years old, my credit is good. I think the $32 a month for insurance on an ATV is a little pricey. What is a good price to pay for a utility atv with no after market parts, plus cover the trailer? Any help would be great.

Being under 25 years old is probably why it is so high.

I can understand that for a car, but for an ATV that gets used every now and then that is kinda pricey.

Ok, If I am pulling my trailer on the highway with my atv on it and it slips off the hitch of my truck, does my car insurance cover that?

GrlNextDoor · December 12, 2007, 08:27:53 PM

No, your car insurance would not cover the damage done to your ATV in that situation.

GrlNextDoor · December 12, 2007, 08:30:37 PM

Quote from: AmericanRobster on December 12, 2007, 04:26:55 PM
Ok, I'm 22 years old, my credit is good. I think the $32 a month for insurance on an ATV is a little pricey. What is a good price to pay for a utility atv with no after market parts, plus cover the trailer? Any help would be great.

If you have Un/Underinsured motorist coverage, that could be driving your rates up too.

AmericanRobster · December 12, 2007, 08:46:02 PM

Quote from: GrlNextDoor on December 12, 2007, 08:30:37 PM
Quote from: AmericanRobster on December 12, 2007, 04:26:55 PM
Ok, I'm 22 years old, my credit is good. I think the $32 a month for insurance on an ATV is a little pricey. What is a good price to pay for a utility atv with no after market parts, plus cover the trailer? Any help would be great.

If you have Un/Underinsured motorist coverage, that could be driving your rates up too.

Thank you for all of the info. I think that I am going to look at my policy to see where I can cut back to save some $$$$$

Now I just have to lower my cell phone minutes.