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INS. On pro HOLLY CRAP

unless you buy replacement cost insurance you will only get book value for it if it is totalled no matter what you insure it for.
 
Those of you with State Farm is that single or a multiple plan? Auto home and other.
 
that doesn't sound right at all. I have progressive.

Prem last yr was $717 yr:
2012 Pro w/ turbo
$5000 accessory coverage
$1000 deductibles
one speeding ticket on my record (charged me extra for that)on of our sled.

FYI,

I have USAA and they go through Progressive for sleds and similar things. also they will let you insure it as a "car" or "vehicle" which i thought was kinda weird but if thats the case then they wont whore you out to progressive. anyway, I have my 12' PRO insured as a "vehicle" and it worked fine cause I totaled one 2 years ago and they bent over backwards to not only pay what its worth but THEY AGREED TO PAY OFF MY LOAN!!! I love USAA !
 
We have 2 2012 800 pros. Best coverage and cheapest cost was through Nationwide. We pay under $400/year total for both of them. Our local agent with all of our vehicles ans business ins. was 3 times the cost. Went online and got Nationwides number and had them covered 20 minutes later. Remember they are on your side. Or at least I hope so if I ever need them.
 
Liability coverage limits, size of machine, your age, experience level, value of machine, etc all make a huge difference in your annual payment. Do you want a little bit of insurance, or a lot... that will affect the $$$ too. I also found out that Foremost does the actual insuring for multiple companies.
 
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the cheapest i could find was american family for around 250/year........and i dont have anything else insured through them. i tried farmers union insurance, which is where i have the house, camper, and two vehicles..........and they were higher.
 
ins

well I've got quotes from State Farm, Farm bureau, Nationwide, USAA.
Two trucks "08" dmax , 2000 mazda. ,98 triton bass boat. "13"pro rmk
All of them are 1500.-1800. yr. THATS STUPID. Guess I have to be careful when I ride sled as no ins. P.S. with out the sled I'm $1050. yr. So 450-750. a yr for sled isn't going to happen.
 
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unless you buy replacement cost insurance you will only get book value for it if it is totalled no matter what you insure it for.

book value being NADA value which is way high on sleds, so you will still make out just fine
 
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