Question For Insurance Agents

[Rjanderson]

sounds like I need to get another qoute on my snowmobile....... My pro is $475 a year with a $1000 deductible.....

 

[newmy1]

Do accident claims on a sled change auto insurance score/prices?

Totaled a sled once and it didn't effect my other policies with Allstate. My recreactional (sled, boat etc) rates also didn't change.

 

[Timbre]

Holy *&^@%# !!
Is Allstate covering anything else you own? Discount with coverage.
Are they the primary on your sled??
I tried them before and did not get those results..good show!!

No sir, all i insure with Allstate is the sled. Liberty Mutual has everything else. Got a quote from Liberty and they were higher than Allstate even with all the discounts for having the vehicles, toys, house etc. Allstate is the best price i have located, so i went with them again this year.

 

[Timbre]

sounds like I need to get another qoute on my snowmobile....... My pro is $475 a year with a $1000 deductible.....

Ya, for sure! Give Allstate a call. They were the best deal i could find, AND they will go up to 10k on medical too. That was VERY important to me since my little accident in 2013. Cost me 11k out of my pocket for broken ankle and surgery that was required . . .grrr!!! 10k meds would have been nice !

 

[RevXRider]

I am an agent in Maine. A sled accident or claim will not effect your auto rate. But your driving record and auto claims will affect your sled rate.

 

[camppowersports]

I had Progressive Insurance on my '12 RMK with a $400 premium. I turned in a $3500 claim last year and when I got my renewal notice last month, the Premium had jumped to $850. Needless to say, I dropped them.

 

[Timbre]

I had Progressive Insurance on my '12 RMK with a $400 premium. I turned in a $3500 claim last year and when I got my renewal notice last month, the Premium had jumped to $850. Needless to say, I dropped them.

Allstate might be a good option for you as well. Great rates and no upcharge if you have a claim. Its a win win.

 

[Chubbydog]

Most of the time, your auto won't even find out about it. It's reported to the CLUE (claims loss underwriting exchange), and it costs money for your insurance company to pull it. They usually only do it when you start your policy. After that, it's a hit & miss. They do random pulls for people at renewals. If you have a claim with a company, of course it's going to raise your rates, as it should. People who have never placed a claim, should be paying cheaper rates than someone who turns in a claim every year. I'm with Allied, and paying $459 a year for 2 2014 XM's with a 200 ded. Every year I don't have a claim, they lower the deductible by $100. If nothing else, I recommend buying at least liability to cover someone else if you accidently run into someone. That's super cheap, and could save your a$$ having to pay $15 grand for a new sled for someone.