Re: Insurance

[snoflakes]

Re: Insurance

OK, you convinced me . . . Can anyone name an insurance Co. that isn't so expensive but still reliable? Thanks, Snowflakes

 

[hilpulr]

Insurance

I use State Farm for mine. My insurance is inexpensive but i have never had a claim on my sled either. (knock on wood)

 

[jerrydecoy]

Not expensive is probably relative to your age, credit and driving record. Mine is dirt cheap with farm burea but I'm also in my 40's with a clean driving record. I Know a few guys with a a few tickets or a dui and crap credit. They pay 4 times what I pay!!!

 

[kevinm7]

I use Liberty Mutual. I have my house, cars, life and sleds all through them. My 2015 Turbo Pro is insured to $20,000 and I pay $24 a month.


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[cowboy181d]

I have state farm, with 6 sleds runs me about 250.00 a year for the bunch. I am 28 clean slate and no claims. But I have everything from my business to my home insured with them. So I get a pretty good multi policy discount.
Working in the autobody trade I can tell you which companies are decent and which could care less about their customers. State farm good. Farmers, progressive, Esurance not so much...

Biggest Deal with sleds I've found is who will let you put stated value on your machine I have 15,000.00 on my Dragon still because I have all my ducks in a row and cataloged each and every aftermarket part on my machine with a list cost from WPS plus high blue book on my machine = total cost for me to replace her with an exact twin if something catastrophic happened. Costs me a few pennies a year more but its comforting knowing I would not have to be riding a ol wedge by the time the insurance adjuster got done finding excuse's to devalue my machine.....

When you go to get your quote have them tell you what they will pay if your sled was a total loss, then think hard is that amount even half what your mods cost you?
Catalog and List price on a sheet every single Mod or add on your machine has sign it and have your insurance company put it in your file when you get your insurance on your machine so that way they can see you are serious about the value you are placing on your machine.

Hope my rambling helps you out

 

[ripnit]

I have state farm, with 6 sleds runs me about 250.00 a year for the bunch.

Hope my rambling helps you out

How does this work??? I have 5 sleds and EACH costs $250 a year. I also have State Farm, 46, clean MVR, and exl credit. ...between sleds, bikes, trucks, and cars, house and health, insurance eats me alive.

 

[kevinm7]

How does this work??? I have 5 sleds and EACH costs $250 a year. I also have State Farm, 46, clean MVR, and exl credit. ...between sleds, bikes, trucks, and cars, house and health, insurance eats me alive.

That's what I was wondering.... Unless they are all old sleds... My one sled costs me almost $300 a year and I have a clean MVR, great credit and multiple policies with my insurance company....

 

[Bkinz]

I go through State Farm as well, 20 years old, clean driving record, with one totaled sled through State Farm. Mine is $23 month with unlimited add ons for my 2015 boosted Viper.

 

[jerrydecoy]

I have state farm, with 6 sleds runs me about 250.00 a year for the bunch. I am 28 clean slate and no claims. But I have everything from my business to my home insured with them. So I get a pretty good multi policy discount.
Working in the autobody trade I can tell you which companies are decent and which could care less about their customers. State farm good. Farmers, progressive, Esurance not so much...

Biggest Deal with sleds I've found is who will let you put stated value on your machine I have 15,000.00 on my Dragon still because I have all my ducks in a row and cataloged each and every aftermarket part on my machine with a list cost from WPS plus high blue book on my machine = total cost for me to replace her with an exact twin if something catastrophic happened. Costs me a few pennies a year more but its comforting knowing I would not have to be riding a ol wedge by the time the insurance adjuster got done finding excuse's to devalue my machine.....

When you go to get your quote have them tell you what they will pay if your sled was a total loss, then think hard is that amount even half what your mods cost you?
Catalog and List price on a sheet every single Mod or add on your machine has sign it and have your insurance company put it in your file when you get your insurance on your machine so that way they can see you are serious about the value you are placing on your machine.

Hope my rambling helps you out

I'm curious what the value or the coverages are for those sleds???? 250 a year for a dragon insured for 15k in agreed value would be considerd cheap never mind the other 5 sleds!!! My wife's an agent and we do agreed value on our 3 sleds just because we all know how they depreciate so quickly. I thought our premiums were cheap but they're not anywhere near yours!

 

[NorthMNSledder]

I have state farm, with 6 sleds runs me about 250.00 a year for the bunch.

Without posting a copy of your insurance statement there is no way in the world I believe this....... $250 each yes, $250 for all 6.....No way.

I've always seen between $200 & $300 for a current model sled. And the rest of the posts on here match that statement.

 

[turbolover]

USAA

I have USAA on my cars and sleds.

They pay retail value on a totaled sled and are great to work with.

I had a niece riding with me last year and she pinned the throttle when I jumped off to catch the sled. Drove it straight into a tree at full throttle wiped out the front end of the sled and busted her femur.

She got a helicopter ride out of that. They paid for my repairs and I haven't seen anything on her hospital bill nor have her parents. Covered it all.

Can't remember the amount of the cost exactly but it's in the $180 -$200 range

 

[800poodragon]

Went to our State Farm gal today to add the wifes new 2016 axys today right before we picked it up....$500.00 deductible our rate is $75.00 per year. Is same price for each sled we have (all 4 right now). I thought that was pretty good.

 

[polaris dude]

I bet they are pretty generous when you have a house AND business insured through the same place not to mention everything else. With the amount of premium paid I am sure the costs for a couple more sleds probably isn't much so 250$ sounds about right.

 

[Indy_500]

I bet they are pretty generous when you have a house AND business insured through the same place not to mention everything else. With the amount of premium paid I am sure the costs for a couple more sleds probably isn't much so 250$ sounds about right.

In bold is your answer. For my 15 RMK 800 LE it was $256 for the year last year. I was 19 with a clean driving record.

 

[Texasron]

Pardon me, Who is chilidog.

 

[BigT]

$12 a month for my 2010 M8, and $8 a month for my wife's 2007 600rmk. That's through State Farm

 

[ripnit]

Are we all talking FULL COVERAGE(replacement value) or minimum liability. Sometimes I wonder if people even know what kind of coverage they have.