Sled Insurance--progressive?? Get Out Of This Coverage-now!!
- Thread starter H20SKE
- Start date
just had a claim with state farm, no problems very fast,they allowed me to do the estimate and the work(used to work for a polaris dealer) and i bent my tunnel yesterday so have another claim to file, called them and they said no problem.
M
mtncat800
Member
Farm Bureau
My wife works in the home office and we have everything thru Farm Bureau. They want $580.00 a year with a $500.00 deductable. Claims are usually not a problem, I had an ATV stolen a few years ago and I actually came out ahead of the curve. It is all in how your agent wants to play the game.
My wife works in the home office and we have everything thru Farm Bureau. They want $580.00 a year with a $500.00 deductable. Claims are usually not a problem, I had an ATV stolen a few years ago and I actually came out ahead of the curve. It is all in how your agent wants to play the game.
Does anyone have naything good to say about Progressive?? Other than they take your money --but will not pay out on their coverage.
Sounds like anybodies insurance will work--just stay clear of the BIG PRO--Great adds--But NO COVERAGE!!
H20SKE...
Sounds like anybodies insurance will work--just stay clear of the BIG PRO--Great adds--But NO COVERAGE!!
H20SKE...
Nope!!!
I had them, $220/month for 2 vehicles. Went to State Farm, $250 for 2 vehicles, condo, boat, boat trailer, snowmobile and snowmobile trailer.
Also, my in laws had their truck totalled by someone with Progressive. Was a pain to get paid, and they wouldn't pay for the custom canopy on the truck. (A fellow sledder benefitted from that one since he had the same truck)
N
NDflatlander
Active member
Wow, we have Progressive as our auto carrier. I have my personal and farm vehicles under my own policy, and my parents have my sister and their vehicles including farm vehicles under another policy. Unfortunately we've had quite a few claims from deer and parking lots at college. We haven't had any complaints with them. The adjusters have worked with us very closely to make sure things are done as we want them. I don't know if it has anything to do with having a couple college buddies as adjusters or we've gotten lucky. I hit a deer, totalled my car and ended up being forced by my gf to go to the ER. The ins. paid everything down to the pain pill prescription. We won't allow anything but new OEM parts put back on our vehicles and Progressive has been really good about doing that too. None of our vehicles have cheap jap crap on them. We have had more trouble with other insurance companies trying to pull that on us. I was rear ended at a stop light during college and Allstate was the worst to get a long with. Their adjuster was a jerk.
Our insurance rates have gone up minimally because of our claims. We are currently in the process changing all of our insurance to Farmer's Union because of the discounts that we get because of our farm insurance, but I would not be hesitate to go back with Progressive after my experience with them. I must be part of the fortunate minority.
When looking at sled insurance with progressive it was way too expensive to even compare to Farmer's Union. I have never had my sleds insured through them.
Our insurance rates have gone up minimally because of our claims. We are currently in the process changing all of our insurance to Farmer's Union because of the discounts that we get because of our farm insurance, but I would not be hesitate to go back with Progressive after my experience with them. I must be part of the fortunate minority.
When looking at sled insurance with progressive it was way too expensive to even compare to Farmer's Union. I have never had my sleds insured through them.
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Safeco
I have Safeco on '07 APEX Mtn. S.E. and '07 Phazer Mtn. Lite through Tierney Insurance in Harlowton $467 year full cov. w 250 deduct. for both. This is in addition to my truck policy. Safeco has payed out quickly on 2 claims on my RX-1.
I have Safeco on '07 APEX Mtn. S.E. and '07 Phazer Mtn. Lite through Tierney Insurance in Harlowton $467 year full cov. w 250 deduct. for both. This is in addition to my truck policy. Safeco has payed out quickly on 2 claims on my RX-1.
Are you sure they did not use after market parts or used? They are not going to tell you. When you sign your policy you authorize them to use them. There policy is current year only gets OEM parts. If you only knew what goes on behind closed doors you would not be using Progressive any more. State Farm is one of the only good ones left. They do not use after market parts any more. They got sued over them a few years back and quit using them. The only things they will use after market is glass.
H20SKE...progressive
Ive never insured a sled through Progressive, but my main insurance company (USAA) turned me over to "Collectors Insurance" for my Jet skis and to Progressive because it was a "high risk" insuring my GSXR 750.
(they used to insure my skis and bikes years ago but no longer, but USAA still carries my sleds).
I had my gixxer about two months then it was stolen (chain cut and lifted out from infront of an SUV, carried down a corridor and swept away in the getaway vehicle). It had many mods totaling in access of 2500 bux that were installed on the bike.
In the end, they gave me a lowball offer for replacement. The wanted all receipts for every mod, but would only pay to $1000max for mods. In the end I lost several thousand dollars on this whole ordeal after negotiations. How they get their cost-replacement figures is beyond me, because what you paid and what they say you "could have paid" for the item are very far off.
I did get my settlement check in a timely manner. Even tho it was not enough.
As far as USAA backing Progressive? I think they hide behind progressive and other 3rd parties...exactly the reason to OFF the business to them...NOT to back them.
Ive never insured a sled through Progressive, but my main insurance company (USAA) turned me over to "Collectors Insurance" for my Jet skis and to Progressive because it was a "high risk" insuring my GSXR 750.
(they used to insure my skis and bikes years ago but no longer, but USAA still carries my sleds).
I had my gixxer about two months then it was stolen (chain cut and lifted out from infront of an SUV, carried down a corridor and swept away in the getaway vehicle). It had many mods totaling in access of 2500 bux that were installed on the bike.
In the end, they gave me a lowball offer for replacement. The wanted all receipts for every mod, but would only pay to $1000max for mods. In the end I lost several thousand dollars on this whole ordeal after negotiations. How they get their cost-replacement figures is beyond me, because what you paid and what they say you "could have paid" for the item are very far off.
I did get my settlement check in a timely manner. Even tho it was not enough.
As far as USAA backing Progressive? I think they hide behind progressive and other 3rd parties...exactly the reason to OFF the business to them...NOT to back them.
liberty mutual
liberty mutual is very reasonable on sleds, they are very quick to respond on a claim.
liberty mutual is very reasonable on sleds, they are very quick to respond on a claim.
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NDflatlander
Active member
I'm absolutely positive that no aftermarket parts were put on the cars. We're horses a$$es to deal with when we go to the body shop. I made sure I watched the body shop prep the parts that came straight off the truck from the VW dealership shipped from Germany. Actually there was about a 3 week delay because they sent the wrong part from Germany. On that particular car, it was my younger sister's Beetle that the body work was being done on, the aftermarket parts were about the same price as the OEM parts. Like I said it might help us out that I attended college with two of the adjusters that work in our area. They are pretty good friends of mine.
Like I said before, I've been rear ended by someone covered by Allstate another with Country, both companies were terrible to deal with.
Like I said before, I've been rear ended by someone covered by Allstate another with Country, both companies were terrible to deal with.
I would go uninsured before using progressive, because thats what it is like when you have them. I had a brand new pickup stolen that they insured. It took almost two years of legal battles to get any money, and then only got about half. They have very small fine print.
As An Allstate Agent And Fellow Sledder...
I find these topics quite entertaining and insightful to the general consensus of insurance companies.
Figured this is the most important info I can share to those reading....the companies that you've had problems (not your company, but other drivers) with in the past in regards to paying out on claims is 99% of the time related to the other party that caused the accident. They either didn't have the correct insurance...or most likely didn't PAY THEIR BILL. Unbelievable how many people are uninsured. That includes all of you who don't have liability insurance on you sleds. I hope for everyone's sake you don't ghost ride it, or physically ride it into someone else. You can kiss your personal belongs, cash, retirement accounts, equity and anything else your state deems an asset goodbye.
I can 2nd that State Farm is an awesome company and easy to deal with.(They are our biggest competitors) Safeco is another great company for toy insurance. Allstate's new product (in certain states) is excellent for new sleds and those of us who like to mod them. The price is just based on insurance scoring (credit...whole another argument and debate for another day) and driving record along with prior insurance. Allied(nationwide) is also great. Foremost has a good product, but they are trying to get into this business for toy insurance.
Yes, USAA brokers their high risk and toy policies to Progressive. (side note: if you have progressive insurance and are hit by someone with progressive...prepare yourself for your worst nightmare!!!)
If anyone would ever like more info on insurance...pm me.
I find these topics quite entertaining and insightful to the general consensus of insurance companies.
Figured this is the most important info I can share to those reading....the companies that you've had problems (not your company, but other drivers) with in the past in regards to paying out on claims is 99% of the time related to the other party that caused the accident. They either didn't have the correct insurance...or most likely didn't PAY THEIR BILL. Unbelievable how many people are uninsured. That includes all of you who don't have liability insurance on you sleds. I hope for everyone's sake you don't ghost ride it, or physically ride it into someone else. You can kiss your personal belongs, cash, retirement accounts, equity and anything else your state deems an asset goodbye.
I can 2nd that State Farm is an awesome company and easy to deal with.(They are our biggest competitors) Safeco is another great company for toy insurance. Allstate's new product (in certain states) is excellent for new sleds and those of us who like to mod them. The price is just based on insurance scoring (credit...whole another argument and debate for another day) and driving record along with prior insurance. Allied(nationwide) is also great. Foremost has a good product, but they are trying to get into this business for toy insurance.
Yes, USAA brokers their high risk and toy policies to Progressive. (side note: if you have progressive insurance and are hit by someone with progressive...prepare yourself for your worst nightmare!!!)
If anyone would ever like more info on insurance...pm me.
I have a friend that worked for years as a "Fraud Investigator" for Progressive. Many insurance companies don't even investigator Fraud. This poor guy was overworked and required to go to the ends of the earth to try to prove the insured was somehow responsible for the loss or had inflated their claim.
Each spring, they sent him to Alaska for 6 to 8 weeks. According to him, there are more than just a few sledders in Alaska that buy a new machine in the fall and report it stolen in the spring, collect a check and buy again the next year.
Anyhow, from other sources, the estimate is that for all stolen vehicles (cars, SUV's, m/c, etc), the owner is involved in about 40% of the cases filed.
This causes us honest folk more in the long run...
Each spring, they sent him to Alaska for 6 to 8 weeks. According to him, there are more than just a few sledders in Alaska that buy a new machine in the fall and report it stolen in the spring, collect a check and buy again the next year.
Anyhow, from other sources, the estimate is that for all stolen vehicles (cars, SUV's, m/c, etc), the owner is involved in about 40% of the cases filed.
This causes us honest folk more in the long run...
S
SilverGriz
Well-known member
Safeco Insurance Rocks! $296 a year on my XP. $300k liability, $10,000 stated value with a $250 deductible.
Hit a tree with my XP on its maiden voyage. $3100 in damage. Called claim in on Saturday, claims adjuster inspected sled at the dealership on Tuesday, I had a check in hand for the full amount on Thursday. Doesn't get much better than that! I would recommend to anyone.
Hit a tree with my XP on its maiden voyage. $3100 in damage. Called claim in on Saturday, claims adjuster inspected sled at the dealership on Tuesday, I had a check in hand for the full amount on Thursday. Doesn't get much better than that! I would recommend to anyone.
After reading this I called up USAA to get a quote for an auto/sled policy. The rep confirmed that they do use other companies to underwrite policies for motorcycles and such, but she assured me that the snowmobile insurance was written on the same policy as the auto.
Full coverage on my '06 RMK9 costs me $29/month. When it goes into "storage" at the end of the season I can remove the collision & liability and carry comp only for $2/month.
I've heard nothing but bad things about Progressive. If I wasn't getting such cheap rates with USAA I'd probably go with State Farm as they have been good to me in the past.
i have state farm, they charge me 101 bucks a year. cant beat the price or the service
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