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Offline ACIDICJO

Insurance
« on: October 18, 2016, 07:56:04 PM »
Which insurance company do you have and how much do you pay?

I'm currently with Geico and pay $40 bucks a month for a ZForce 800ex. Out of nowhere I get a letter in the mail from my credit union saying I don't have the necessary coverage, that I also need collision coverage. (do these vehicles even need that? they don't drive on the road)

But that would raise my insurance prices north $90 dollars a month. That's freakin car territory and just strikes me as completely unreasonable.
Thoughts on who's trying to get me, CU or Geico? any advice is appreciated.
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2014 ZForce 800 EX
14 in ITP Hurricane's
Sedona Mudder InLaws 30's
2 inch lift
24 inch light bar
2 cube lights
6 inch rear light bar
Wetsounds stealth 10 soundbar
BlueSea Fuseblock
2012 Polaris Rzr 800 all black
2005 Honda Rincon gone but not forgotten
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Offline WalkinTarget

Re: Insurance
« Reply #1 on: October 18, 2016, 08:34:03 PM »
Allstate - $310/yr full coverage. I was not as happy with that price as I was with their price when I had my quad insured with them. That was only $90/yr, but when I asked why the big difference, they pointed out that I had full coverage on not only myself but also a potential passenger, so it effectively doubled the price.

I still gave them a simply math lesson (90x2=180. 90x3=270  ??? so I may be shopping around if that price doesn't drop some next year.
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2014 Arctic Cat Wildcat Trail - 27" GBC Dirt Commanders, soft top, quarter windshield, AC front and rear steel bumpers, Bandit springs, EZ Ryde Midnight Edition exhaust, Plano 1719 storage box, Speedwerx throttle and secondary clutch spring, heated seats, Polaris seat slider.

Sold: 2006 King Quad 700 - 27" ITP 589 M/S tires, ITP rims
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Offline locknload

Re: Insurance
« Reply #2 on: October 18, 2016, 09:06:40 PM »
Just paid mine for the year, $141 full coverage, $250 deductible through foremost insurance
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2015 zforce 800 EPS
Super atv flip up windshield
Rodins doors
24" light bar
Special built seat for my dog
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Offline orangeblue

Re: Insurance
« Reply #3 on: October 18, 2016, 10:13:49 PM »
I have Markel.  263 year for full coverage.
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Offline Derfer22

Re: Insurance
« Reply #4 on: October 19, 2016, 05:50:27 AM »
Allstate along with my auto policy so it's only $18 per month for full coverage. 
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2021 Z-Force 950

When in Doubt
Throttle it Out
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Offline REDRIDER

Re: Insurance
« Reply #5 on: October 19, 2016, 08:59:01 AM »
I'm not required to have insurance. I suppose it depends on your lender? I don't have any yet. I may look around. If I can get it less than $200/yr
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Offline WalkinTarget

Re: Insurance
« Reply #6 on: October 19, 2016, 11:02:46 AM »
Quote from: REDRIDER on October 19, 2016, 08:59:01 AM
I'm not required to have insurance. I suppose it depends on your lender? I don't have any yet.
It's required in PA for you to ride on private ride areas. I have a 6,500 acre ride area only 1.5 hrs from my house, and you must have some insurance on your ride to use their trail system. I don't need FULL coverage, but when it covers everything from a total loss via fire to theft/vandalism, why not pay for it on something that will take a serious beating over the years that I use it ? At $1,800 for a used but functional motor, if someone were to dump sugar in my gas tank, I could at least have an avenue of getting my ride fixed.
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2014 Arctic Cat Wildcat Trail - 27" GBC Dirt Commanders, soft top, quarter windshield, AC front and rear steel bumpers, Bandit springs, EZ Ryde Midnight Edition exhaust, Plano 1719 storage box, Speedwerx throttle and secondary clutch spring, heated seats, Polaris seat slider.

Sold: 2006 King Quad 700 - 27" ITP 589 M/S tires, ITP rims
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Offline rautry72

Re: Insurance
« Reply #7 on: October 19, 2016, 04:53:04 PM »
If you have a lien on the UTV most banks, lenders etc require you to have full coverage in case of damage or theft.  No different than auto insurance or a mortgage.  BTW i have Metlife and I pay about $25 per month for full coverage with 500,000 liability limits
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Offline ACIDICJO

Re: Insurance
« Reply #8 on: October 19, 2016, 08:29:43 PM »
Quote from: rautry72 on October 19, 2016, 04:53:04 PM
If you have a lien on the UTV most banks, lenders etc require you to have full coverage in case of damage or theft.  No different than auto insurance or a mortgage.  BTW i have Metlife and I pay about $25 per month for full coverage with 500,000 liability limits

From what I'm reading it sounds like I'm getting ripped off. Gonna have to shop around my Z8 and see if I can find something cheaper.
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2014 ZForce 800 EX
14 in ITP Hurricane's
Sedona Mudder InLaws 30's
2 inch lift
24 inch light bar
2 cube lights
6 inch rear light bar
Wetsounds stealth 10 soundbar
BlueSea Fuseblock
2012 Polaris Rzr 800 all black
2005 Honda Rincon gone but not forgotten
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Offline REDRIDER

Re: Insurance
« Reply #9 on: October 20, 2016, 06:55:26 AM »
I just got 2 quotes. Progressive (which is the lowest for my motorcycle) $321/yr $1000 deductible full coverage. Foremost (lowest on my cars) $201/yr $500 deductible full coverage. Guess I'll be going with Foremost $17/mo for full coverage I guess I would be dumb not to.
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MichaelE

Re: Insurance
« Reply #10 on: December 11, 2016, 08:52:12 PM »
If you live in DE, IN, MD, MI, NJ, OH, PA or VA I would recommend checking with Rider Insurance.  I got several quotes including State Farm, GEICO, Allstate and all were $600+ annual for full coverage with $500 deductibles.   Rider focuses exclusively on motorcycle insurance and I got the exact same coverage for $213 annual premium.
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