sled insurance


I have 2 sleds and a 2 place trailer insured with state farm, comprehensive only, that is costing me something crazy like 10 bucks a year. And they want not much for Liability either, but I got it only for the winter months.

Nick
 
Insurance

I have AARP, Hartford ins. cause I'm over 50 I pay 55.00 on mt 03 RX1 and 64.00 on my 2005 RX1 full coverage for 1 Year . It is added to my home owners so I think it's pretty cheap.
 
i'm 20 and on my srx i have full coverage, its 188.00 dollars a year for that, i'm with progressive insurance.
 
2009 Nytro SE Full coverage on everything 250 deductible $215 per year, they asked me what cc, I told them I didn't know but that my card from Yamaha says 125hp, probably saved a few bucks that way. Oh, and they insured my enclosed Bearcat 2 place trailer for $4.00 per year!!
mjd
 
Yamidude, watch out with progressive. They are notorious for screwing "toy" owners over. I can name a few local cases that I personally know about. I wouldn't personally use progressive unless they paid me to use them, and got me a new sled / bike whatever every year.

That said, I am with Farmers Insurance for my sleds. It is like 70 dollars a year for all 4, with full coverage on the yami and the XC, the indy 500 and trail are liability only.
 
my uncle owns a insurance agency, he shopped around to find me the best deal. i can deal with 188 dollars, havn't gotten screwed yet.

when i get my bike i'd probably go with state farm??? thats what someone said has the best for bikes? may have to transfer my car insurance over to them though someone said? my liability on my car is 900 a year, going to drop to 700 a year next feb.
 
Yes, State Farm is very good for bike insurance. I believe I was the one that mentioned that you will probably need to put your car on the policy for them to take your bike as well.

I am saying progressive is bad if you actually need to use the insurance you pay for. They really like to screw you over then.
 
thanks for the heads up.

i remember talking to a state farm agent about motorcycle insurance back in april and i also remember him mentioning to me about switching my car insurance over to them, but i didn't ask him why.... but why do they? is it required? is it to my benefit to make the insurance cheaper? I don't want to end up paying anymore then i am for liability on my car.
 
Yamidude59 said:
thanks for the heads up.

i remember talking to a state farm agent about motorcycle insurance back in april and i also remember him mentioning to me about switching my car insurance over to them, but i didn't ask him why.... but why do they? is it required? is it to my benefit to make the insurance cheaper? I don't want to end up paying anymore then i am for liability on my car.
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Because a bike is a big liability, especially for a male under 30, having you hold auto insurance along with the bike is the only way they can do a policy in most cases.

Shop around though.....
 
Bakemono said:
I go through American Family and I pay $140 a year for full coverage ($500 deductable).
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I know this thread is about sleds, but.....
I don't like how american family regards sport bikes.
See, my old roomies Gf at the time, now wife, works for AF, and she even said herslef that their rates were aweful for sport bikes. Then she goes out, gets a Ducati Monster 620, and mid season, they tell her that her little monster is a superbike, because the ducati literature regards the monster as having a "superbike derived frame" and therefore they would have to TRIPLE her rate due to that. I regard that as complete BS as to their reasoning because the monster is a standard bike. Needless to say she dropped her own employer's bike insurance and went elsewhere. Even many sport touring bikes are listed as superbike rates according to AF because of superbike derived parts, superbike type bars, and full bodywork. I had her give me a list of the bikes that AF regarded as superbikes, and it was ludicrous. They considered a Triumph Sprint ST, as a superbike. It is a sporty touring bike, but still a touring bike. A ton of other bikes that should not be regarded as superbikes were on that list. It was ridiculous.

Maybe if you ride a harley or cruiser, or non sporty considered bike maybe they are decent. Their rates were very good on that monster until they reconsidered the classification of that bike.
 
I know what you mean. With a lot of insurance companies, if a bike has the letter, "R" in the model designation or even if it just has a 4-cylinder engine, they regard it as s superbike and they jack up the rates.
I was looking into getting a streetbike a couple years ago and they told me that I could get full coverage for a V-Star 650 for something like $250 a year, but that an FZ6 (sport touring bike) would cost me $1,200 a year.
Im not really into cruisers and I wont pay the insurance rates that they charge for a sportbike.
 
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