Full Version: insuring a snowmobile
i've heard people insuring their snowmobiles.. anyone recommend any specific company? thanks
also, do i need to get a liscense for riding?
you need a regular driving license
oh alright, sounds good... just making sure
i think snowgirl has an insurance brokeage specializing in snowmobile ins. , and she is a member on this site if i am not mistaken.
-seasled :cn:
-seasled :cn:
i got mine insured through Nationwide Insurance
what am i looking at price wise for insuring a sled?
QUOTE(Oxygen @ Nov 17 2005, 09:47 PM)
i've heard people insuring their snowmobiles.. anyone recommend any specific company? thanks
Don't know how the economy is on your side of town, but they are stealing sleds like hot cakes!!!
You should insure your sled because of said thefts and to cover damage to your sled, should you get T-Boned....
Trail drinking and sSled accidents are on the rise...You need ins. to quickly cover the cost of repair or salvage...Helps you to have peace of mind and get back on the trail quicker...
Check with your current insurer, too see if a package rate will be cheaper...
Joe Snow123...
QUOTE(Oxygen @ Nov 17 2005, 09:04 PM)
what am i looking at price wise for insuring a sled?
I pay $170/year with State Farm. That's for full coverage with 250/250 deductables on my F6.
Liberty Mutual, but you have to switch your car over. They will not insure a sled only. I had full comp, collision, and liab for two 2001 sleds. ONe is a 500 and 800 for under $300 (full coverage). I would drop liab and coll off season since they sit in the trailer, this would drop the price under $150. Call around and ask for quotes.
mine is tacked onto my homeowners, I believe it was around $200 a year.
After my independent insurance agent quoted me $760 as the best they could do. :augen41:
I called several including Progressive,Geico,Foremost,Nationwide and some I haven't heard of.
Got my best deal with a six month policy from Allstate. :banana:
Strange thing is had to bring the sled by the office so the agent could inspect.
Never heard of such a thing.
Was fine by me, maybe an attempt to cut down on fraud.
Definitely get at least liability.
I called several including Progressive,Geico,Foremost,Nationwide and some I haven't heard of.
Got my best deal with a six month policy from Allstate. :banana:
Strange thing is had to bring the sled by the office so the agent could inspect.
Never heard of such a thing.
Was fine by me, maybe an attempt to cut down on fraud.
Definitely get at least liability.
QUOTE(spo @ Dec 30 2005, 01:09 PM)
After my independent insurance agent quoted me $760 as the best they could do. :augen41:
I called several including Progressive,Geico,Foremost,Nationwide and some I haven't heard of.
Got my best deal with a six month policy from Allstate. :banana:
Strange thing is had to bring the sled by the office so the agent could inspect.
Never heard of such a thing.
Was fine by me, maybe an attempt to cut down on fraud.
Definitely get at least liability.
I called several including Progressive,Geico,Foremost,Nationwide and some I haven't heard of.
Got my best deal with a six month policy from Allstate. :banana:
Strange thing is had to bring the sled by the office so the agent could inspect.
Never heard of such a thing.
Was fine by me, maybe an attempt to cut down on fraud.
Definitely get at least liability.
he just wanted to see a blade :div20: so whad did ya end up paying?
$237 includes my 16 ft. v nose trailer. :celebrating:
I just insured my '02 700 Edge X through Nationwide - full coverage and liability for me was $430/yr with a $500 deductible. It would have been $100 less, but I have an 83 in a 55 mph speeding ticket (automotive) on my record, and the assumed 'recklessness' of on-road carries over to the snow...
Even if you think you're a safe/careful rider, I would recommend insurance. Aside from the possibility of theft or somebody clipping your sled, the proof for me was something I saw firsthand last year. We were at a sled dealer in Houghton MI installing a shield heater, when we heard a sled take off WOT in the parkinglot - looked up and nobody was on it! The sled was a rental, and they pulled it out of the shop for a new renter. A couple pokes of the throttle before starting, and it started fine, but moisture on the carbs froze them open. It did an empty drag race about 150 yards into a parked Ford Taurus (empty), and knocked the car sideways, bucked in the front drive wheel, and mangled the quarter panel. Sled was an explosion of aluminum and plastic.
So 2 lessons - 1) get insurance, 'cause stuff happens, and 2) ALWAYS attach your kill switch tether to you before you start your sled!
Even if you think you're a safe/careful rider, I would recommend insurance. Aside from the possibility of theft or somebody clipping your sled, the proof for me was something I saw firsthand last year. We were at a sled dealer in Houghton MI installing a shield heater, when we heard a sled take off WOT in the parkinglot - looked up and nobody was on it! The sled was a rental, and they pulled it out of the shop for a new renter. A couple pokes of the throttle before starting, and it started fine, but moisture on the carbs froze them open. It did an empty drag race about 150 yards into a parked Ford Taurus (empty), and knocked the car sideways, bucked in the front drive wheel, and mangled the quarter panel. Sled was an explosion of aluminum and plastic.
So 2 lessons - 1) get insurance, 'cause stuff happens, and 2) ALWAYS attach your kill switch tether to you before you start your sled!
This is a "lo-fi" version of our main content. To view the full version with more information, formatting and images, please click here.