Anyone have any good ideas on insurance co. like to shop around a little Thanks

Yes! my office probably writes the most snowmobile insurance in VT, i have an ad in VAST also, a snowmobiler myself and VAST member & VAST business member. here is my toll free # to call for a no obligation quote #877-265-3131, we are in from 9-5pm M-F :div20: snogirl

Check MetLife. By far the best rates I have found...example:
2007 Apex full coverage..less than $150!
(yes they cover all states and no you dont need your other ins w/them)
if you can find the same coverge for cheaper I would be surprised.

Her name is Eileeen Wunder 866-330-3366
tell her Hemihead sent you :div20:

good luck !

If I am correct MetLife pulled out of VERMONT or is currently doing so ( word has it) , and when you say they cover ALL states, i assume you live in NY so you have to have your sled garaged in NY for them to write the insurance, and yes you might be able to take the sled to other states BUT still it MUST be garaged in NY. People garaging their sleds in VT normally need a VT policy :div20: my rates start at $50 dollars on up annually depending on the driving record, coverages wanted & needed, and a few other rating factors. :div20: snogirl

do you know if Met life covers people living and garaging in Massachusetts??

usually every companies web site will have an agent locator for each state they do business in, or at least a toll free number you can call and find an agent, so you can find out if Mass. has one that way :div20:

JFI an insurance agent has to be licensed in that state they live in to sell insurance, each state has different rules and regulations. I am licensed in VT & NY (i hold a NY non-resident license due to me living in VT but my office is located 2 miles from the NY state line), but again i can only write insurance for a sled, home, car etc..if the "risk" is garaged or located in either of those particular states. :cn: snogirl

Whats wrong with "Foremost Insurance" They had the best rates last year and you can go direct without an agent.....

nothing is wrong with Foremost, I have them and use them 80% of the time PLUS You get an actual licenced agent with us, and we look at other companies also to see if it is your best deal. Sometimes having an agent is'nt so bad, especially if the unfortunate happens ever :cn:

Well just want to thank everyone for there replies,i got the best quote from sno girls co. my 03' 4 stroke trail non turbo for liability only $77.00 i'm very happy with that price, foremost was twice that much last yr

glad we could help & thank you! ohhhh & think snow :div20: snogirl

According to my agent this is incorrect. She claims Metlife is in VT and has no plans of leaving. :div20:



Congrats on finding a good rate topper302, now youre all set to get out there and ride! (just need a little snow first of course)

i confirmend it myself today and found a Met agent, they do still exsist in VT but from what the agent said, you have to have your auto or home also with them for Met to do a snowmobile policy, again you & your agent are located in the state of NY so rules, laws and prices can vary alot then here in VT, where we are. :div20: Thank you! Snogirl

snogirl do you insure sleds that are from ma and kept in vt during the winter in a sled storage place.

YES, as long as you have a garaging address here, and keep it in VT mostly & if so, call the girls between 9-5 M-F, they will give you a quote no problem :div20:
thanks for asking! Amy

Toll free to the office is 877-265-3131 :fluffy:

Typical insurance agent, "Call my office"

my wife writes insurance for sled's in VT and NH. She can give you a quote if you want right here on this blog. All she needs to know your info. PM me and we can go from there!

I thought you had to be an advertising member to post your business on hardcoresledder.com?

busted :beer: :smilielol:
counting the days BTW for the long awaited vacation :celebrating:


utttt ohhh it's the HCS police, spare me sael, no one is advertising if you haven't noticed, just helping people out who asked a legitimate question about insurance, since when is it a problem to help people out on here?? if that's a crime around here then god help us!!!!!! call me toll free 877-265-3131 if you have any other concerns :div20: snogirl :cn:

Here's an update on this one....

I just called 3 places for quotes, and Snogirls' (877-265-3131) price crushed everyone else. I now have a new sled insurance agent....thanks Snogirl.

Thats awesome I'm emailing her too. My rates seem aweful high?

What's the damage for that Crossfire?

I pay like $325/year for full coverage on my '06 F6. It's on my own homeowner's (renter's) policy, and I'm 20 years old. I didn't think that was too bad. My dealer said a lot of guys are paying twice as much...but that's usually because they're on something bigger than 600cc's and can't put their sled on their homeowner's.

2007 xfire 800 sno pro 25/50/10 with fire & theft, and 500.00 deductable cost $433.00, listed as me as a driver

2004 F-7 sno pro 25/50/10 with fire & theft and 500.00 deductable cost $310.00, listed my 19 year old son as a driver

2000 ZR-600 sno pro 25/50/10 cost $107.00 listed my 17 year old son as a driver.

Total Insurance 850.00
Club dues total's 60.00
Vast TMA'S 195.00
Grand total $1,105.00

I have to laugh cause I have a fairly decent 2001 ZR-800 LE and 1995 ZR-440 sno pro sitting in my garage. Imagine registering them all....