In my case it did make a difference on the Snow Pro vs. Standard, but not much. $239 vs. $252. So American Family must take some other things into consideration besides just the cc's.Originally posted by LabonteF7@Dec 5 2002, 10:34 AM
I'm in MN too. I have all my insurance thru State Fraud (oops, I mean State Farm), and it cost me $336 for the year on my F7. That's with a $100 deductible .... yes, you read that right ... $100 deductible. So I'm paying under $30/month.
I don't think there's going to be any difference between a SnoPro and a standard when it comes to insuring the sled. It's all based on the CC's, isn't it?
I Have 2 million dollars of liability ins. that I have to buy for My business. I pay cash for My sleds. I am not required by law to have them insured. I have 4 sleds, I have been riding for 30 years, I have probably saved enough to buy a used sled to replace one if I had to. Insurance companies are gambling that they can get more out of You than they pay You! And they usually win. So you see I am really self insured . My 2 boys who ride know if they wreck there sled they are done for the year. Why do You think Ins. is such a profitable business? My way is not for everybody but works real well for Me. And I am sure not going to buy it just to help lower everybody elses rates!Originally posted by Wicked King@Dec 5 2002, 01:29 PM
I have a friend who never carried insurance until he "met" another sled on a blind corner. For whatever reason, the DNR cop found him at fault in the ordeal, and wound up paying for 2 f**ked up sleds and 2 hospital bills out of his pocket. He is still recovering from the $$$$ hit that he took. Anyway, it's a free country, but I'd get at least liability insurance. Even if you're a good rider, the other guy might not be. Sleds and hospital bills aren't cheap!''