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Discussion Starter #1
Well, after shopping around (about 6 different phone calls) I accepted the fact it would cost as much to insure my quad as it would my car. No shit.

I couldn't do it. Especially with so many of you paying such a small amount every year.

Naturally every time I'm towing it, I would start to ulcerate. Watch the occasional youtube ATV Crash Spectacle and I would ulcerate.

Then I saw this one:
Let me tell ya, when I saw the remains, I got to feelin' a little queesy. :puke:

That's it, I'm done ulcerating. I contacted USAA and had them work up a quote for my house, car, and quad. Outstanding. Switched from Allstate and now I'm ulcer days are behind me.
 

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I dont have mine insured.

I ride careful, wear safety gear, and use my brain.

Up here insurance is around $1000 a year for full coverage. After 4 years I can buy a new atv. So it's not worth it.
 

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I pay under $150 / year for full coverage thru Markel Insurance. Wouldn't dare ride without it.
Markel for ours as well. Similar pricing with additional coverage for accessories. No way would I not insure them. Don't care how safe and careful you think you are being. There is a reason they are called accidents. Have an accident and hurt someone when you have no insurance, there's a chance you will pay for the rest of your life.
USAA insures my home and autos, there's nobody better, but they are not the cheap way to insure toys and RV's, and they will tell you that outright. They know where the high risk is, and by discouraging it they can keep cost down on the big ticket items.
 
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Discussion Starter #6
Everyone I checked with wanted about 1200 per year. I have an excellent driving record, just don't understand why it cost so much. Especially when I see so many others with low rates.

With USAA, I be paying about 500 for the year, fully covered. I can pay that without getting pissed off, it's a lot closer to reasonable.
 

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You've checked with Progressive and Markel? I've never heard of them having high rates like that.
 

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Progressive here,$100 a year full coverage.
Had a claim,totaled the bike , (at that time they informed me I only get $400 check for medical,Which I did not care about because my health INSURANCE COVERS it,but it did pay for the deductible's .
I had the checks BEFORE i got out of Hospital(4weeks later)
Then on top of that they sent me a GET WELL SOON card.
AND on top of that,,,, they never raised my rate.
Fricking love it
 

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Through Progressive we pay $19/month combined for full coverage for both the 2015 570 and 2015 ETX. When we had the 07 Scrambler and 2010 TrailBlazer we were just over $15/month.
 

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I use Progressive and pay 800 a year for My Ranger, RZR and son's Phoenix. I could have a lower rate but since I am a safety instructor I like to have an extra bit of cushion. The best part, Progressive covers up to 3 grand in accessories and my trailers are covered when I am transporting them.

Happy days.

:party43:
 

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Don't care how safe and careful you think you are being. There is a reason they are called accidents. Have an accident and hurt someone when you have no insurance, there's a chance you will pay for the rest of your life..
^ this. Pardon the pun, but it is cheap insurance. Hurt someone and you could lose EVERYTHING. Couple hundred bucks a year for inaurance is a lot cheaper.
 

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Discussion Starter #15
SEE? Those are good rates.

But I sure as heck couldn't get them. The only thing I can think of is maybe it's a regional thing.
 

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A big part of it is your region, I pay a little under $50 a month/$600 a year for full coverage through progressive. I asked my agent why we pay more for the same insurance down here and he said it has a lot to do with the amount of ATV thefts in my area.
 

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A big part of it is your region, I pay a little under $50 a month/$600 a year for full coverage through progressive. I asked my agent why we pay more for the same insurance down here and he said it has a lot to do with the amount of ATV thefts in my area.
Holy criminy thats nuts. Is theft really that bad there?You would figure that if its at your home your homeowners would cover it.If its on the trailer your auto would cover it? Other then that can you get a policy that dosent cover theft
 

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Discussion Starter #18
A big part of it is your region, I pay a little under $50 a month/$600 a year for full coverage through progressive. I asked my agent why we pay more for the same insurance down here and he said it has a lot to do with the amount of ATV thefts in my area.
Yup, that's pretty much what I am paying. And we are probably in the same region, I bet.

Duse, about 25 years ago I had a car stolen. It was found stripped to the bone. I had about 600 bucks worth of tools in the trunk. The auto insurance wouldn't cover the tools. The home owner's insurance payed me a pittance; About $100 dollars if my memory serves. I was young and needed the money.

Theft is half the reason I got the insurance.
 

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I've never had insurance on any wheeler, but after reading this thread I started to think...I paid more for my 850xp then 2 of the cars parked in my driveway!!!! I guess I'll look into tomorrow��
 

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I have it for my 2015 Sportsman Touring 570 SP, cost about $260 a year, but I have 100/300/50 with $100/$200 deductible, also with USAA.
I don't have it for my 2002 Sportsman 500 H.O., but thinking of just getting liability and medical for other riders, after seeing my son-in-law ride it.:bigeyes2::wtf1::nono:
 
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