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500/yr full coverage here in Iglooland. First time insuring anything under my name, too. Covers fire, theft, crash and even if the wire harness burns due to defect/short, they replace the ATV
 

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i pay just under $200 a year for full coverage on 2 atvs and that is with a $100 deductible on each, bumping my coverage up and adding $4000 in aftermarket accessories coverage. had i went with the $500 deductible, less coverage and only the $1000 aftermarket accessory coverage that the policy automatically came with, i believe it was down around $125 per year. this is through allstate however i think the whole rate thing is a sham as i've priced with progressive and was given a quote of $1200 a year and that didn't include the lower deductible, higher coverage and aftermarket accessory coverage. i have a clean driving record and excellent credit yet my buddy who has crappy credit and a DUI on his record pays 1/3rd of what i was quoted through progressive and that is for both his sportsman 850 and his rzr1K. i don't quite fathom why i was quoted so high for a company that claims to have the lowest rates. when shopping around for insurance, there were several places that were quoting insane rates yet i've seen people on forums talking of their low rates compared to the companies that gave me reasonable to very good rates.
 

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Discussion Starter #24
i pay just under $200 a year for full coverage on 2 atvs and that is with a $100 deductible on each, bumping my coverage up and adding $4000 in aftermarket accessories coverage. had i went with the $500 deductible, less coverage and only the $1000 aftermarket accessory coverage that the policy automatically came with, i believe it was down around $125 per year. this is through allstate however i think the whole rate thing is a sham as i've priced with progressive and was given a quote of $1200 a year and that didn't include the lower deductible, higher coverage and aftermarket accessory coverage. i have a clean driving record and excellent credit yet my buddy who has crappy credit and a DUI on his record pays 1/3rd of what i was quoted through progressive and that is for both his sportsman 850 and his rzr1K. i don't quite fathom why i was quoted so high for a company that claims to have the lowest rates. when shopping around for insurance, there were several places that were quoting insane rates yet i've seen people on forums talking of their low rates compared to the companies that gave me reasonable to very good rates.
And that is WAY upside-down. I thought maybe the high cost was because of greater displacement. But in some cases, I've seen some with lower displacement costing more than higher displacement. Makes no sense.:kater:

Guess to some extent they use a "Common Core" method to arrive at the figures they quote some of us.
 

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i pay just under $200 a year for full coverage on 2 atvs and that is with a $100 deductible on each, bumping my coverage up and adding $4000 in aftermarket accessories coverage. had i went with the $500 deductible, less coverage and only the $1000 aftermarket accessory coverage that the policy automatically came with, i believe it was down around $125 per year. this is through allstate however i think the whole rate thing is a sham as i've priced with progressive and was given a quote of $1200 a year and that didn't include the lower deductible, higher coverage and aftermarket accessory coverage. i have a clean driving record and excellent credit yet my buddy who has crappy credit and a DUI on his record pays 1/3rd of what i was quoted through progressive and that is for both his sportsman 850 and his rzr1K. i don't quite fathom why i was quoted so high for a company that claims to have the lowest rates. when shopping around for insurance, there were several places that were quoting insane rates yet i've seen people on forums talking of their low rates compared to the companies that gave me reasonable to very good rates.
And that is WAY upside-down. I thought maybe the high cost was because of greater displacement. But in some cases, I've seen some with lower displacement costing more than higher displacement. Makes no sense.:kater:

Guess to some extent they use a "Common Core" method to arrive at the figures they quote some of us.
me and my buddy both ran into this. when i dropped my 850 and added my 1000, my rate actually went down $18 a year. same happened to my buddy when he traded in his rzr 800 for his rzr 1000. his rate dropped by $30 a year. :kopfkratz:
 

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$20 a month for each of my 850's and $17 a month for my 570 through State Farm. Simple fact is I couldn't afford to replace one if it got totaled so that's the main reason I insured them. Plus I have liability coverage on them too so if (God forbid) I hurt someone or damage someone else's property my insurance will cover them. Although if I was getting quoted $100 a month like some of you guys I don't know what I would do. That's pretty outrageous I think.
 

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Sometimes you just have to dicker with them on the price. Just like buying a car. When I bought the first atv for my son, my insurance claimed that they (ERIE) did not write such policies and it would come from a third party to them. The price for 1 atv came in at $568 or so. I said no way was I paying that and I would go elsewhere for atv insurance. My agent said to give her a bit and she would see what she could do. She called the next day and said she could do it for $230 something. I again said no way I was even paying that and I had seen progressive offering something like $60 or $70. She said no way she could match that and I said ok, fine. She called back an hour later and said because I was such a good customer (BS) that Erie would actually write me a policy. I said I am listening. She said I could get full coverage (liability, collision ect.) for $98 a year. I said I will take it. How can you go from $568 to $98? They still have to be making money. And if I would have said ok to the $568 how would they sleep at night? How many people just call up their agent and say add this atv to my policy? What a crooked industry. I guess my only gripe is that I am not an insurance agent.
 

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Sometimes you just have to dicker with them on the price. Just like buying a car. When I bought the first atv for my son, my insurance claimed that they (ERIE) did not write such policies and it would come from a third party to them. The price for 1 atv came in at $568 or so. I said no way was I paying that and I would go elsewhere for atv insurance. My agent said to give her a bit and she would see what she could do. She called the next day and said she could do it for $230 something. I again said no way I was even paying that and I had seen progressive offering something like $60 or $70. She said no way she could match that and I said ok, fine. She called back an hour later and said because I was such a good customer (BS) that Erie would actually write me a policy. I said I am listening. She said I could get full coverage (liability, collision ect.) for $98 a year. I said I will take it. How can you go from $568 to $98? They still have to be making money. And if I would have said ok to the $568 how would they sleep at night? How many people just call up their agent and say add this atv to my policy? What a crooked industry. I guess my only gripe is that I am not an insurance agent.
it's all a scam imo. my one buddy bought the same atv a few months after i did. we both had a clean driving record, excellent credit, etc. but he was quoted $460 higher than i was paying for the same atv through the same agent. the only difference was that he was 3 years younger than me but still in his 30s as was i. insurance sales is one of the biggest rackets i've ever seen and i'm with you, i'm in the wrong damn business!
 

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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
New bike new price $245 full coverage
 

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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
New bike new price $245 full coverage
They have to pay for that get well soon card some how.
 

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I have Allstate and I only pay $50.00 a year.....Don't need full coverage unless you don't use your brain when you are riding.... The only reason that I have insurance is because you have to have it insured and reg to ride on the trails up here in upstate NY
 

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Most accidents can be avoided it's called defensive driving unless your a reckless individual then accidents are for a reason


Carch4
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I have Allstate and I only pay $50.00 a year.....Don't need full coverage unless you don't use your brain when you are riding.... The only reason that I have insurance is because you have to have it insured and reg to ride on the trails up here in upstate NY
sorry but you are dead wrong with this lame ass claim! as others have said, accidents are just that, even when you use your brain but full coverage goes well beyond someone's own ability to ride and judgement calls. there are things such as fire and theft among other things. i have near 40 years of riding experience under my belt and have a pretty damn good track record but shit still happens whether it be my own fault or someone else's. for what these machines cost, you'd have to be an idiot not to pay the little extra for full coverage. imo, the ones who don't are the ones not using their brain. ;)
 

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Yes full on auto and no on ATV and the insurance on my ATV is only 50 a year. Auto is a lot different now your trying to compare apples to oranges


Carch4
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When I got my atv's I asked about what happens if my shed burns down. They are covered under my home owners right? My agent said nope! They fall off of my trailer while being towed. I am covered under my auto insurance right? Agent said nope! Agent said anything that can have its own insurance will not be covered by home owners or auto policy. I don't remember but it might have been anything over the $3000 mark gets its own insurance. So be careful out there and make sure you will not have any surprises if something bad happens.
 

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Yes full on auto and no on ATV and the insurance on my ATV is only 50 a year. Auto is a lot different now your trying to compare apples to oranges


Carch4
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you're not comparing apples to oranges. You're comparing Gala Apples to Granny smiths. The insurance is treated the same either way.

Sure some car's are worth much more, but when it comes down to it, the risks are the same. Theft, Fire, Accident, Uninsured motorist, Flood, Etc. Tickets reflect on the same record. The only difference is what is being insured.

You can spout nonsense all you want. I'm an insurance agent by trade.
 
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