sled insurance

freefall · Apr 11, 2019

getting crazy high quotes for my new 2019 summit 850 175

any suggestions appreciated

am not rich like Chadly so cannot self insure

Am thinking if around 400 per year then maybe the price of sledding for me has finally gotten too much.

ouch

plumnuts · Apr 11, 2019

insurance

Try ALLSTATE... they increased our coverage and brought the costs down... so much so we switched our motorcycles, truck, RV, Home, and SUV over to them too... saved about 800 a year on everything. Snowmobiles were less than 150 a year each (2015 Doo Summit X and 2012 Doo SP Summit)

Chadly · Apr 11, 2019

I had Allstate and it was really expensive. I don't know anyone that was paying as much as I was.

summ8rmk · Apr 11, 2019

5yrs ago, i was paying under $200 per yr.
Good coverage, $100,000-$300,000.
Now its $350 per yr for a $15k sled.
Agent said the last 5yrs, claims have skyrocketed. I can see all the young guys yard sale their sleds so they could get insurance to just go buy a new sled.

Legends ZX2 SR

sasha · Apr 12, 2019

Sled insurance

We have Safeco and pay around $370 a year for a 2015 Polaris Pro and a 2016 Axys. That being said, you have to really look at the policy. Most insurance companies default the coverages to “motorcycle”. I do not believe I need $250,000 to $500,000 bodily injury coverage or $100,000 property damage coverage. Nor do I let them place “with guest passenger” on the plan. Also, when the season is over, I have them reduce the coverage even further as I don’t think my sled can cause anyone property damage or bodily injury during the summer months. Our main concern is replacement coverage. If we did a lot of trail riding where I think you are more likely to run into someone else, I may choose different coverage.

Clark42 · Apr 12, 2019

Progressive $450 a year for me with cash value comprehensive

freefall · Apr 12, 2019

thanks everyone

Clarke I am there with similar coverage.

If any of you have assets you should get an umbrella policy.

That being said an umbrella policy will not cover any additional unless you have the 300k minimum on the insured home. sled,car, boat etc.
just a fyi

my Safeco was around 360 for my 14 xm full coverage.

freefall · Apr 12, 2019

insurance

Sasha
be careful I had to use my insurance for a no fault medical claim with a incident with my buddy on the hill. med expenses can eat up your coverage in a hurry and if no 300k min then no umbrella.

My insurance never went up after our accident due to no fault. Sure was nice to be backed up though.

Was an off trail accident. If you are trying to get somewhere and have to go up chutes or tight climbs in trees with others the chance of something going south is always there.

montanapup · Apr 12, 2019

I use State Farm - $250 per year for $50k liability and $500 deduct on collision.
Watched too many sleds go over the cliff without insurance :face-icon-small-hap Good Luck and happy trails

mc2stroke · Apr 16, 2019

I'm with Country Companies. About $200 a year for a 2015 PRO RMK. $500 deduct. I think my coverage is solid to cuz I got sh*t to lose but I forge what it is.

That being said they cover all my stuff which is a lot multiple cars and homes so that multi policy it helps drive the cost down on smaller items like my sleds.

Matte Murder · Sep 16, 2019

I am with Mutual of Enumclaw. It’s basically 1-1.5%. On my Alpha I pay $189 yr. I have totaled 3 sleds in the last 8-9 yrs on that policy and the claims process is always easy. I have both of my trailers insured with them(1% of stated value plus contents of trailer, tools riding gear etc). They have also been the cheapest I can get for auto insurance but I’ve gotten great service out of them too.

tomx · Oct 3, 2019

USAA, $125 a year. I put in storage every year June - first riding day, usually November. You have to have some sort of connection to military to get USAA insurance though, so this might not help you.

Joesoe41 · Oct 10, 2019

I use an agency PowerSports Insurance Agency they shop it around and always come back cheaper than I can find anywhere else. I have progressive and they beat the rate I was paying Progressive directly.

plumnuts · Oct 24, 2019

keep in mind people think of insurance to cover their loss of their snowmobile... insurance also protects you from the liability of injuring someone else

xpspenziv · Oct 25, 2019

Mutual of enumclaw. Good coverage of liability and the sled. Phoenix insurance is the broker in Auburn.

catzr · Dec 14, 2019

freefall said:
getting crazy high quotes for my new 2019 summit 850 175

any suggestions appreciated

am not rich like Chadly so cannot self insure

Am thinking if around 400 per year then maybe the price of sledding for me has finally gotten too much.

ouch

May be old news but just renewing mine
I have everything with Allstate
Offroad policy
Full coverage
4 sleds 1 prowler SXS
$446/yr the most expensive is the 2019 Alpha, $125/yr

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sled insurance

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