ATV Insurance?

[mattn03]

Does anyone have an extra insurance policy for their ATV? My wife & I may purchase a used 400EX next spring and called our insurance agent regarding this. I mainly want our policy to cover theft, but he gave me a couple other options too. Here they are:

$67/year - bodily injury only (covers up to $2000 in medical bills) This wouldn't cover the ATV at all.

$151/year - Comprehensive with a $500 deductible. This covers medical as above along with theft and vandalism.

$253/year would cover medical, comprehensive, and include collision. Yep, incase I run into a tree, myself and the ATV would be covered lol...

What does everyone else have? What do most feel is necessary or going over board? Do these prices seem about right? We have our homeowners and 3 vehicles covered with them already.

BTW, our agent says the rates are based on cc's and dollar value of machine which I'd assume around $4000 for a used 05/06 400EX.

[dariusld]

Sounds about right. I paid $149, no medical and 500 deductable. After first year I thought it was too much and canceled. Now I have none.:eek2:

[Roman]

none here either. It couldn't hurt though.

[Lowcountrydave]

I pay State Farm $259.00 a year. ($500 deductible)


If it is stolen or falls out the back of my truck its covered. I sleep alot better knowing its insured. Not to mention the huge Master lock on the gate, and that its chained to the deck.





Dave

[firefighterjosh]

Progressive is the best.


wht I pay a year
02 banshee $75
02 C-dale $100
06 KQ $150
02 400ex $75


This include everthing..liability, theft, collision, fire,you name it its go it. The only thing it dosen;t have is uninsuared motorist:rolleyes: but who needs that on a quad lol.

I do have a $500 deductible

[Wheelie]

I have full coverage, paid about 250/yr back in June--$500 deductible. My driving record sucked. It's getting better.

[vett_09]

I had my 400 stolen about eight months after I bought it. It was, and still is, uninsured. I got it back after about a month and a half when Detroit PD caught this guy riding it straight down Michigan Ave. just outside of downtown Detroit in the middle of the afternoon. (Not to change the subject.) When I got it back I checked into insurance, but most of the places I checked into would not give me what I owed on the bike at the time it was stolen, they would only give me an appraisal value. Basically, they wanted about $350 a year and I would still have to pay off the remaining balance of whatever they didn't give me. Just for giggles I asked about how much I would get if it were stolen again... $2500 - $2800. It was a year old...

[wis400x]

PROGRESIVE SUCKS!!!!!!!!!!!!!! GET IN AN ACCIDENT & SEE WHAT THEY COVER............NOT NEARLY WHAT THEY SHOULD!!!!

[Eviltanker]

I got GEICO. In Pa to ride DCNR land you must be insured and registered. I pay less than $200 for both of mine(See Sig at bottom) I have $500 dollar deductable on both.Mine on my 400EX is only like $ a year cuz I have a motorcycle license, My wife's costs me around $100 cuz she hasn't got an MC license.

[hondaboy400ex55]

i regret not havin insurance on myne and now its gone and i got nothin but a bunch of headaches...

[Xater]

dont they make em now with tracking stickers on the frame??

[firefighterjosh]

Originally posted by wis400x
PROGRESIVE SUCKS!!!!!!!!!!!!!! GET IN AN ACCIDENT & SEE WHAT THEY COVER............NOT NEARLY WHAT THEY SHOULD!!!!


If you total your quad they pay for what you have it insured for. Trust me one of my friends knows. Wasn't good.



Originally posted by vett_09
When I got it back I checked into insurance, but most of the places I checked into would not give me what I owed on the bike at the time it was stolen, they would only give me an appraisal value

When I went through progressive They could give me what it was approzzied for then I added modification insurance to up the price due to all my mods.

[bah1491]

I wish i had insuracne....

[bah1491]

AlL bY mYsElF haha

[BillyBob]

what the hell happened dude?:eek:

[bah1491]

rear shock rezzy blew out, fluid on header, plastic on fire, hot *** baby lol

it was a stock shock with zps, the cap acctualy blew off so hard, it out a half inch dent in my titanium header!

[Valder]

Ouch that sucks!

I got insurance on mine through AllState. Brand new and still owe on it. It is in the upper $200s for everything coverage. Knowing my luck it would get nabbed if I didn't have coverage.




Darrin

[eliasxr400]

Wow you guys have it easy! I pay $800 a year for my 04' XR400 and 05' TRX400EX. I have no points. Jersey Blows!

[N300exJ]

i pay 118 a year for liability only on my 450R.

njrider.com

[400exMO]

Full coverage for this beast with a 400 dollar deductible is only 500 a year.

[CD400EX]

Yeah NJ sucks you pay out the nose for everything insurance especially. I got full coverage through Gieco on my 400 in September but it was $80 a month so I dropped it to liability only now its $30 a month.

[peecout]

I wish I had insurance when I had my trailer and two quads stolen! I lost about $11000 worth of stuff. Got replacements but insurance is a must have now!!!

[donny-g]

Insurence is cheap, replacing a quad is not. I have Progressive and it only cost me 197 per year and completly covers my atvs.

[mattn03]

I wonder if homeowners would cover the ATV? Homeowners covered my lawnmower, etc stolen earlier in the year.

[Lowcountrydave]

Home owners doesn't cover atv's..... Unless its used to keep up your land or say on a farm. If you had a Utility that you used to "work" on your farm then yes.

I asked the insurance company when inquiring about insurance.

** Good example your mower was used to keep up your property**


Dave

[mattn03]

Originally posted by Lowcountrydave
Home owners doesn't cover atv's..... Unless its used to keep up your land or say on a farm. If you had a Utility that you used to "work" on your farm then yes.

I asked the insurance company when inquiring about insurance.

** Good example your mower was used to keep up your property**


Dave

That makes sense. Too bad though!