Snowmobile insurance questions
- Thread starter Yenann
- Start date
There's a lot of variables that go into determining your rates; age, prior claims, even your credit rating. I've never understood why credit history should effect premiums but it does. $22 a month is probably on the high end of premiums for a 600 but without knowing your specifics it's anybody's guess.
I've heard that it's best to "bundle" the coverage with vehicles, homes, etc. In my case it was best to go with a different company to get the best price.
There's some Insurance Guys that are members on here, maybe one can jump in with more to offer.
I've heard that it's best to "bundle" the coverage with vehicles, homes, etc. In my case it was best to go with a different company to get the best price.
There's some Insurance Guys that are members on here, maybe one can jump in with more to offer.
hamburgchf
New member
usually there is a big price difference after you go above a 600
mezz
Well-known member
As stated above, there are a number of variables that affect the rate such as the individuals insurance score which is in fact a correlation to your credit rating. Age, loss history, driving record, type of sled, liability limit elected, deductible options etc.. Most companies rates are based on the value of the sled not necessarily the cc of the engine. In some cases, rates are better when combined with a home and/or auto but not always. Shop it in all scenarios, personally, my sled is under my home policy which works fine for me, but may not for others. I also adjust the value of the sled each year as they do decline in value over time, there is no sense in paying for cost new when you can only recover actual cash value (Book Value) if you should have a loss.-Mezz
Everything is bundled. Have good credit and only a few small claims. I called my agent and he said to shop around cause there are higher then most on sleds atvs etc. It just went up this past month and said it was due to them not wanting "that type of buisness". Guess I'll be looking else where.
I think for me it is best to have my sled on its own policy at a diff corp than everything I own at a diff corp. the chances of me totaling a sled are way way higher than any thing else I own.
for my 11m8 it was 228 a yr 250 deduct my new 14 m8 is 290 a yr
I checked with my other corp that holds every thing I own and it would save me l
less than 40 bucks a yr .
I was dropped like 15 yrs ago storm damage on home and 2 cars then a ripped of trailer . then in 3s I got in a small fender bender and other car would not just let me pay to fix his cracked bumper 1700in damage then I was dumped.
speaking of insurance if u have a hill around your house be sure U have mud slid insurance. I know a guy who has a hill in his back yard with all the rain in MN it gave way totaled his house and it is not covered. guess he picked the wrong yr to retire
for my 11m8 it was 228 a yr 250 deduct my new 14 m8 is 290 a yr
I checked with my other corp that holds every thing I own and it would save me l
less than 40 bucks a yr .
I was dropped like 15 yrs ago storm damage on home and 2 cars then a ripped of trailer . then in 3s I got in a small fender bender and other car would not just let me pay to fix his cracked bumper 1700in damage then I was dumped.
speaking of insurance if u have a hill around your house be sure U have mud slid insurance. I know a guy who has a hill in his back yard with all the rain in MN it gave way totaled his house and it is not covered. guess he picked the wrong yr to retire
Go Fast or Go Home
Active member
Insurance companies look at the frequency of claims, not necessarily the amount. Also make sure you have flood insurance if you live ANYWHERE it may possibly flood including a City street after a heavy rain.
The only thing you can be sure of with an insurance company is that you better pay your premium on time.
The only thing you can be sure of with an insurance company is that you better pay your premium on time.
oh yeah in my town we have like 40 houses that had sewage back up in to there basements . 3 real close to me but lucky for me I am on the top of the hill they are at the bottom.
nasty nasty stuff I dont know if I could live some place that had turds floating around a foot or better deep.
the MN rain has been crazy
nasty nasty stuff I dont know if I could live some place that had turds floating around a foot or better deep.
the MN rain has been crazy
allpolaris
Member
$700+ each for 2 2014 1200 GSX le Ski-Doo's Some companies won't even write sleds over 800cc. They don't even care about driving record, insurability, claims etc.. We have not had a claim for 25 years but Farm Bureau wouldn't take 'em even with us having our complete package with them. Had to go with Progressive although about 4 companies we checked were all within $50. Will go to liability only after 3 years.
700 each ?WOW any dirty talk or just a hard pounding ?
that is crazy I get a speed a yr on average have my sleds at a diff corp than all my other stuff no palce close to that for both together and both 800s .
I am state farm on sleds
$700 each for 1200 4s is crazy what 135HP.lol GSX NOT what you think of as hyper sled more of a geezer image. Look else where.
polarisrider1
New member
These insurance questions are nonsense. Credit score plays big. Area you live in plays big. Past claims, marital status, home ownership, bundling all are factors. I have crazy low rates. Just an insurance company money machine.
Agreed there are a lot of factors that go into. I switched from Nationwide to Metlife this past spring. 4 sleds ('09 TNT 600, '10 TNT 600, '04 MXZ 500ss, '14 MXZ 800 Etec) & 23' Triton inline enclosed is $253/year compared to well over $1000 for the same through Nationwide. Deductibles are all $500 with full coverage on the sleds and trailer. It does pay to shop around.
My two 15 Vipers came in at 1500 through Progresive I think. Staying with Librty Mutual at about 275. Wifey almost had a fit, lol. My question to the insurance guys is this, if the rates go up after 600 cc, what about the four strokes that need more cc to get the same hp of a two stroke. Shouldn't it be based on hp not cc?