Snowmobile insurance recommendations

[gary_in_neenah]

do any of these companys understand the difference in hp between the 4 and 2 stroke? my 09 tz1 is 1100cc 4 stroke rated at about a 600 2 stroke and i paid 420ish for the year full coverage. i think thats pretty darn high for a sled worth under $7000

That's exactly what happened with me. American Family looked at the cc and not the hp as much as I tried to convince the agent. Their rate was based upon a 1200 cc 2 Stroke (if there is such a thing) so I moved on to Sentry with a more realistic rate of insurance. I'm still pleased with American Family, just not for the snowmobile coverage.

 

[kb97z]

Foremost....76/yr
800 cc
liability 250/500K
property damage 100K
45 yrs old

 

[xcsp]

I have Progressive on my Bike, I will look into it.

I just called Progressive for my bikes and went with their "Winter Lay-up" until April, saves me $240!

Sounds like they will allow you to drop & add coverage for sleds for when you use it or store them, no specific "summer lay-up" period.

I was used to the insurance companies that say their rate is for a year and includes the storage period-pays to check.

 

[EXCESSIVE FORCE]

Currently have State Farm covering : 2003 F7,2009 F570,2010 F8 LXR,2011 Rance Renegade 4 place enclosed trailer. Coverage costs me $391.97/yr. I also have 3 pickups/homeowners with them......I had Natoinwide before and when the renewal came it was ALWAYS higher.I would call them and they would somehow send another renewal with a lower rate,but with the SAME COVERAGES? Then they would send a bill in june saying i owed them,and i had to explain to them it was PAID IN FULL in Jan !! Their billing system leaves a LOT to be desired.......

 

[garyl62]

Currently have State Farm covering : 2003 F7,2009 F570,2010 F8 LXR,2011 Rance Renegade 4 place enclosed trailer. Coverage costs me $391.97/yr. I also have 3 pickups/homeowners with them........

Do you have the same number of family members as sleds? I looked into Progressive and they ask for info on all the people living in the house, or a "regular user" which they define as over 10 times a year. As soon as I put my kids into the form the rates jumped. I have 2 sleds so I started with my wife and I, the two owners. Not sure how I can be rated for 4 drivers with only 2 sleds. Better yet, I'm not sure any of us will even meet their criteria of a "regular user" based on the amount of times we ride now.

 

[EXCESSIVE FORCE]

Do you have the same number of family members as sleds? I looked into Progressive and they ask for info on all the people living in the house, or a "regular user" which they define as over 10 times a year. As soon as I put my kids into the form the rates jumped. I have 2 sleds so I started with my wife and I, the two owners. Not sure how I can be rated for 4 drivers with only 2 sleds. Better yet, I'm not sure any of us will even meet their criteria of a "regular user" based on the amount of times we ride now.

Just my girlfriend and i.....