UTV Insurance

Badley · 2008-06-05 14:04:38

After the carnage in Moab, I decided to get a quote for insurance for my Rhino. I paid cash for my Rhino and had no need for liability insurance to satisfy a loan. I discovered that most auto policies would cover my trailer but not my Rhino when towing. I would hate to total my Rhino while towing and have no coverage. Always figured if I damaged it on the trail I could salvage most of it. I didn't realize I could get this kind of coverage for what it takes to insure my 2 PWC - liability only.

I have been quoted $118/year for Liability (manditory - base) + Comprehensive + Collision ($500 deductable). Progressive is the company (only co. my agent knows that offer insurance policies for UTV's) and I believe this package would satisfy all state insurance requirements if I license for road use. Plus it would cover collisions on the trail and any liability if I have a passenger or someone I run in to hurt :oops:.

Questions for those that have insurance...
1.Is this a fair price? (my wife and I have preferred risk policies on everything - excellent records)
2.Has anyone had a claim? Did they cover damage to your satisfaction?

Any experiences with UTV insurance are appreciated!

Elko Trail Rider · 2008-06-21 09:29:41

We bought a policy from State Farm for our Prowler. Annual premium is $282.00, and there is a $100 deductible. However, we only bought "Physical Damage Coverage," not the complete liability, etc. After that nasty little incident in the arena in Moab, we submitted a claim, so I am sure that our premium will go up! However, State Farm didn't even blink when the claim was submitted.

Hope this helps.

Badley · 2008-06-21 23:57:00

Thanks Bob and Terry! I bought the Progresive policy. I should be covered for everything now... knock on wood :?

mouser58 · 2008-06-28 18:34:07

Try Geiko....All the guys around here have changed over to them that own motorcycles. I am not sure if they do UTVs. I have seen where they do ATVs tho.
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Honda Civic (fourth generation) specifications

z_rzr · 2008-06-30 09:10:27

I have my RZR insured thru State Farm ... approx $225/year for comp & coll w/$250 deductible. Somthing to keep in mind is in addition to your premium is how the particular insurance company handles claims. With 14 years of working in the auto collision repair industry I can tell you it's tuff to beat State Farm.

mouser58 · 2008-06-30 15:07:50

State Farm had screwed more people that I know (including me) than any other Insurances, from claims to amount they charge for premiums, to insisting on using off brand parts be put on vehicles instead of factory OEM parts. Been there done that !!!!
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Dodge EPIC history

z_rzr · 2008-06-30 17:06:18

With all due respect, State Farm uses less alternative (read used, aftermarket, reconditioned, etc.) than any other carrier I've worked with in 14 years. I process about 100 insurance repair claims a month and work with them all. I'm not bad mouthing anyone, just going with experience. I don't work for them, and in the shop where I work, I'm not even assigned to them - another estimator here handles all their repair claims. The facts sir, just reporting the facts. And you're probably right on premiums - I'm sure they aren't the cheapest - but part of the reason is how they pay out on claims. Good luck to ya' though ... whoever you're with. Hopefully the majority of us will never have to test the limits of out policies.

Badley · 2008-06-30 19:47:20

Thanks for the feedback guys! I feeling very good about my rate with Progresive - I could have gone with $250/deductable for $185 but it wouldn't take long to cover the extra $250. I have been insured with State Farm before and only had to repair 1 car, I was satisfied. Worst experience was with Allstate they were fixing my car for one of their insured and tried to put some cheap parts on the car. My auto insurance is with a preferred risk provider, they won't insure PWC's, motorcycles or UTV's... I wonder why

DUNE DUMMY 29 · 2008-07-02 11:45:43

WE HAVE FOREMOST THROUGH OUR FARMERS AGENT. WE HAVE THE RHINO, 2 QUADS & OUR GOLFCART COVERED FOR I THINK LESS THAN $500 A YEAR. FULL COVERAGE BUT I DON'T RECALL THE DEDUCTIBLE. LUCKILY WE HAVE NOT HAD TO USE IT.

#1 2008-06-05 14:04:38

Re: UTV Insurance

#2 2008-06-21 09:29:41

Re: UTV Insurance

#3 2008-06-21 23:57:00

Re: UTV Insurance

#4 2008-06-28 18:34:07

Re: UTV Insurance

#5 2008-06-30 09:10:27

Re: UTV Insurance

#6 2008-06-30 15:07:50

Re: UTV Insurance

#7 2008-06-30 17:06:18

Re: UTV Insurance

#8 2008-06-30 19:47:20

Re: UTV Insurance

#9 2008-07-02 11:45:43

Re: UTV Insurance

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