Who has insurance on their SXS?

[russknight]

I went through a loophole in Florida and can ride mine anywhere.

 

[Admin]

 

[JollyRoger]

I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?

I added my P5 (with full coverage) to my other homeowners, autos, camper policies @Mountain West Farm Bureau for only $135 per year. Was thinking of switching ins. companies because homeowner policy is higher than USAA (veteran), but auto and camper policies are cheaper with Farm Bureau, making up for the difference at USAA--and then some.

 

[Wray]

Allstate. $120 a year. Full coverage but theft is my concern. Rural Choctaw Co Mississippi atv/Utv is a big theft problem.

 

[Reloder28]

Full from progressive with FULL accessories coverage.

Just reupped $217/year

Me too, same deal with Progressive. $228 annually.

 

[Ridgeline1]

$138 Full coverage Progressive/ $1000 deductable. It's a no brainer on 18k machine.

 

[bs4u00]

We have our insurance thru Secura. Have it under our homeowner's policy/umbrella. 12k of coverage for $347/yr. This is full coverage. You have think about if someone gets hurt while riding or something as simple as it beging stolen. Even if its just your friend riding it and they get hurt, you need coverage. They bang their head and you have a 200k bill on your hands.

 

[flagator84]

I have Foremost through a local agent who is a long time friend. He also has this insurance personally for his SXS. I pay $106/year for full coverage (Liability, $300K Each person/$300K each accident/$15K property damage each accident, collision $15K $500 Ded, other than collision (theft and other things) $15K $500 Fed, optional equipment $3.5K.) Deductibles are diminishing, 25% each renewal. Not sure if you have to go through an agent.but. I pay direct to Foremost online. Here is the link: ATV Insurance | Off-Road Vehicle Insurance | Foremost Insurance Group

 

[renosxs]

$250 annually with Geico, I’m less concerned about the ride then any injuries.

 

[Caper]

Everything but collision.
Got to have it to cross highways up here. Plus the theft is peace of mind.

Caper

 

[bwetzel]

Full coverage through Progressive, it was $13 more a year to add replacement value coverage (vs. actual cash value) so no-brainer there. Beginning of June I found a hole and broke the upper A-arm mount/bracket off the frame. Just found out last week it’s about $5k in damage, which is covered but they are fixing it which is a month lead time at best. I was told by adjuster that machine (‘17 P1k) booked at $13k and it’d take $9k in damage to total it, which I’d prefer. Adjuster said it takes a lot for Progressive to total out. I will say they have been really good to work with, basically no questions asked and cut a check.

 

[hacksawjoe]

Not having insurance is like playing Russian Roulette, do you really want to take the chance?

I have a 700-4 and a big red muv full coverage on both is $200 a year for both through nationwide also have extended warrenty on 700-4 for 5 yrs cost me &560

 

[PolkaJoe]

Just renewed last week. 238.00 for annual full coverage and accessories for my motorcycle AND the pioneer from progressive.

 

[Sparky69]

I have full coverage as well on my 2019 P1000 EPS. I added over 11K of accessories and just added it to my 2001 TRX 450 Foremans policy, $317.00 per year but insured for $30K. Cant go wrong with the amount invested. Happy Trails

 

[Sparky69]

With Progressive

 

[Alcat]

I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?

I pay 129.00 a year full coverage. IMT Insurance out of Iowa. 2917 700-4.

 

[Michael_B]

I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?

Oh yeah, I've got full coverage on my SXS and everything else. It's well worth it.

 

[Perk]

I have to have full coverage on all golf cart to drive where we go on vacation.

I have thought about it for the sxs. Mostly for theft.
Haven't been riding on group rides with strangers so collision seems needless.
Just private land with friends in dense places and is slow going thru creeks and heavy brush.
I plan to pay as I go for repairs not under warranty.

Any one, any advice?

I have full coverage, it's on my auto insurance with my camper and vehicles through Erie

 

[BillEwing]

Geico full coverage 700-4 street legal plus Polaris 500 4 wheeler 300.00 per year

 

[SteveBC2013]

Be glad you are not in Canada. I just got the re-up quote for my 2017 P700-4....$871.00 CAD. Covers everything, but still....

 

[WeTheNorth4X4]

Require it here in Ontario if you're going to drive on the side of the road.
My policy is $321/year.