RZR - insurance coverage? - Polaris RZR Forum - RZR Forums.net

General RZR Discussion For General Polaris RZR discussion

Reply
 
LinkBack Thread Tools Display Modes
post #1 of 64 Old July 12th, 2008, 01:40 PM Thread Starter
Feedback Score: 0 reviews
 
gdog's Avatar
 
Join Date: Dec 2007
Location: Sandy, UT
Posts: 464
RZR - insurance coverage?

Seeing the post regarding the "burnt" RZR...what coverage does everyone carry on their machine? Would comprehensive cover something like that?

I need to insure mine and am not worried about collision...just comprehensive in case it's stolen or if it burns up....

Thoughts???
gdog is offline  
Sponsored Links
Advertisement
 
post #2 of 64 Old July 12th, 2008, 03:03 PM
Feedback Score: 0 reviews
 
blcoonrod's Avatar
 
Join Date: Jun 2008
Posts: 192
Re: RZR - insurance coverage?

I carry full coverage with no liability. It cost about $200 a year. Its worth every penny of that IMO. It will also cover if you have a wreck and do alot of damage. I think it is a $500 deductable. Also covers theft and fire. My provider is State Farm.

08 Red Rzr: ITP 14" 212's, 26" Bighorns, 1.5" wheel adapters, Xtreme 3" lift, Viper Max 4500lb winch with amsteel rope, Custom snorkels, Custom mounted Ammo Cans, Polaris: Pre runner bumpers, cargo net, cargo rack, over head bag, plastic top, rock sliders, and billet steering wheel, Fender flares, front and rear lights, Custom amp/switch box, MTX wakeboard speakers.
blcoonrod is offline  
post #3 of 64 Old July 12th, 2008, 03:25 PM
Feedback Score: 0 reviews
 
outlandish's Avatar
 
Join Date: May 2008
Location: Aurora, MN
Posts: 74
Re: RZR - insurance coverage?

I have full coverage at American Family Ins. with $500 deductible also and it's around $180 w/ liability. Cheap peace of mind. I have car, truck and sleds with them too so I think discounts are applied for multiple vehicles.
outlandish is offline  
Sponsored Links
Advertisement
 
post #4 of 64 Old July 12th, 2008, 03:55 PM
razor abuser
Feedback Score: 0 reviews
 
ohiotodd's Avatar
 
Join Date: Mar 2008
Location: frazeysburg ohio
Posts: 386
Re: RZR - insurance coverage?

though everybody would have ins when you paid well over 10000 for it full coverage all the way bud ... my last rollover costed 4600 that 200 a year for ins well spent
ohiotodd is offline  
post #5 of 64 Old July 12th, 2008, 03:59 PM
Feedback Score: 0 reviews
 
ddog9600's Avatar
 
Join Date: May 2008
Posts: 18
Re: RZR - insurance coverage?

Mine is through Progressive with full coverage and liabilty, it's like 280 a year. I needed it to be street legal and I'm glad I have it after thinking about it burning up or getting stolen. This thing cost way too much not to have some kind of insurance.

ddog9600 is offline  
post #6 of 64 Old July 12th, 2008, 04:53 PM
Feedback Score: 16 reviews
 
guy48065's Avatar
 
Join Date: Aug 2007
Location: In the thumb, MI
Posts: 4,176
Garage
Re: RZR - insurance coverage?

Progressive. Full collision , comp and big-dollar liability. With all the lawsuits you keep reading about of people getting a million $ judgment for suffering a hangnail, it doesn't make sense to settle for the standard $40,000 limit Progressive defaults to in their online quotes. $1M liability only cost about $15 more.

_______________________________

Romeo, MI

guy48065 is offline  
post #7 of 64 Old July 12th, 2008, 05:24 PM
Feedback Score: 0 reviews
 
dgal's Avatar
 
Join Date: Dec 2007
Posts: 268
Re: RZR - insurance coverage?

Up here in Canada lawsuits are not as common as the USA.I don't think you can even get insurance for a ATV.I might be wrong but where I live theft is almost nill.If I roll over I don't mind paying but if a machine with 59 hours and 2 hours since a new motor gets put in by a dealer burns up I don't think insurance would cover anyway.Obviously someone is responsible"dealer in my case"
dgal is offline  
post #8 of 64 Old July 12th, 2008, 10:52 PM
Feedback Score: 0 reviews
 
Jeffro's Avatar
 
Join Date: May 2008
Location: Black Hills, SD
Posts: 215
Re: RZR - insurance coverage?

Im only 24 years old keep that in mind. I have USAA insurance by far the best insurance company out there. I pay 150$ a year for full coverage with a 100$ comprehensive and a 200$ collision deductible. IT covers everything that could happen to it and my medical payments are 100k per person in each vehicle! VERY good coverage I feel like im stealing it! Plus I get dividends each year from profits.

Jeffro

08' Green Polaris Rzr (Gen 3)
26" ITP Mudlite XTR's on 12" Vision Bruiser Wheels
Deluxe Front & Rear Brushguards
3500lb Polaris Winch
Jeffro is offline  
post #9 of 64 Old July 13th, 2008, 02:39 PM
Feedback Score: 0 reviews
 
Texas TC's Avatar
 
Join Date: Jul 2008
Location: Corinth, Texas
Posts: 69
Re: RZR - insurance coverage?

I, too, have Progressive with $500,000 liability, $250 deductible, $3000 in accessory coverage, and coverage for damage to the trailer that hauls it to the trails. Total cost here in Texas is $277 per year which I feel is a cheap peace of mind for a $10,000+ toy.
Texas TC is offline  
post #10 of 64 Old July 14th, 2008, 07:41 AM
Feedback Score: 0 reviews
 
TxHighroller's Avatar
 
Join Date: Jun 2008
Location: Georgia
Posts: 64
Re: RZR - insurance coverage?

How many of you are insuring your RZR on your Auto Policy and how many of you are insuring your RZR on a seperate policy?
TxHighroller is offline  
post #11 of 64 Old July 14th, 2008, 08:05 AM
Feedback Score: 0 reviews
 
Texas TC's Avatar
 
Join Date: Jul 2008
Location: Corinth, Texas
Posts: 69
Re: RZR - insurance coverage?

The RZR is on its own policy and I am the only driver listed. I have motorcycle and auto insurance on separate policies with other carriers. Progressive was the best deal I could find on the RZR. Other carriers did not insure ATV's.
Texas TC is offline  
post #12 of 64 Old October 23rd, 2009, 11:46 AM
Feedback Score: 1 reviews
 
GenDis's Avatar
 
Join Date: Sep 2009
Location: Spring, Tx
Posts: 425
Re: RZR - insurance coverage?

Why in the hell are my quotes coming in over $640 for a whole year????

I do not have any violations, accidents, etc...and my credit is about 700.

I got a quote from progressive and they quoted $840 a year. WTF????


EDIT: I just received a quote from Geico and they came in lower than most at $415 a year. Still seems expensive considering I don't drive it as much as my car and my car insurace is about $600 a year.

Last edited by GenDis; October 23rd, 2009 at 11:53 AM.
GenDis is offline  
post #13 of 64 Old October 23rd, 2009, 12:40 PM
Feedback Score: 0 reviews
 
Texas TC's Avatar
 
Join Date: Jul 2008
Location: Corinth, Texas
Posts: 69
Re: RZR - insurance coverage?

My quote was high when I did it on the internet. I went to my agent and the price fell substantially.
Texas TC is offline  
post #14 of 64 Old October 23rd, 2009, 12:43 PM
Feedback Score: 1 reviews
 
GenDis's Avatar
 
Join Date: Sep 2009
Location: Spring, Tx
Posts: 425
Re: RZR - insurance coverage?

well I may have to give one of these a call..possibly to Geico since they have been by far the cheapest.

thanks for the help.
GenDis is offline  
post #15 of 64 Old October 23rd, 2009, 06:04 PM
Feedback Score: 1 reviews
 
JONMILES's Avatar
 
Join Date: May 2009
Location: Clarion Co, Pa
Posts: 183
Re: RZR - insurance coverage?

got mine with erie ins 223 per year for full coverage..same coverages i got on my 09 f150..only i got the rzr on its own policy that way if something happens it doesnt go against my auto ins
JONMILES is offline  
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Polaris RZR Forum - RZR Forums.net forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Similar Threads
Thread Thread Starter Forum Replies Last Post
RZR Insurance Liftedpowerstroke General RZR Discussion 10 November 20th, 2008 01:21 PM
New Mudinyeri UHMW Full Coverage Skid Mudinyeri Polaris RZR Parts For Sale 4 September 20th, 2008 07:16 AM
Insurance HivoltageRZR General RZR Discussion 0 July 24th, 2008 08:36 PM
Insurance... Jeffro General RZR Discussion 3 May 21st, 2008 07:02 PM
Insurance vmax4 General RZR Discussion 8 April 29th, 2008 06:50 AM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome