Snowmobile Insurance

Sully · 12-22-2009, 08:12 AM

I am a year round Moultonboro resident about to finally join the sport of snowmobiling. I was just quoted $700 a year to insure a 2009 SkiDoo GTX.
Can anyone shed light on the cost of snowmoblie insurance? My SeaDoo insurance is less than half the cost. Just looking for some experienced guidance. Thank you and Happy Holidays to all.

BroadHopper · 12-22-2009, 08:22 AM

Quote:

Originally Posted by Sully

I am a year round Moultonboro resident about to finally join the sport of snowmobiling. I was just quoted $700 a year to insure a 2009 SkiDoo GTX.
Can anyone shed light on the cost of snowmoblie insurance? My SeaDoo insurance is less than half the cost. Just looking for some experienced guidance. Thank you and Happy Holidays to all.

The size of the motor makes a big difference. With my insurance company, dropping below 500cc cuts the insurance in half. As for the boat, Less than 300 HP or a small block cuts the cost almost 66%!

I insure my 'toys' with the same company I insure my home and car. Great multi policy discount.

ishoot308 · 12-22-2009, 09:09 AM

Quote:

Originally Posted by Sully

I am a year round Moultonboro resident about to finally join the sport of snowmobiling. I was just quoted $700 a year to insure a 2009 SkiDoo GTX.
Can anyone shed light on the cost of snowmoblie insurance? My SeaDoo insurance is less than half the cost. Just looking for some experienced guidance. Thank you and Happy Holidays to all.

That price is absolutely ridiculous!! I have a 2009 SkiDoo Adrenaline Etec and I pay around $150.00 for the entire year! My policy is through Lee Belanger Allstate out of Manchester.

Dan

WINNOCTURN · 12-22-2009, 09:47 AM

SULLY,

I use Kurt Wicks out of Manchester(603-668-7228). He is an Allstate agent. I have all my insurances with him/Allstate. I have 2 "older" "97", "91" Polaris sleds that my annual cost is $79.00. Even when the 97 XLT 600cc was brand new it less than half of what any other insurer was quoting.

As for that $700.00 quote, If this guy is providing you with other insurances, I would start look for another agent and insurer fast.

This link has a good over all discussion of insurance.

Link:
http://www.slednh.com/forums/index.p...8&hl=insurance

PS: did you join a local Club to get the $30.00 discount on your registration?

chipj29 · 12-22-2009, 01:44 PM

I had my '04 Ski Doo 600 insured with Progressive a few years ago...$600/yr
I switched to Liberty Mutual for a year...$300/yr
I have since switched to Allstate (Kurt Wicks)...$165/yr. In fact I just added a 2009 Ski Doo 600, and the cost for both sleds is less than what I was paying Liberty Mutual for one single sled.

So, I highly recommend Kurt Wicks-Allstate out of Manchester. Give them a call, you will have a quote in no time.

boat_guy64 · 12-22-2009, 01:54 PM

I second Allstate and Kurt Wicks. I was paying $600 for two sleds. I just bought a new Polaris Dragon added to my Polaris FST and both sleds were insured for a total of $236.40 with a $100 deductible and 250k/500k coverage. I called and had a quote in 30 minutes.

Seeker · 12-26-2009, 10:22 AM

I switched from Liberty to Allstate and saved over 50%. these are sample rates from my agent in Rochester, Scott Sherman for any of you down that way. I believe they both advertise in the Sno-Traveler. BTW I got an even higher price from Progressive than from Liberty.

Here are 4 examples!
2010 Polaris 600 HO FUSION
2010 Yamaha Venture 600
2010 Skidoo MX Z X 600 Renegade SDI
2010 Arctic Cat Bearcat 660T
The above models come up with the same premium.
Other Models and CC's are just as LOW!
COVERAGE LIMITS PREMIUMS
Bodily Injury 100/300 5.40
Property Damage 50 3.52
Guest Liability 100/300 6.63
Medical Payments 5000 15.40
Collision 100 DED 64.60
Comprehensive 100 DED 24.14
Optional Equipment 1000 Included
VEHICLE TOTAL PREMIUMS 119.69

Uninsured/Underinsured Motorist 100/300 10.42

TOTAL ANNUAL PREMIUM $130.11

Sully · 12-28-2009, 11:01 AM

Thank you all for the feedback.

I have insured through Allstate. I guess the snowmobile insurance business is as big a scam as the rest of the insurance world.....

I appreciate the great feedback from each of you.

SPT13 · 01-07-2010, 08:57 AM

Wish I had seen this before!! Came into work Mon morning after the long weekend to find that someone had cut the lock to our fenced in yard. Stole my white Snow Dock clamshell traler, 94 Arctic Cat Panter Deluxe, & 2000 Polaris 600 touring sled. Had never thought about having insurance on the toys

Smitty1 · 01-07-2010, 10:30 AM

I just called Kurt Wicks Allstate and they are outstanding.

Had a quote in about 10 minutes.

My Liberty Mutual policy for 2 sleds was $392 with $500 deductibles

My new Allstate policy is $173 with $100 deductibles!

Thats alot of gas for the sleds!!!!!

Smitty

BroadHopper · 01-07-2010, 11:07 AM

is the local Allstate rep if you want to stay local. Very courteous guy.

Because I have my properties insured with Hartford, my sled and trailer premium is below $100.

MAXUM · 01-18-2010, 04:33 PM

Best bet is to go with a larger carrier, that way you have no worries about crossing state lines or going into Canada, although you if you venture into Canada it'd be advisable to check with your insurance company to be sure they will cover you up there. Theft is a HUGE problem in Canada.

I have full coverage on both my machines via State Farm with $100.00 deductibles on each. Cost is $100 and $106 per sled per year respectively. That's for identical coverage as posted for Allstate earlier.

Even your sea doo coverage seems pretty high. I'd consider getting a quote for that if your in the process of shopping around.

ishoot308 · 01-19-2010, 07:47 PM

Quote:

Originally Posted by MAXUM

Best bet is to go with a larger carrier, that way you have no worries about crossing state lines or going into Canada, although you if you venture into Canada it'd be advisable to check with your insurance company to be sure they will cover you up there. Theft is a HUGE problem in Canada.

I have full coverage on both my machines via State Farm with $100.00 deductibles on each. Cost is $100 and $106 per sled per year respectively. That's for identical coverage as posted for Allstate earlier.

Even your sea doo coverage seems pretty high. I'd consider getting a quote for that if your in the process of shopping around.

Hi Maxum;

Is that for year round coverage or seasonal?? The reason I ask is I have State farm for my home, auto and umbrella policy and have been with them for 20 + years. They could not even come close to Allstate for Snowmobiles and Progressive for my boats...

Dan

12-22-2009, 08:12 AM	#1
Sully Member Join Date: Apr 2004 Posts: 49 Thanks: 110 Thanked 10 Times in 6 Posts	Snowmobile Insurance I am a year round Moultonboro resident about to finally join the sport of snowmobiling. I was just quoted $700 a year to insure a 2009 SkiDoo GTX. Can anyone shed light on the cost of snowmoblie insurance? My SeaDoo insurance is less than half the cost. Just looking for some experienced guidance. Thank you and Happy Holidays to all.

12-22-2009, 09:47 AM	#4
WINNOCTURN Deceased Member Join Date: Dec 2004 Location: Moultonboro Posts: 849 Thanks: 350 Thanked 351 Times in 193 Posts	Check out Thread on SLedNH SULLY, I use Kurt Wicks out of Manchester(603-668-7228). He is an Allstate agent. I have all my insurances with him/Allstate. I have 2 "older" "97", "91" Polaris sleds that my annual cost is $79.00. Even when the 97 XLT 600cc was brand new it less than half of what any other insurer was quoting. As for that $700.00 quote, If this guy is providing you with other insurances, I would start look for another agent and insurer fast. This link has a good over all discussion of insurance. Link: http://www.slednh.com/forums/index.p...8&hl=insurance PS: did you join a local Club to get the $30.00 discount on your registration?

12-22-2009, 01:44 PM	#5
chipj29 Senior Member Join Date: Apr 2004 Location: Bow Posts: 1,874 Thanks: 521 Thanked 308 Times in 162 Posts	I had my '04 Ski Doo 600 insured with Progressive a few years ago...$600/yr I switched to Liberty Mutual for a year...$300/yr I have since switched to Allstate (Kurt Wicks)...$165/yr. In fact I just added a 2009 Ski Doo 600, and the cost for both sleds is less than what I was paying Liberty Mutual for one single sled. So, I highly recommend Kurt Wicks-Allstate out of Manchester. Give them a call, you will have a quote in no time. __________________ Getting ready for winter!

12-22-2009, 01:54 PM	#6
boat_guy64 Senior Member Join Date: Aug 2006 Location: Windham and Meredith Posts: 225 Blog Entries: 5 Thanks: 33 Thanked 89 Times in 42 Posts	Allstate I second Allstate and Kurt Wicks. I was paying $600 for two sleds. I just bought a new Polaris Dragon added to my Polaris FST and both sleds were insured for a total of $236.40 with a $100 deductible and 250k/500k coverage. I called and had a quote in 30 minutes.

12-28-2009, 11:01 AM	#8
Sully Member Join Date: Apr 2004 Posts: 49 Thanks: 110 Thanked 10 Times in 6 Posts	Thank you Thank you all for the feedback. I have insured through Allstate. I guess the snowmobile insurance business is as big a scam as the rest of the insurance world..... I appreciate the great feedback from each of you.

The Following User Says Thank You to BroadHopper For This Useful Post:
Sully (12-22-2009)

12-26-2009, 10:22 AM	#7
Seeker Senior Member Join Date: Nov 2007 Location: Effingham Posts: 408 Thanks: 37 Thanked 19 Times in 15 Posts	I switched from Liberty to Allstate and saved over 50%. these are sample rates from my agent in Rochester, Scott Sherman for any of you down that way. I believe they both advertise in the Sno-Traveler. BTW I got an even higher price from Progressive than from Liberty. Here are 4 examples! 2010 Polaris 600 HO FUSION 2010 Yamaha Venture 600 2010 Skidoo MX Z X 600 Renegade SDI 2010 Arctic Cat Bearcat 660T The above models come up with the same premium. Other Models and CC's are just as LOW! COVERAGE LIMITS PREMIUMS Bodily Injury 100/300 5.40 Property Damage 50 3.52 Guest Liability 100/300 6.63 Medical Payments 5000 15.40 Collision 100 DED 64.60 Comprehensive 100 DED 24.14 Optional Equipment 1000 Included VEHICLE TOTAL PREMIUMS 119.69 Uninsured/Underinsured Motorist 100/300 10.42 TOTAL ANNUAL PREMIUM $130.11

The Following 2 Users Say Thank You to Sully For This Useful Post:
Smitty1 (12-29-2009), WINNOCTURN (12-28-2009)

01-07-2010, 08:57 AM	#9
SPT13 Senior Member Join Date: Jan 2009 Location: Weymouth Ma/Gilford when I can! Posts: 63 Thanks: 112 Thanked 7 Times in 7 Posts	A little late ! Wish I had seen this before!! Came into work Mon morning after the long weekend to find that someone had cut the lock to our fenced in yard. Stole my white Snow Dock clamshell traler, 94 Arctic Cat Panter Deluxe, & 2000 Polaris 600 touring sled. Had never thought about having insurance on the toys

01-07-2010, 10:30 AM	#10
Smitty1 Senior Member Join Date: Jan 2006 Location: Moultonborough, NH Posts: 142 Thanks: 44 Thanked 14 Times in 5 Posts	I just called Kurt Wicks Allstate and they are outstanding. Had a quote in about 10 minutes. My Liberty Mutual policy for 2 sleds was $392 with $500 deductibles My new Allstate policy is $173 with $100 deductibles! Thats alot of gas for the sleds!!!!! Smitty

01-07-2010, 11:07 AM	#11
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,512 Thanks: 3,118 Thanked 1,090 Times in 784 Posts	Thom Francouer is the local Allstate rep if you want to stay local. Very courteous guy. Because I have my properties insured with Hartford, my sled and trailer premium is below $100. __________________ Someday may never be an actual day.

01-18-2010, 04:33 PM	#12
MAXUM Senior Member Join Date: Apr 2004 Location: Kuna ID Posts: 2,755 Thanks: 246 Thanked 1,942 Times in 802 Posts	Best bet is to go with a larger carrier, that way you have no worries about crossing state lines or going into Canada, although you if you venture into Canada it'd be advisable to check with your insurance company to be sure they will cover you up there. Theft is a HUGE problem in Canada. I have full coverage on both my machines via State Farm with $100.00 deductibles on each. Cost is $100 and $106 per sled per year respectively. That's for identical coverage as posted for Allstate earlier. Even your sea doo coverage seems pretty high. I'd consider getting a quote for that if your in the process of shopping around.