Insurance

(evil0ne) · (evil0ne) **Join Date: Sep 2006** 09-24-2006, 1:22 PM

Like the loan post, who's got the best rates?

Progressive through USAA quoted me $1300 wheras Foremost was around $700.

(boarder_x) · (boarder_x) **Join Date: Mar 2006** 09-24-2006, 1:35 PM

USAA $353
WestMar $440

(99_slaunch) · (99_slaunch) **Join Date: Oct 2005** 09-24-2006, 1:48 PM

Mine is about $400 a year. I go through Farmers

(ladythump) · (ladythump) **Join Date: Jul 2004** 09-24-2006, 2:16 PM

I think mine is under $600 a year with Progressive.

(supreme_rob) · (supreme_rob) **Join Date: Sep 2005** 09-24-2006, 5:09 PM

progressive $500 a year

(99_slaunch) · (99_slaunch) **Join Date: Oct 2005** 09-24-2006, 5:17 PM

I had a bad experience with progressive. I had a vehicle that totaled and had a real hard time getting them to pay. I canceled them after I got paid.

vessel_assist 09-24-2006, 9:03 PM

Try to get a Marine Agent for your boat. Avoid the "Home and Auto" companies. BoatU.S., Twin Rivers in Antioch, West Mar in Stockton.

(waterzomby) · (waterzomby) **Join Date: Aug 2006** 09-24-2006, 9:36 PM

Just switched to Geico-ski safe, 300/year for an 06 V-ride with decent limits.

(etakk7) · (etakk7) **Join Date: Apr 2006** 09-24-2006, 10:09 PM

363 a year in Minneapolis through Progressive. My policy spells out an amount that they will pay, instead of them just "replacing" it, so I went over and above what the NADA is for a few dollars more.

(acurtis_ttu) · (acurtis_ttu) **Join Date: May 2004** 09-25-2006, 8:11 AM

1% of the total insured value is usually a good target.

I pay $478/year. I have higher liabilty coverages. Inssured value is $42k.

FYI, Ski-safe has a 3 month lay-up period in most of there coverages.

(rodmcinnis) · (rodmcinnis) **Join Date: Sep 2002** 09-25-2006, 10:01 AM

I have always used BOAT/US.

$500 deductible, $300K liability. The rate on all the boats I have insured has always come in at ~ 1% of the boats value, so if you have a $60,000 boat the insurance will be about $600

(chopper515) · (chopper515) **Join Date: Mar 2005** 09-25-2006, 11:07 AM

Make sure you get medical coverage. You can claim wakeboarding injuries on you boat insurance as long as you have medical. I have State Farm with $5,000 worth of medical coverage per claim. I’ve had 2 torn ACL’s in the past year and they are picking up 100% of my out of pocket expenses which was over 2 grand on my first surgery. This included doctor appointments and physical therapy. My upcoming surgery will be less because I have better health insurance now. I had no idea about this until someone let me know a couple of months ago so I made the claim, sent State Farm the bills, and they sent me check for the full amount!

(mossy44) · (mossy44) **Join Date: Oct 2001** 09-25-2006, 11:34 AM

i think specifics of your policy might help others out. for example, someone just telling me they pay $400 a year doesnt tell me too much. i am wondering this because i was paying full replacement value and my policy is around $900. i need to go get my policy and find out what the expensive part is. whatever it is, i need to change it!!!

(Message edited by mossy44 on September 25, 2006)