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Who gets insurance?
started by 95FormulaSS
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October 16th 2009 at 6:55 AM
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motodeficient
Waiting for more snow
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1358 Posts 
Group: Members
Member Since: July 21st 2007
Location: MAINE
Current Sled: 04 XC 660 SP
2008-2009 Miles: 800
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Quote originally posted by ACG
Carry full coverage from December to may and comprehensive in the summer. Most good agents can swing that deal for you if you ask.
Good idea, never thought of that.
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Site Supporter
Group: Site Supporters
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October 16th 2009 at 11:07 AM
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ridingthe600edge
sleds are all polished up and waiting for snow!!!
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566 Posts 
Group: Members
Member Since: December 12th 2008
Location: Lowell, In
Current Sled: 2001 600 edge/2009 600 IQ
2008-2009 Miles: 1200 done
2009-2010 Miles: 2=yard!
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full coverage on both of them $225 a year $250 deductable.
if you think you can get away without you would be sorry if you ran into me!
2001 600 edge X almond spring on primary with 60gm wieghts, s&s rumble pack, gutted air box 6" woodys doolys carbides,196 woodys 1 1/4" studs
2009 600 IQ shift all stock still a virgin!! not for much longer
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October 16th 2009 at 12:40 PM
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XLT96rider
Other sports play once a week, but this sport is with us every day.
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942 Posts
Group: Members
Member Since: January 7th 2009
Location: Wausau, Wisconsin, USA
Current Sled: 1996 Polaris XLT Special
2008-2009 Miles: 1000+
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Used to just put liability on it, but this year, I think I'm going to put on full coverage. Should only cost about $96 for the year.
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October 16th 2009 at 1:04 PM
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picman
Junior Member
picman is off to bag his buck. I hope. Skunked so far.
Updated Wednesday at 1:17 PM
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308 Posts 
Group: Members
Member Since: January 15th 2009
Location: Marinette, WI, USA
Current Sled: 1998 Polaris Ultra
2008-2009 Miles: 1145
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Quote originally posted by ACG
Carry full coverage from December to may and comprehensive in the summer. Most good agents can swing that deal for you if you ask.
If they won't, find someone who will. I'm just a pr@@K that way. Why give someone money for something you don't need. A simple phone call and you are done.
Find the line between respect and fear....then flirt with it
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October 16th 2009 at 11:46 PM
[ Modified October 17th 2009 at 12:05 AM
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polaris50thman
Starting Member
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19 Posts
Group: Members
Member Since: March 2nd 2008
Current Sled: 2008 Drago iq 600
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Quote originally posted by trailjunkie
insurance on my homeowners policy, didnt really cost much, I actually dont even notice the increase, but then my homeowners is paid in escrow, so i dont worry about it!!
Just a thought. A lot of insurance companys will not cover sled loss in your garage under your homeowners coverage.Better check your policy.
Quote originally posted by 95FormulaSS
I ride in NH and snowmobile insurance is not required. I think I will get a policy for my Sabercat. I just dropped over 4K for it and would like it covered and not to mention having the liability too. Who gets insurance and how much do you pay?
I would definitely get full coverage. If your house/garage burns down its covered. Your homeowners will not cover this. If you get in an accident on the trails its covered. You probably spend more in oil in a year.
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October 22nd 2009 at 1:49 PM
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xcr440
Sundowners Trail Coordinator
xcr440 is drinking high lifes polishing the sleds. Who wants to help....
Updated Over an hour ago
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12578 Posts 
Group: Members
Member Since: February 1st 2003
Location: St.Germain/Edgerton, Wisconsin, USA
Current Sled: 03prox700/97xcr440
2008-2009 Miles: 610
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I have everything but collision. I pay about $400 total for all the sleds and atv.
a good beer drinker isnt a picky beer drinker
Loggers.... Working their ass off so you can wipe yours!
"Steep ground is when your cutting a notch and notice a mountain goat looking at you like you are crazy." - Hexan
woodbooga: (WOOD-boog-ah), n. regional dialect, common to areas of New Hampshire and Maine including the towns of Ossipee, Alton, Farmington, Acton, and Lebanon; one who attempts to obtain free firewood to fuel woodburning appliances in an effort to mitigate expenses related to home heating with fossil fuels. Frequently used as a term of derision by non-woodburners who mock the presence of loose bark and other wood waste in the beds of their pickup trucks.
2003 Pro x 700 almond/blue,10-66 black/red team 719 T-flow, 440 mains
1997 xcr440 my clutch kit, 380 mains,T-flow
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October 22nd 2009 at 2:16 PM
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MNSLEDNECK56308
Senior Member
MNSLEDNECK56308 done working on trailer for the night!
Updated Thursday at 10:44 PM
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2710 Posts 
Group: Moderators
Member Since: January 12th 2004
Location: ALEXANDRIA, MN, USA
2008-2009 Miles: 1043
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I just got a quote for my new sled....state farm. $250 deduct. $335 a year or $266 a year for a $500 deduct. but i'm OLD too!!!!!
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October 22nd 2009 at 2:18 PM
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xcr440
Sundowners Trail Coordinator
xcr440 is drinking high lifes polishing the sleds. Who wants to help....
Updated Over an hour ago
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12578 Posts
Group: Members
Member Since: February 1st 2003
Location: St.Germain/Edgerton, Wisconsin, USA
Current Sled: 03prox700/97xcr440
2008-2009 Miles: 610
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wow.... For my 700 it is $125 + last I checked $100 for collision with a $500 deuctible. That is with am fam.
a good beer drinker isnt a picky beer drinker
Loggers.... Working their ass off so you can wipe yours!
"Steep ground is when your cutting a notch and notice a mountain goat looking at you like you are crazy." - Hexan
woodbooga: (WOOD-boog-ah), n. regional dialect, common to areas of New Hampshire and Maine including the towns of Ossipee, Alton, Farmington, Acton, and Lebanon; one who attempts to obtain free firewood to fuel woodburning appliances in an effort to mitigate expenses related to home heating with fossil fuels. Frequently used as a term of derision by non-woodburners who mock the presence of loose bark and other wood waste in the beds of their pickup trucks.
2003 Pro x 700 almond/blue,10-66 black/red team 719 T-flow, 440 mains
1997 xcr440 my clutch kit, 380 mains,T-flow
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October 22nd 2009 at 2:32 PM
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zxkid
not really a kid anymore :(
zxkid doesn't know what irritates him more..Home Depot, or their website!
Updated Yesterday at 10:23 AM
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491 Posts
Group: Members
Member Since: February 29th 2008
Location: N.Adams, MA, USA
Current Sled: 2004 F7 SnoPro EFI
2008-2009 Miles: 1312
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Vt requires, it. I have the basic Liability to cover injuries, property and someone else sled, and it's $156 for the year.
"To be old and wise, you must first be young and stupid"
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October 22nd 2009 at 2:33 PM
[ Modified October 22nd 2009 at 2:34 PM
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littlemel
New Member
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100 Posts 
Group: Members
Member Since: February 20th 2009
Location: Hartland, WI, USA
Current Sled: Polaris 1993 xlt Triple
2008-2009 Miles: 100
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I have liability and pay $30 year
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October 23rd 2009 at 8:45 PM
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stpanson
Junior Member
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193 Posts
Group: Members
Member Since: January 16th 2007
Location: Dassel, MN, USA
Current Sled: none
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Polaris50 is exactly right. Personal property is covered under your homeowner's policy, but check your dec sheets: it will list that any motorized vehicle other than equipment used to maintain the premises IS NOT covered.
Insurance is not required in MN, this language is slipped in to the declarations to get around having everything but "property insured elsewhere" insured. (your car burns in your garage, homeowners doesn't cover it because it's insured elsewhere- your personal auto policy)
sledless yooper
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October 24th 2009 at 8:01 AM
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picman
Junior Member
picman is off to bag his buck. I hope. Skunked so far.
Updated Wednesday at 1:17 PM
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308 Posts
Group: Members
Member Since: January 15th 2009
Location: Marinette, WI, USA
Current Sled: 1998 Polaris Ultra
2008-2009 Miles: 1145
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Just another way for the insurnace companies to get out of paying a claim. IMO
Find the line between respect and fear....then flirt with it
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