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Who pays the least for snowmobile insurance?
started by arcticcatmatt
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January 7th 2009 at 7:57 PM
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97xlt600
Average Member
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680 Posts 
Group: Members
Member Since: November 8th 2006
Location: Yale, michigan, USA
Current Sled: 1997 xlt
2008-2009 Miles: 370kaboom
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Don't have it don't need it in Michigan only thing I have to worry about is collision no one is going to steel my sled its locked up every night.
1997 xlt 600 trips beat a pair every time... IF they hold together!!!!
1992 wrangler lifted a lot of fun.
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Site Supporter
Group: Site Supporters
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January 8th 2009 at 7:27 AM
[ Modified January 8th 2009 at 7:34 AM
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triplepleasure
Senior Member
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2056 Posts 
Group: Members
Member Since: February 26th 2004
Location: CT, USA
Current Sled: 2007 MXZ 600 HO SDI Blizz
2008-2009 Miles: 1230
2009-2010 Miles: 0
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^^^^^^^^^^^^^^^
Never say never man. Locks only keep the honest people honest.
Great topic Matt. For those of you listing what you pay for insurance w/just a number you really have to name the year, model and disp of the sled you are insuring as well. The amount of your deductble also plays into this as well as whether you insure for all or just part of the year. I pay (probably too much) $275 for liability, fire, theft, and collision on my 07 MXZ Blizzard 600HO SDI and $148 for the same coverage for my '04 Supersport 550F. Both of which carry a $500 deductable. This is through State Farm. This works out to $417 a year or $34/mo. I insure the sleds year round. Looks Like I will need to make a few calls. Polarisracer55...I am definetly going to need your agents #!!!! $100 a year for full coverage for an 07 IQ 600???? Really?????
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January 8th 2009 at 12:23 PM
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pigboy
banned
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3107 Posts
Group: Members
Member Since: December 23rd 2002
Location: hermantown, mn, USA
Current Sled: 1997 XLTsp
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I pay zero dollars a year. After ten years and with the sled only being worth a grand, my gamble has paid off.
I reject your reality and substitute my own. 
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January 8th 2009 at 4:47 PM
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JFDJason
New Member
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90 Posts 
Group: Members
Member Since: December 15th 2005
Location: Jordan, MN, USA
Current Sled: 1993 Polaris XCR
2008-2009 Miles: 800
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89 Yamaha Exciter
93 Polaris XCR
97 Polaris Indy Trail
98 Polaris Classic 2-up
$136.00 full coverage thru State Farm
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January 8th 2009 at 5:45 PM
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Racing666
Junior Member
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498 Posts 
Group: Members
Member Since: September 16th 2006
Current Sled: 99 Vmax SX 600 Triple
2008-2009 Miles: 0
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$600 fine for getting caught here with no insurance...
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January 8th 2009 at 6:12 PM
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pierrelogic
Thin air addict
pierrelogic Gearing up for W. Yellowstone.
Updated Wednesday at 9:22 PM
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708 Posts
Group: Members
Member Since: December 1st 2006
Location: Reynoldsburg, OH, USA
Current Sled: Rental??
2008-2009 Miles: 2317
2009-2010 Miles: 1000+
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Yea, great topic ACM! I always thought insurance for a sled would be a lot higher. Being able to suspend is a nice option. If you own a quad runner, maybe you could suspend one then the other for 6 months each? Intereting thought...
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January 8th 2009 at 6:21 PM
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bigrok
Oatty
bigrok is not looking forward to going back to "paradise".
Updated Tuesday at 11:59 AM
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1543 Posts 
Group: Members
Member Since: February 23rd 2006
Location: Kailua, HI, USA
Current Sled: NONE!! :(
2008-2009 Miles: 73
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$0. My dad pays for it since he's an insurance agent for Farm Bureau. I help him on the farm in exchange for him paying my insurance for my sled.
I need big jugs on my sled, cuz my girl doesn't.
2007 Dodge Ram 2500
~5.9L CUMMINS TURBO DIESEL, auto, quad cab, short box, B&W gooseneck hitch, silencer ring MIA, torque tube baffles MIA, Smarty Jr POD, Aero Turbine 4040XL, ISSPRO gauges (boost, trans temp & EGT).....Wish list: 18"x9" XD Spy wheels, 33" tires, Smarty Sr, AFE Intake
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January 8th 2009 at 7:44 PM
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casingbill
Starting Member
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27 Posts
Group: Members
Member Since: December 27th 2008
Location: Stanfordville, NY, USA
Current Sled: 1997 Polaris Storm 800
2008-2009 Miles: 1
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97 storm
96 xlt 2up
$126 a year for both...just liability
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January 8th 2009 at 8:30 PM
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gordonchaine
Lost never to be found.
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1803 Posts
Group: Members
Member Since: December 5th 2008
Location: Wilmington, Vermont, USA
Current Sled: 2007 polaris edge xc
2008-2009 Miles: 1200
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07 Polaris edge XC SP 500, 21 years old in Vermont: $110 for six months for liability.
What's your problem? RUFWM?
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January 8th 2009 at 8:43 PM
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acrox1220
New Member
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56 Posts
Group: Members
Member Since: May 27th 2008
Location: Greenville, Maine, USA
Current Sled: 2007 Arctic Cat F5 LXR
2008-2009 Miles: 3800
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Whoever doesn't have insurance I think should get it. I wrecked last March, and I payed a little over a thousand out of pocket for all cosmetic damage and labor fees, and where the dealer is a good friend he got me the best deal possible. I'm 15 and I don't make much, but its still got to be a lot of money to pay for someone who has a full time job.
Tony Murray
2007 Arctic Cat F5 EFI LXR
2001 Arctic Cat 400
acrox1220@yahoo.com
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January 8th 2009 at 8:55 PM
[ Modified January 8th 2009 at 8:55 PM
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gordonchaine
Lost never to be found.
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1803 Posts
Group: Members
Member Since: December 5th 2008
Location: Wilmington, Vermont, USA
Current Sled: 2007 polaris edge xc
2008-2009 Miles: 1200
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Quote originally posted by acrox1220 Whoever doesn't have insurance I think should get it. I wrecked last March, and I payed a little over a thousand out of pocket for all cosmetic damage and labor fees, and where the dealer is a good friend he got me the best deal possible. I'm 15 and I don't make much, but its still got to be a lot of money to pay for someone who has a full time job. Couldn't have been that bad of a wreck if was only $1000 after labor. I banged my sled up the other day and it was about $800 Bucks. I did all the work and many of the parts were secd. hand, left over.
What's your problem? RUFWM?
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January 9th 2009 at 2:38 AM
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rev500ss
Moderator
rev500ss is up early and off to go hunting with his boy.
Updated November 14th 2009 at 5:00 AM
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3236 Posts 
Group: Moderators
Member Since: October 20th 2005
Location: Royal Center, IN, USA
Current Sled: 2005 MXZ 500 SS (136")
2008-2009 Miles: 120
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I pay 15.00 monthly for full coverage on my sled, through Farm Bureau Insurance.
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January 9th 2009 at 2:52 PM
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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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i'm getting doinked!!!!! $480 a year full coverage for both sleds NO deductible with hartford out of illinois.
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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January 9th 2009 at 4:54 PM
[ Modified January 9th 2009 at 4:55 PM
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EMTP579
Trail Medic
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365 Posts
Group: Members
Member Since: February 10th 2008
Location: Vestal, NY, USA
Current Sled: 2009 Yamaha Apex
2008-2009 Miles: 1600
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I pay $28 for liability (NYS required) only. My sled is old enough where collision did not make it worthwhile. The insurance is cheap because it does not pay medical expenses for you if you get injured. That is a big part of the cost. State Farm with multiline discount
Ride safe and sober! Make every ride a round trip.
Upstate NY guys - join a fun local board - Twin Teir Sleddin': www.twintiersleddin.proboards76.com
NY GIANTS - 2008 Super Bowl Champions!
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January 9th 2009 at 4:59 PM
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440_jag
450 horse ditch bannger
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1488 Posts
Group: Members
Member Since: July 30th 2007
Location: Galesville, wisconsin, USA
Current Sled: 2002 zr 500 cce
2008-2009 Miles: 500
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So does full coverage protect you and the sled in any problem. Do you get what the sled was worth if you smash it?
2002 Zr 500 CCE
D&D pipe ported polished y 6 inch riser Acerbis Handguards Chrome winshield Pro-glider Rack Rsi pad Ripped graphics Fox snow pro shocks clickers
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January 9th 2009 at 5:46 PM
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gordonchaine
Lost never to be found.
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1803 Posts
Group: Members
Member Since: December 5th 2008
Location: Wilmington, Vermont, USA
Current Sled: 2007 polaris edge xc
2008-2009 Miles: 1200
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Quote originally posted by 440_jag
So does full coverage protect you and the sled in any problem. Do you get what the sled was worth if you smash it?
Yeah. Just like car insurance.
What's your problem? RUFWM?
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January 9th 2009 at 7:40 PM
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This post has been blocked by a moderator because it is considered highly offensive, inappropriate, and/or completely off-topic.
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January 9th 2009 at 11:20 PM
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erick
Alternate Realities
erick pretty much excited that it's Friday, though there are no plans for the weekend yet!
Updated Yesterday at 11:45 AM
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11495 Posts 
Group: Administrators
Member Since: April 10th 2001
Location: Strathcona, MN, USA
Current Sled: IQr 800 & RMK 800
2008-2009 Miles: 800
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For me it usually runs anywhere from $80 to $100 per year per sled with State Farm for liability and comprehensive insurance.
Breaking free from the thoughts in my mind
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January 10th 2009 at 8:41 AM
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MATTZR580
Starting Member
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11 Posts
Group: Members
Member Since: January 6th 2009
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Here in Pa its reqired to have insurance if you are riding on state property, none if on your own. I have a 95 zr580 and I just got it insured through State Farm. Liability alone was $63 and there were several diff. options for the collision and Comprehensive part, all depends on how much of a deductible you wanted to pay the less the ded. the more exp. per year. I have a $250 ded. and it's $111 dollars a year, $111. + $63 =$174. per year, I also have all my vehicles, life, homeowners etc.. with them so I think there was a discount for that. Oh, and they wanted to know what the sled cost new (MSRP)! Didn't give a crap what its worth now, and also need to know the H.P. rating. In all get insurance like the others said at least liability and cover others property if you destroy it, CHEAPER THAN A LAWSUIT!!!!
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January 16th 2009 at 1:25 PM
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arcticcatmatt
Spleen Splitter
arcticcatmatt leaving after work for 3 days of shotgun season back home!
Updated Yesterday at 12:16 PM
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14007 Posts
Group: Moderators
Member Since: November 25th 2001
Location: Berkshire, NY, USA
Current Sled: 96/97 ZRT 600
2008-2009 Miles: 450
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State farm told me all sorts of crap. I gave up with them.
Just insured thru allstate.. 50 bucks liability. Have my vehicles and house with them.
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