Not everyone has insurance, it is the smart thing to do but not required. For 2 carts I think I pay $500 but really don’t remember the cost. If you go electric, you will have the cost of batteries every few years. As said, trail pass for golfing if you plan to use your cart. Other options are a monthly pass for $20 or a pay as you go of $4 per person per round of golf.
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