Just talked to Allstate again. They seem to be in a state of flux with respect to what they are quoting and the distinction between a golf cart and an LSV. They acknowledged that when I called several weeks ago that they were quoting 120-160, but they said that they were then writing them up as golf carts. Since then, with all of the increased attention as a result of the tax credit Allstate has decided that since it must be registered and licensed they have to charge a higher rate corresponding to an auto policy. So, they are now quoting $440 as their lowest policy. However, they are trying to work through the corporate bureaucracy and get that reduced since the risk factor between an LSV and a golf cart driven in the villages is very similar.
Even with the higher insurance rate, the 5-year cost picture is still $2500 in favor of an LSV over a golf cart.
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