Quote:
Originally Posted by Bill14564
You're right, I have more coverage and lower deductibles for less cost.
Liability coverage is in the section labeled "Liability to Others." Physical damage to my cart is covered under Comprehensive and Collision.
You do see the words "Actual Cash Value at time of loss" on the Collision and Comprehensive lines. You could ask about "Full Replacement Cost" though that will certainly come at a higher price.
You're original post mentioned a $78 increase to a $309 plan an a Progressive quote of $209 for a $10K/$20K plan with a $1,000 deductible. What you just posted looks like a Progressive quote for $215 for a $100K/$300K plan with a $500 deductible. That seems like a pretty good quote compared to what you first described.
You asked about reputable companies with competitive pricing. To me, Progressive is a reputable company and the pricing seems very competitive.
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The pricing and coverage on your 23 ezgo is nearly identical to my 24 evolution, I think my uninsured has higher limits and my cart value is likely much less than yours. I'm confident in both state farms and progressives claim handling and reputation.
This makes me feel better about what I thought was too high cost for a golf cart.