Insurance
You definately need insurance on your golf car. What if someone stepped in front of you at the grocery store and you bumped them. It might not be your fault but it would cost you a ton of money to defend yourself. As far as insurance going down in price as the car, truck, golf car or motorcycle ages, the majority of claims are not total losses. Therefore a fender or whatever costs more than it did when you bought the vehicle however many years ago. That is why you rarely see a decrease in premium unless it is a soft market, which does not happen that often.
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