Golf Cart Insurance

[cordenny]

I just opened my Foremost Golf Cart insurance bill from The Villages Ins. It went up $30 from last year!! I have $100,00 ea. person/$300,000 ea accident plus $5,000 medical payments.
We checked last year with other companies and they offer Motorcycle insurance, not golf cart.
Is there anything cheaper out there?

[red tail]

I just opened my Foremost Golf Cart insurance bill from The Villages Ins. It went up $30 from last year!! I have $100,00 ea. person/$300,000 ea accident plus $5,000 medical payments.
We checked last year with other companies and they offer Motorcycle insurance, not golf cart.
Is there anything cheaper out there?

cheaper than what?

[cordenny]

I am currently paying $129.00 for Foremost golf cart insurance.

[BobnBev]

I am currently paying $129.00 for Foremost golf cart insurance.
Is that for 6mos or 1 year?

[justjim]

OP, what you are paying doesn't sound out of line to me. It's very likely that our golf cart insurance will go higher because of all the accidents.

Street Legal Golf Cart insurance (I heard) is around $800.00 a year. SCARY!

[ilovetv]

Insurance is not the place to save a little money by grabbing the cheapest package available.

Golf carts driving in city streets and car/truck traffic--not on golf course turf which makes a much softer landing and has no cars/trucks to get run over with when getting thrown out--are a whole different animal.

And older drivers tend to go into higher-risk rates with age making them higher risk, and it probably figures into rates for golf carts with TV type of usage, too.

The first insurance to buy is SEAT BELTS, for about $125. And buy the best insurance coverages possible.

[red tail]

OP, what you are paying doesn't sound out of line to me. It's very likely that our golf cart insurance will go higher because of all the accidents.

Street Legal Golf Cart insurance (I heard) is around $800.00 a year. SCARY!

lsv coverage is the same as a second car.
allstate golf coverage is $65 a year. office is right behind the raceway station going south on 441.

[theorem painter]

We just got a policy thru Foremost with $250,000 each person and $500,000 for each accident with a premium of $96.00.

[klc1923]

I also have a quote in front of me from Foremost. In addition to the mentioned $100,000 / $300,000 coverage, it also has:
$50,000 property damage
$100,000 / $300,000 uninsured motorist
$1,000 medical payments

it does not list underinsured motorist. The policy quoted is $190 annually. Am I missing any obvious lines of coverage?

[NoMoSno]

As strange as it may seem, your credit score affects your cost.
Our agent put it in my name, and it was $30 cheaper than writing the policy through my spouse. :shrug: