Golf Cart Insurance hike

[justjim]

Just got an insurance bill and our golf cart insurance rates went up 42%. I’m not surprised. Anybody else have a similar hike in rate?

[Kahuna32162]

Actually mine, with progressive, went down year to year. $89.

[kkingston57]

Actually mine, with progressive, went down year to year. $89.

Sounds low. Make sure you do have adequate liability limits especially if you drive on that bad road, Morse, north of 466

[kkingston57]

I wonder, but do not believe, if they have records regarding accidents in your area.

I believe that Insurance companies do not micro analyze where a person lives to determime coverage. Wonder if they pay out more for drivers who live north of 466 on Morse and are trying to raise rates for drivers in that area. Just a thought.

[Babubhat]

Progressive gave a good rate. Villages insurance will shop for you

[Bogie Shooter]

I wonder, but do not believe, if they have records regarding accidents in your area.

I believe that Insurance companies do not micro analyze where a person lives to determime coverage. Wonder if they pay out more for drivers who live north of 466 on Morse and are trying to raise rates for drivers in that area. Just a thought.
Cart drivers from all over TV drive on Morse. Doesn’t make sense to raise premiums for those in that area.:doh::shrug:

[Raywatkins]

Just got an insurance bill and our golf cart insurance rates went up 42%. I’m not surprised. Anybody else have a similar hike in rate?

Got ours in Apr and it was a few bucks cheaper.
We are with Foremost.

[westernrider75]

we just changed to Progressive through The Villages Insurance and saved over $70 on both carts combined .

[randykw]

Ours went up 10%. $180-$198/yr for two carts.

[Babubhat]

Foremost? The renewal was twice the price of Progressive insurance.

[crash]

Just got an insurance bill and our golf cart insurance rates went up 42%. I’m not surprised. Anybody else have a similar hike in rate?

Wow yes ours went up to $128 a year what will I do. Guess I will just have to drink 4 less beers this year.

[Ski Bum]

Got ours in Apr and it was a few bucks cheaper.
We are with Foremost.

FYI for the landlords out there. Foremost quietly excluded tenants. Just in case you rent your place. Progressive covers them.

[Altavia]

Check the coverage to see if they added things you don't need/want.

[OhioBuckeye]

Yes. Car & house Ins. gas water, electricity interest rates, & everything else you can think of.

[wisbad1]

Progressive gave a good rate. Villages insurance will shop for you
We have progressive house insurance, like going through hell dealing with a claim. Tell you one thing and won’t put it in writing then claim never said that. Will be changing asap. Where’s Flo when you need her?

[RICH1]

and they said go ahead and Raise the Minimum wage, it won’t affect the price of a burger! It’s time for Old people to rise up and revolt..

[Luggage]

Down from 65 to 54

[Nucky]

2016 Yamaha. Without theft $50. With theft $118. Foremost won this year.

[Arctic Fox]

It’s time for Old people to rise up and revolt..

I have been revolting for years

[Jdburns11]

Manny different factors in insurance (even golf carts) none mentioned here relative to driving record, credit checks, recent claims history and other - my (limited) experience is around $100 around here is probably on the average…. Also no mention of 40% raise to what amount from what amount?

Respectfully, JDB

[Topspinmo]

Progressive gave a good rate. Villages insurance will shop for you

For there cut. :censored:

[Topspinmo]

and they said go ahead and Raise the Minimum wage, it won’t affect the price of a burger! It’s time for Old people to rise up and revolt..


Only two gangs care about old people pandering for there v—-.

[rockyhyder]

Just got an insurance bill and our golf cart insurance rates went up 42%. I’m not surprised. Anybody else have a similar hike in rate?

Sounds like your insurance company is betting you won’t shop around.

[RICH1]

Deleted

[RICH1]

I have been revolting for years
at times I find myself revolting….

[JMintzer]

and they said go ahead and Raise the Minimum wage, it won’t affect the price of a burger! It’s time for Old people to rise up and revolt..

Count de Monet (Harvey Korman): "Sire, the peasants are revolting!"

Louis XVI (Mel Brooks): "Yeah, they stink on ice!"

- History of the World, Part I

[Maryland04]

Just got an insurance bill and our golf cart insurance rates went up 42%. I’m not surprised. Anybody else have a similar hike in rate?

We just received renewal for next year (08/22) and it only increased by $5.00. Better than I expected.

[loufromnewjersey]

Yes, I have Progressive and pay $125 for two golf carts

[bimmertl]

Yes, I have Progressive and pay $125 for two golf carts

Annual premium costs are irrelevant unless you state exactly what coverages you have on your cart. Without that information, there is no way to compare premiums with others posting.

At $125 for two carts you have minimal coverage and you are most likely are underinsured. You should have liability limits the same as your auto policies. In addition, you need uninsured and underinsured coverage in the event you may get hit by an at fault 91 year old driving a Mercedes. Also need to consider comprehensive and collision on the cart considering the age and value. Any deductible on the cart would also affect the rate.

Any posts lacking the coverage information are pretty much useless for comparison purposes.

[Topspinmo]

I wonder, but do not believe, if they have records regarding accidents in your area.

I believe that Insurance companies do not micro analyze where a person lives to determime coverage. Wonder if they pay out more for drivers who live north of 466 on Morse and are trying to raise rates for drivers in that area. Just a thought.


I bet the use zip codes?

[jimschlaefer]

I just got a quote for 2 carts from "The Villages" at about $330 a year. Went to Progressive site directly and can cover both carts for $137 a year. Big difference was in the TV quote (by default) running nearly every coverage at 2x or more of what I asked Progressive for.

[kkingston57]

Annual premium costs are irrelevant unless you state exactly what coverages you have on your cart. Without that information, there is no way to compare premiums with others posting.

At $125 for two carts you have minimal coverage and you are most likely are underinsured. You should have liability limits the same as your auto policies. In addition, you need uninsured and underinsured coverage in the event you may get hit by an at fault 91 year old driving a Mercedes. Also need to consider comprehensive and collision on the cart considering the age and value. Any deductible on the cart would also affect the rate.

Any posts lacking the coverage information are pretty much useless for comparison purposes.

Well said!