Insurance companies

[allairenjadea]

We just bought a 2013 Yamamha and the salesman told us if the insurance quote was over a $100 to shop it around. The quote was $147 from The Villages Ins. and was probably from Foremost. What other local places sell cart Ins.

[ijusluvit]

I don't think anyone offers a better deal than Allstate at the present time. My policy is $64 per year.

I also am pleased to recommend them because I believe they are the only company which will cover a homeowner's liability, as well as the user's, if the homeowner allows a guest in his home use the cart. There are conditions, which are described in other recent threads here.

I formerly paid about $100 for a Progressive policy through AAA. The Allstate policy terms are the same or better and they offer the extra liability coverage.

[gomoho]

we are paying over $200 (n ot street legal) so it's probably a good deal

[Waynecarla]

Call Allstate you will be pleased.

[aljetmet]

Call Allstate you will be pleased.

I just signed up for home owners insurance as well and was told about $150 for the golf cart.

Wonder if you can go ala carte with golf cart ins. kind of doubt it...

[Lark7]

Yes, various companies offer stand alone golf insurance policies. One obvious advantage is that, were you to have a claim for the golf cart, one would not necessarily subject their homeowners policy to cancellation.

Hopefully, others can address the pros and cons of stand alone versus an addendum to the homeowners insurance policy.

[TrudyM]

Call Allstate you will be pleased.

I had both homeowner. car and umbrella with Allstate for 35 years and the first time I had a claim they doubled my rates. It was not even my fault, the claim was fraudulent (someone jumped in front of my car and claimed I hit him) and they paid it without even consulting me. Even the cop said he didn't see any injury and that there was no evidence I had hit him. Allstate said it was cheapest for the company to just pay than to risk going to court. They had already paid it by the time I was notified there had been a claim. They then raised my rates for having paid one, not only on my car insurance but on my homeowners as it was a liability issue. I went with Gieco and got more coverage for less money. I don't know what companies write where you are but I hope that there is someone better than Allstate,

[KeepingItReal]

....

[Bill-n-Brillo]

Cart insurance policies are not all created equal. Just like auto coverage the bare bone minimum coverage policies are a lot cheaper than those with medical coverage and higher levels of liability coverage. Our rate increased this year but we added medical coverage to the policy which previously we did not think we needed.

Also, if you have an umbrella/personal liability policy and you want anything related to the cart to be covered under that, your insurance company will specify certain (read: higher) levels of required coverage on your cart policy. It makes your cart premium higher but well worth the difference in my opinion, if for nothing other than peace of mind.

Bill :)

[GatorFan]

I would think if someone jumped out in front of you the police would have arrested them for staging an accident. If they did not then the insurance company has to settle the claim based on the facts and evidence. Sorry this happened to you but baming the company for paying the claim and protecting you from a law suit is what they are legally required to do, right? I don't believe your home premium increase had anything to do with an auto claim.

[Mike Fitzgibbons]

Our cart insurance is with Foremost and is about $170. It includes what I think is the most important coverage: uninsured motorist coverage.

[JoeC1947]

Allstate, 2 carts @ $127/year. Borbolla Ins Co. 877-217-7445

[ureout]

make sure to get a separate policy no rider hooked to your homeowners policy. I had a HUGE increase in my homeowners policy after an accident and I was not at fault. It took 5 years to get it off record and a reasonable policy rate again.

[jebartle]

Bodily injury 50,00/person 100,000/accident
Property Damage 50,000/accident
Guest passenger 50,000/person 100,000/accident
Uninsured 50,000/person 100,000/accident

$101 a year