Talk of The Villages Florida - Huge increase - Foremost golf cart insurance

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Same thing happened to us. Switched to Progressive.

We Check Insurance Coverage Annually

We annually compare our homeowner, auto, and golf cart insurance for the best coverage. We switch if there is a savings of 10% or more.

I have an older golf cart, so my premium is much cheaper. I have been super pleased with the allstate agent Bascom Agency 352-753-1177.

I had Allstate for two golf carts at $100 a year for the past 12 years. Then I switch to State Farm, for $158, however, if I combine it with house and automobiles, I save $1,000 a year in the total premiums for all.

Comparing apples to apples, State farm

Shop around I pay 109.00 with Allstate

Allstate about $60.00 for the past few years. Cart is not street legal.

It’s a simple 5 minute phone call to save $55 or more

Lazy?

We have progressive thru AAA and it is $98.00 For the year

Quote:

Originally Posted by gday2005 (Post 1778651)

I have an older golf cart, so my premium is much cheaper. I have been super pleased with the allstate agent Bascom Agency 352-753-1177.

That's who we use. They're really terrific folks. We got a pair of KN95 masks from them, they kept a list of their insured customers who wanted them and passed them out at the office once they came in.

I have State Farm. My annual premium was $136 last year and my 2021 premium is $118.

Allstate introduced and wrote the first golf cart stand alone policy In Florida. Allstate has a great golf cart policy.

Quote:

Originally Posted by charlieo1126@gmail.com (Post 1778428)

Hmmm $500 sinkholes deductible like to read the fine print in that one

Yes Allstate offers same deductible for sinkhole as your all perils deductible. $500, $1000 it is how their rating structure is filed through the state, most companies filed 10% deductible through state.

Full max coverage with medical on 3 carts with Foremost is $200.00 a year. All Yamaha gas, 2017,2011 and 2007. Just paid premium. I package Home, car, umbrella with Travelers and cart with Foremost but all through The Villages Insurance Brokers. This way I get a package discount. I shop every year and it is the most cost effective way to go. NO tickets or accidents for over 15 years.
Folks post insurance pricing on here but there are so many variables. What is the rest of the story?

Value of the cart.

Quote:

Originally Posted by EdFNJ (Post 1778082)

Posting how much you were billed doesn't mean much unless you also post your exact coverages. Just got a quote from Allstate for $112 for full coverage and Progressive for $108 (took Progressive, I have a grudge against Allstate from 30+ years ago plus they were $1200 more than GEICO for my auto insurance).

Progressive Coverage includes (same coverages were quoted for Allstate for $112:

Bodily Injury Liability:$ 250,000 each person $500,000 each accident $24.00
Property Damage Liability: $100,000 each accident $12.00
Uninsured/Underinsured Motorist: $25,000 each person $50,000 each accident - Nonstacked $12.00 (def don't need this but for $12 wtf)
Medical Payments: No Coverage $0.00
Enhanced Injury Protection: No Coverage $0.00
Comprehensive: $100 deductible $25.00
Collision: $250 deductible: $35.00
Roadside Assistance: No Coverage $0.00
Carried Contents®: No Coverage $0.00
Accessory coverage: 3,000 (included) Included
Total rate for this vehicle: $108.00 (paid up front) for 12 months

If I paid monthly it was like $33 more for the year. Did it all online in 10 minutes.

If you have had any accidents, claims, tickets or lousy credit on ANY POLICY you rate can be much higher. I have none of those.

Inotice the value of the cart was not in the list.
My cart was insured for the purchase price when new. Now after two years I is worth at least $3000 less. The insurance companies will only pay you the value of the cart if totaled. I reduced the value on the policy to match its worth and saved a bundle with Formost. Don’t waste money over insuring.