[HappyTXVillager]

Originally Posted by donassaid

Try Allstate Ins. Saved me about 40% off the old rates with Foremost. They also offer sinkhole insurance with only a $500 deductible where other companies' deductibles are $20,000 or more.

Wow! That's a great deal on that sinkhole coverage. Can you tell me which AllState office/agent you use, please?

[Dilligas]

Originally Posted by Tom52

When i purchased a new golf cart last year the cost for insurance thru Foremost was $153. I got a renewal notice in the mail today and the price for same coverage jumped to $208. That is a 35.9% increase. No claims from my end. Anyone else with Foremost seeing this kind of increase? Can anyone suggest a cheaper alternative?

Golfcart physical damage & liability $5,000/$300,000/$1,000 on my homeowners policy with Olympus = $58

[Huskies]

Are you sure it’s their golf carts and not their houses, most of our neighborhood has just gotten new roofs as the home are 20/25 years old,

[EdFNJ]

Originally Posted by Tom52

OP here, as a follow up to some of the comments, questions. My credit score is well over 800, zero claims for many years on home or auto insurance. Some coverages on Foremost policy:

Bodily injury $250,000 ea person $500,000 ea acc.

Property damage $100,000

Medical payment $5,000 ea person

Uninsured motorist $250,000 ea per, $500,000 ea accident

Collision not to exceed $14,200 less $500 deductible

Other than collision not to exceed $14,200 less $500 ded.

Medical payments is a waste of money on GC (or even car). You have insurance either medicare or private.


Uninsured motorist is also a waste especially at the high rates that are charged for it. You should all DO a LOT of reading about UM in FL. This is a GOLF CART not a car. Once again, if you have medicare or private insurance you are covered. UM (either lower coverage) or not at all is probably 1/3rd or more of your rate.

[Robinsjj]

Originally Posted by Tom52

When i purchased a new golf cart last year the cost for insurance thru Foremost was $153. I got a renewal notice in the mail today and the price for same coverage jumped to $208. That is a 35.9% increase. No claims from my end. Anyone else with Foremost seeing this kind of increase? Can anyone suggest a cheaper alternative?

Yes, ours went up, doubled to over $300, went to Allstate went down for 2 newer carts to 183ish

[karostay]

Looks like all insurances sold by Villages Insurance has gone up
I just switched my home insurance saved about $300

[Carla B]

Originally Posted by EdFNJ

Medical payments is a waste of money on GC (or even car). You have insurance either medicare or private.


Uninsured motorist is also a waste especially at the high rates that are charged for it. You should all DO a LOT of reading about UM in FL. This is a GOLF CART not a car. Once again, if you have medicare or private insurance you are covered. UM (either lower coverage) or not at all is probably 1/3rd or more of your rate.

You're right about the medical payments coverage. A friend was injured in a golf cart collision and when she needed to go to rehab, the rehab facility declined to accept their golf cart medical payments as primary and her husband had to come with $$$ in cash before they would admit her. I cancelled that coverage on our policy so that Medicare would be primary.

[yabbadu]

Originally Posted by Tom52

When i purchased a new golf cart last year the cost for insurance thru Foremost was $153. I got a renewal notice in the mail today and the price for same coverage jumped to $208. That is a 35.9% increase. No claims from my end. Anyone else with Foremost seeing this kind of increase? Can anyone suggest a cheaper alternative?

Easy Peasy....Shop and change companies.........

[elsashea]

Originally Posted by Tom52

When i purchased a new golf cart last year the cost for insurance thru Foremost was $153. I got a renewal notice in the mail today and the price for same coverage jumped to $208. That is a 35.9% increase. No claims from my end. Anyone else with Foremost seeing this kind of increase? Can anyone suggest a cheaper alternative?

Try Progressive Insurance. I paid $119. They list it with Motorcycle insurance

[Tom52]

OP with a follow up. I contacted Villages insurance last Friday to ask them to research a cheaper alternative for golf cart insurance. I wonder why, when we already have homeowners and car insurance with Progressive thru Villages Insurance, they did not originally quote Progressive.

Regardless I contacted Progressive today and got a quote of $102 for 1 year golf cart insurance with same coverage. Plus I will have a slight decrease in car insurance for multi policies.

It will be interesting what Villages Insurance will offer when they follow up.

[patrickj]

Allstate has been the best for us.

[nn0wheremann]

Originally Posted by Tom52

When i purchased a new golf cart last year the cost for insurance thru Foremost was $153. I got a renewal notice in the mail today and the price for same coverage jumped to $208. That is a 35.9% increase. No claims from my end. Anyone else with Foremost seeing this kind of increase? Can anyone suggest a cheaper alternative?

I just got a quote from a Farmer's agent in Orlando. Golf Cart insurance is out of line. Their motorcycle quote was good, though.

[Furnier]

State Farm charged me arounD $110.00 We have 1 car with them also

[jimhurtt@twc.com]

Tom52. Good coverage. How much is your policy annually?

[dhelfer6]

If you go to The Villages Ins in person, they may be able to get you a lower rate. The same thing happened to me a few years ago and they were able to get me an even lower rate than I was paying. And I was able to stay with foremost. I had called foremost directly and they said they could not help me, but The Villages Ins did. Give them a try.....