Huge increase - Foremost golf cart insurance
 

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?

State Farm, $115. went down $7.

How many of your neighbors have gotten new roofs on their golf carts because of weather damage? I hear something like that is going around.

We switched to Allstate since our car insurance is with them and we get multiple-vehicle and multiple-coverage discounts (since golf carts aren't considered automobiles, it's a different type of insurance). We were paying somewhere around $180-something, now we're paying something like $140-something. Not a LOT of difference, but it's a few nights of going-out-to-dinner money we wouldn't have had otherwise.

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.

Sometimes people don't consider how their rates will change with any claim and how it will affect any other policy they have. You'd be surprised how a $200-$300 comp claim on a golf cart even if you are not at fault can affect your auto and/or homeowners next renewal due to your insurance score. Sometimes it pays to just let it be unless the damage is severe. That's why when they ask on insurance apps if you have had ANY claims even if not at fault and it's easy to get a free copy of your CLUE report to see what they have on you from Lexis-Nexis.

Uninsured motorist coverage
 

Should have same limits as Bodily Injury. UM in Florida protects you if injured in accident by an uninsured or underinsured driver. Covers pain and suffering, rehabilitation, temporary nursing home and death that tradition health insurance does not cover. Worth the few extra $$. Lots of uninsured and underinsured drivers.

Mine increased $68 with Foremost too. Not aware of any other companies that cover golf carts.

My insurance increased by $68 as well with Foremost.
I am not aware of any other insurance company that will cover golf carts.
I have had no claims in 15 years.

We lower the value of the cart each year because obviously it depreciates every year.

Progressive
 

Under $100. Less if you combine with house or car.

My Allstate was $60

Progressive through USAA. $98/year.

I ask my broker to look at rates annually. It's not uncommon that they will switch me to a different company based on rates and coverage. It pays to shop around each year. The insurance companies rely on you not shopping, and just pay the bill.

Same price here

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.

$112 with Allstate

$140/yr for 2018 Yamaha gas cart and $110/yr for 2015 Yamaha gas cart with State Farm.

My Golf Cart Ins bill isn’t due for a couple months, but last year State Farm was only $112.00. Try them.

Go thru your car insurance company, much cheaper

Dod you go through The Villages insurance? I noticed when I was eith them after the 1st year each one of my policies went up drastically. I dropped them and went with Progressive. Everytime I added something I got a bigger discount. Eventually I got my golf cart, car, motorcycle and then home all switched to Progressive. I have to have all high limits to meet the minimums for my umbrella policy. I am saving about 600.00 over the Villages policies now.

Switched from Foremost
 

My Foremost policy went up to $192 with no claims or change in coverage. Switched to State Farm and with same coverage it is less than $100.

Progressive $80 With lots of coverage and with Progressive homeowners. I had Foremost, a Farmers company, and my rate was $180. Dropped them last month.

We cancelled Foremost and are now with All State.I suggest that you shop aground fur better rates. They are out there.

Foremost $186.00, went to my insurance lady and she canceled Foremost and got me progressive for $70.00. Same exact coverages. Foremost casting fools bait in hopes of getting a guppie.

I have Allstate
 

I pay $50.00 per year for liability and Comprehensive insurance with Allstate I have a 2010/Tomberlin E-Merge plus!!!!!!!!

Progressive is cheaper and offers roadside assistance. I switched to them.

Our Foremost policy also increased substantially in cost, about 25%. We switched to Progressive and the saw a drop in the cost from the previous year's Foremost policy.

I just renewed mine with the Villages Insurance Co for my 2016 Yahama for $74.00 a year.

Check out Progressive. Mine is $70.00 for very basic coverage.

I have mine thru Allstate and I don’t pay that for 2 carts. Mine has gone up in the past years but only a few dollars

Cart Insurance
 

Ours went down to $124 (from $199). 2017 Cart. Progressive.

All insurance companies will be raising premiums, as a result of having to pay claims as a result the recent destruction from looting and property damage, as well as business interruption claims due to COVID-19. In Florida we’re looking at an active hurricane season, in which insurance companies, need to insure sufficient reserves (money) to pay out claims.

I have the same insurance company on my Street Rod and the increase was only 1.5%. You might want to call the for an explanation on such a large increase.

Same happened to us, I switched to Progressive! Great policy, less $$

Ours went from $199 to $124 - Progressive

2017 YAMAHA GOLF CART MODELS
VIN J0D004334
Limits Deductible Premium …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Bodily Injury Liability $250,000 each person/$500,000 each accident
Liability To Others
$15
Property Damage Liability $100,000 each accident 8 …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Uninsured Motorist - Nonstacked $250,000 each person/$500,000 each accident 37 …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Medical Payments $2,500 each person 14 …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Comprehensive $250 16 …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Collision $250 34 …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Accessory Coverage $3,000 included …………………………………………†¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â €¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦â€¦ …………………..
Total 12 month policy premium $124

USAA has nothing to do with Progressive!

I have Foremost. I had it for years at less than a hundred dollars then it jumped way up and I went to Progressive for less but then it went way up so I switched back to Foremost for $110. Based on what you said guess my renewal next month is going way up again. A game they play to entice you to change I suppose.

I have Foremost. When I bought my new cart last year but was $134. I haven't got this years yet, but I will be on the look out for it niw

I have my cart insured through my home owners, which is Geico for $100.00 per year.