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