Talk of The Villages Florida

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-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Golf Cart insurance (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/golf-cart-insurance-10329/)

lindaz 11-09-2007 12:09 AM

Re: Golf Cart insurance
 
Just purchased a policy from AAA. The cost was $60 per year for good coverage.

bamafan 11-09-2007 01:12 AM

Re: Golf Cart insurance
 
Golfnut, Yes we did buy from ezgo factory store. 2008 gas they were really great to us. What sold it was a noise supression kit they installed that made it very quite at cruise (20mph) speed. Cart has the ST utility cart front end. We were torn between EZGO and Golf Cart connection.

golfnut 11-09-2007 02:53 AM

Re: Golf Cart insurance
 
After checking out Club Car, Yamaha and EZGO I also thought their gas cart was smoother (they have 2 cylinders) and quieter than the others, if/when we get a second cart and it is gas I too will go with EZGO.

bamafan 11-09-2007 01:06 PM

Re: Golf Cart insurance
 
Golfnut, Be sure to ask for the noise suppression kit. It does make a difference.

golfnut 11-10-2007 01:01 AM

Re: Golf Cart insurance
 
Do you know what the kit is made up of?

bamafan 11-10-2007 02:08 AM

Re: Golf Cart insurance
 
Initially i thought it was some kind of attachment to the muffler. When they delivered the cart I found out that it is some kind of heat resistant foam that is lining the engine compartment and on the seat bottom. Works pretty good. My wife wears hearing aids and we are able to carry on a conversation.

golfnut 11-10-2007 02:18 AM

Re: Golf Cart insurance
 
Interesting, that makes sense, thanks Bama..

jtdraig 11-12-2007 02:24 PM

Re: Golf Cart insurance
 
Quote:

Originally Posted by 784caroline
JTDRAIG
USAA wanted $165 every 6 months for total coverage on my auto policy!!

I just got golf cart insurance from the Villages Insurance in Spanish Springs. Liability, Comprehense, and Collision (w/ minimal deductible for $70 a YEAR......I could not believe the difference!! AT Villages Insurance they will ask you for your SSN, the cost of the Cart, VIN number as well as year and model.

I found out that USAA as well as many other insurers rate a golf cart under automobile rates whereas the Villages has a company that rates a golf cart as a recertional vechicle not subject to state licensing or insurance requirements. In addition if you ever do file a claim against you auto policy for a golf cart incident and its your fault, that will be mark against your auto policy and your total rates are likely to rise. Going with the villages was a no brainer even though I have everything else with USAA.

Thanks for the tip. Although mine is $120 per year, I am obviously off to the Villages Insurance today to change it. You gotta love this forum.

efrahin 11-12-2007 02:47 PM

Re: Golf Cart insurance
 
Do you have a phone number for Villages Insurance??? Please provided if you dont mind.

jtdraig 11-12-2007 02:59 PM

Re: Golf Cart insurance
 
Lake Sumter Landing is 751-6622 (352)

efrahin 11-12-2007 03:36 PM

Re: Golf Cart insurance
 
Thank you.

jtdraig 11-12-2007 10:07 PM

Re: Golf Cart insurance
 
Thanks to 784Caroline, I did, in fact, go down to The Villages Insurance. My quote was $62.00 for even better insurance than USAA so I scooped it up and cancelled USAA.

+++++++++++++++++++++++++++++++++++++ :bigthumbsup:


Re: Golf Cart insurance
Quote from: 784caroline on November 08, 2007, 05:28:34 PM
JTDRAIG
USAA wanted $165 every 6 months for total coverage on my auto policy!!

I just got golf cart insurance from the Villages Insurance in Spanish Springs. Liability,
Comprehense, and Collision (w/ minimal deductible for $70 a YEAR......I could not believe the difference!! AT Villages Insurance they will ask you for your SSN, the cost of the Cart, VIN number as well as year and model.

I found out that USAA as well as many other insurers rate a golf cart under automobile rates whereas the Villages has a company that rates a golf cart as a recertional vechicle not subject to state licensing or insurance requirements. In addition if you ever do file a claim against you auto policy for a golf cart incident and its your fault, that will be mark against your auto policy and your total rates are likely to rise. Going with the villages was a no brainer even though I have everything else with USAA.

Thanks for the tip. Although mine is $120 per year, I am obviously off to the Villages Insurance today to change it. You gotta love this forum.

golfnut 11-13-2007 03:47 AM

Re: Golf Cart insurance
 
jtdraig, what type and levels of coverage do you get for $62/year.

bamafan 11-13-2007 04:05 AM

Re: Golf Cart insurance
 
Golfnut, On my policy it states the value of the cart, and I have a $250 deductable for collision and comprehensive.

SteveZ 11-13-2007 03:24 PM

Re: Golf Cart insurance
 
Got our golf cart insurance through AAA in Lady Lake. They deal with Progressive Insurance, and the $60.62 rate is not bad. I too have USAA for my cars, but Progressive for my motorcycle and now the Golf Cart.

AAA was very friendly and timely, and also got my homeowners based on their accessibllity (Called Villages Ins. several times when I was looking for h/o, and they didn't call me back for 4 days).


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