LOL, you don't even have collision and comprehensive on that quote.

All these folks with so-called cheap insurance may want to look at what their policy actually covers.

so the someone with a career in insurance states "Slowly increasing" and the title post "Skyrocketing" , that may be where the hyperbole results in certain responses. large percentages on small dollars are still small dollars.

I agree witheverything in the quote above.

However, I am also thinking that its easy for someone who buys car insurances all their life, wants a similar policy size for a golf cart. Am thinking that car weight x speed causes a multiples times larger debris field than a golf cart, so physical damage and liabilities should not have the size of coverage than a car does.

The question is what's a reasonable level of coverage for a golf cart in TV? and what's the price for that. .

which is precisely to your point about what's in the coverage in the premium, totally agree. .

also don't know what the insurance stats collected on golf cart cost and specs have as an influence on the golf cart. Some of us have sh!t boxes, 10 years old, etc, versus a brand new, top end lithium battery, cart. As a data guy, there is golden explanations in that heap of data

Golf cart premiums
 

Allstate has the best rates. Call 352-245-2423 for a quote.

Physical Damage is comp & collison
 

[QUOTE=JGibson;2307920]LOL, you don't even have collision and comprehensive on that quote.

All these folks with so-called cheap insurance may want to look at what their policy actually covers.[/QUOTE

Physical damage is Comp & Collison

Will self insure for that, ie, not worth the cost for a $12 K golf cart, with very low probability of totalling a golf cart.

[QUOTE=Gatorfan1;2308618]After days of this thread and 35+ posts....the truth enters the equation. I appreciate you posting. My only confusion is why would any insurance broker fail to advise a client on what some would see as a major component of a policy? Unless everyone posting low premiums blew off the recommendation

Nope, didn't blow off the recommendations, have looked and confirmed I have full coverage at a rate about half of what the OP claimed he was quoted.

Golf Cart Insurance on The Rise in The Villages | Sumter County Injury Lawyers


Just an interesting article/ad I found....

The article appears to be over 10 years old. Yes, insurance rates have risen since then.

On recreational policies (which this is) Comp and Collision are listed as physical damage.

I don't think 180 a year for golf cart is is a cheap policy, do you? I'm curious what your coverages are and your annual premium.

lol

Could be to too many DWI’s and accidents!

Theft should be your biggest concern. Pick up truck and/or trailer gone in < a minute

Confirmed? What over the phone.

We obviously have different coverages for a much different value cart.

That physical damage may be for liability.

Personally I want to see the words Collision and Comprehensive with actual value.

But whatever I didn't come here to have a insurance measuring contest especially with so many different cart values and variables.

You're right, I have more coverage and lower deductibles for less cost.

Liability coverage is in the section labeled "Liability to Others." Physical damage to my cart is covered under Comprehensive and Collision.

You do see the words "Actual Cash Value at time of loss" on the Collision and Comprehensive lines. You could ask about "Full Replacement Cost" though that will certainly come at a higher price.

You're original post mentioned a $78 increase to a $309 plan an a Progressive quote of $209 for a $10K/$20K plan with a $1,000 deductible. What you just posted looks like a Progressive quote for $215 for a $100K/$300K plan with a $500 deductible. That seems like a pretty good quote compared to what you first described.

You asked about reputable companies with competitive pricing. To me, Progressive is a reputable company and the pricing seems very competitive.

The pricing and coverage on your 23 ezgo is nearly identical to my 24 evolution, I think my uninsured has higher limits and my cart value is likely much less than yours. I'm confident in both state farms and progressives claim handling and reputation.

This makes me feel better about what I thought was too high cost for a golf cart.