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post #1 of 18 Old 01-31-2011, 10:59 AM Thread Starter
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insurance..

i see n hear ppl puttin full coverage on there fourwheeler whats the point?? would someone really make a claim after wrecking it? i guess it would be worth it if u total it

how much do you pay n who r u thru??

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post #2 of 18 Old 01-31-2011, 11:07 AM
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220 a year through progressive via USAA. Have to it has a loan on it
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post #3 of 18 Old 01-31-2011, 11:23 AM
 
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I had it through progressive also. The canceled me after a month and refunded my money. Why.. I dunno

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post #4 of 18 Old 01-31-2011, 11:33 AM
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Never have. Always thought it didn't make sense for something with such a low replacement cost. Looking at it again now because of new law last year in IL. Can write you a $750 dollar ticket for operation of uninsured atv if caught on the road.


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post #5 of 18 Old 01-31-2011, 11:41 AM
 
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Quote:
Originally Posted by EEHonda View Post
Never have. Always thought it didn't make sense for something with such a low replacement cost. Looking at it again now because of new law last year in IL. Can write you a $750 dollar ticket for operation of uninsured motor vehicles if caught on the road.
My bank required it when I financed it, I had to show them proof of ins but they never found out it got canceled

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post #6 of 18 Old 01-31-2011, 12:06 PM
 
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Kentucky doesn't require us to have insurance on quads. So I don't insure mine. I hate insurance company's!!!
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post #7 of 18 Old 01-31-2011, 12:14 PM

 
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I financed through Honda, and they never mentioned insurance? As far as state law in Ohio, I know you have to for autoís. I didnít think anyone would insure ATVís. After all you know the way there rode, would you insure them? Anyway when I switched from Grange to Allstate. I got insurance on my Atv and trailer as well. Full on the TRX was $158. A year and trailer was almost as much! At $110.

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#2 2008 Trx700xx AMR Reaper, Ehs Big 3, P/P head, Xcalibur Cam, Hard Welded Rockers, +1 In/Ex Valves, +3 Throttle body, 11:1 CP Piston, Elka Stage 3 Legacy Shocks, L8ton 11/16th Sway Bar, PRM Front Skids, Desert II Bumper & Rear Utility Rack.


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post #8 of 18 Old 01-31-2011, 12:16 PM
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alabama doesnt require ins either it would be nice to have though if your 700 got stolen


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post #9 of 18 Old 01-31-2011, 01:26 PM
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I got it for my XX. $10 a month added on to my home owners insurance. It is covered if it gets stolen, if I hit someone while riding it covers them so I dont get sued, anything I damage with the quad, or if I do any damage to the quad! I thought it was good just for the stolen thing but think if you do something stupid and sink it in water. boom covered and I asked about that specifically. If I run it into a tree, into a lake, or off a cliff I'm covered!

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post #10 of 18 Old 01-31-2011, 01:32 PM
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Quote:
Originally Posted by Crash21 View Post
I got it for my XX. $10 a month added on to my home owners insurance. It is covered if it gets stolen, if I hit someone while riding it covers them so I dont get sued, anything I damage with the quad, or if I do any damage to the quad! I thought it was good just for the stolen thing but think if you do something stupid and sink it in water. boom covered and I asked about that specifically. If I run it into a tree, into a lake, or off a cliff I'm covered!
How exactly does that work for specific parts? Like if you rolled it and bent your pro tapers, will you get $65 for new ones? That would be sweet.

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