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Posted by: DrRod
Greetings,
I keep my quads at our hobby farm in PA and -- with no one around for weeks at a time -- I bought insurance from day-one. Allstate had a good deal on it. I was mostly interested in theft insurance but the liability is not a bad idea -- bad stuff happens and $120 a year is a bargain for peace of mind.
Posted by: DrRod
Greetings,
I have Geico for my cars but because I live in MD and my quads live in PA they couldn't put them on the policy. Same with homeowners insurance -- couldn't cross state lines plus I wasn't a full time resident at the farm. The whole "across state lines" thing got rather messy -- lots of regulations to deal with. But Allstate was still a very competetive deal for ATV insurance.
Posted by: hiofcer
Get Insurance.... . I pay 80.00 a year for a 2001 Rubi. Registration fees in MN are 25.00 or so every two or three years. Trailhead fees: What trailhead fees?
Posted by: warrior007
I have recently seen my state impose mandatory insurance but have yet to get any coverage, I have been riding for 2 decades now and think I spend enough allready to have my fun time. I dont really care for any more bills or legislation toward something I could do without guilt as little as a year ago.
Im not sure of the point in insurance other than theft? which my homeowners or auto insurance would have covered until recently (since it can now be insured on its own it is no longer covered if it is stolen from my garage or out of the back of my pickup) If I were to be injured my health insurance should take care of that, or would have....
Does anyone else feel the same fear I have for the future of riding? seems like the 80's all over again with the legislation <spit> and fees to help protect us from ourselves? One of the public trails I do travel 5 hours across state to ride at has also imposed a $35 use fee for upkeep, Im curious, since the trail is maintained by volunteers and local clubs, are they going to get paid now? If they are going to see a dime of the money or fee, I am all for it, they do an excellent job constructing bridges (to keep atv's out of the water and stop the so called "pollution") and grooming the trail. But I highly doubt it!
I have been thinking alot lately about switching back to bikes, alot less hassle and for some reason people dislike them alot less
<end rant>
What states have mandatory insurance other than Pennsylvania?
How much do you pay for registration fees, trailhead fees, insurance fees?
I am unlikely to get any coverage any time soon. watch and you will see the premiums go through the roof in short time, up near what crotch rocket riders pay, wait for the claims to start coming in..
Posted by: warrior007
What does the $80 cover? In this state, I am sure thats not the minumum coverage required.
in my state registration was $35 for every 6 months from what im told, I'm not really legal in that respect either. When I get a new quad its registered until it runs out then thats it. until recently there were no benefits for me to keep it current in this state (no publically funded riding areas within 4 hours of me.)
I called them trailhead fees since I am not sure how they are thinking on collecting the fees other than at the "trailhead" on this particular trail as mentioned above
Posted by: warrior007
$1000 is not too much, how often does something like that happen? I bet every few years and your premium is more in the long run. The idea on insurance is to only use it when you need it (cant pay otherwise) I see no reason to make a $1000 claim on the quad, before long you'll be paying $1000 a year I BET, who can afford that??
Posted by: warrior007
I allways here its a hassle to get things covered with any insurance (never claimed anything on auto or car), Im not paying unless its a sure thing and I know Im going to get taken care of, also I would ride differently too, knowing I can do no wrong. Once everyone is on the bandwagon the rates will go through the roof Im sure of it.
How much do you pay?
What coverage?
Posted by: warrior007
do you also have your cars on the same allstate policy? I had allstate for my car here in Pa and they were raking me over the coals (was 25-26 but married, 2 cars).. tried geico and they were the cheapest at that time, think they cover quads yet?
have to check I guess.
grudgingly thinking of insuring my toys..
Posted by: THEMOOSE
I've had my house broke into, had my Harley stolen & had a house burn down. I was under insured on all these. I now have replacement cost on everything. My quad has full coverage & replacement for $185 per year. The replacement is valued at $9000. I may never have another insurance loss but if I do I'll only be out the deductable. Quads are a high theft item & insurance may be a scam but It's also peace of mind.
Insurance is not required on my quad in Oklahoma. Registration is not required. I pay $7 a day to ride the Dunes at Little Sahara, OK.
Posted by: guardog
I'll makw a long story short. My son allowed one of his buddies (10 years old) to ride his LT160 suzuki. Later that afternoon, my son comes running home and said that his buddy had wrecked. I hopped on my machine and rode to the woods where they were at and the machine was on it's side and the kid sitting on the ground crying. The machine had suffered severe front end damage because they don't hold up very well when the go 40 miles an hour into a tree. The kid broke his wrist. The moral of this story is... I had no insurance and the quad cost 1000.00 out of my pocket to fix. I now have insurance on both of our quads and it's a hell of alot cheaper than 1000.00 dollars.
Posted by: Frogman28
Here in the UP of Michigan, we pay about 17.00 for trail (DNR) sticker. That is for the year. The money is to go into upkeep of our trail system.
Insurance....now there is an interesting one. Our state is one of "no fault" insurance(your insurance covers your vehicle no matter who is at fault). I really hate this way of insuring. My wife and i have never had an accident or ticket and i am punished because of other drivers. Our insurance in this state is higher than anywhere else that i have lived. (previous military, lived east and west cost and almost everywhere inbetween).
We both just purchased our quads not to long ago. Now, i can get insurance under the homeowners policy for only 10.00 a year but that will only cover theft or damage while within the garage. For full coverage, they are starting to use the "value" for assessment. For the griz., they are saying 200-300 per bike! This is a full coverage insurance with a deductable of i think 250? Anyways, like i am saying, i have never had a claim and cant believe that my insurance is still around 945.00 for the house and the auto only for six months. that's 1900.00 a year for someone that is soon to be 31 and never had a claim/ticket/accident. Now they are wanting me to pay another 400-600 for my bikes????? I really love the trail systems that are up here in the UP but DANG!!! the insurance up here sucks!
I have always liked how insurance companies are complaining about payouts and how they need to increase insurance policies. Ever notice how nice thier multi-billion dollar building downtown looks??
Now, tell me where the money is going?!?!
Jonathan
Posted by: HondaMarshal2
Insurance is like playing craps. It's a gamble. I have insurance because you never know when you need it. I ride different now that I have insurance because I'm not afraid of ruining my quad because insurance will pay for it. It's a good investment and if it's a law than you better too!!
Posted by: HondaMarshal2
$185.00 a year w/ full coverage. $100 deductible.
Posted by: Specta
I hate insurance, but it is the lesser of two evils. If you never have a claim it was a waist of money, if you crash it is your best friend. In Utah I pay $144 a year on my 01 Rubicon, $500 deductable for my ATV, $100 deductable for the ATV I crash into and $50,000 per person medical coverage. I can live fixing the ATV myself, the medical if one of us was seriously hurt would affect the cash in my wallet.
$144 a year for the Rubicon, $114 a year for the 02 Rancher ES 4X4, $77 a year registration fee's each, $12,000 for two ATV's and more fun with my family than either God or Utah law allows.
I am definatly not paying too much for the fun we have.
LOVE TO RIDE1
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Posted by: MountainCat
$220 a year full coverage and uninsured motorist! I am planning on getting it because when you are out riding you never no if someone else going to come barreling around a corner and nail you!
Posted by: voodoo
We are supposed to have ins here as well in Nova Scotia. I do beleive if you are stopped on a known trail by the rcmp you have to provide registration and ins papers. Regardless of this i think its a good idea to have ins even if its not enforced. Here it cost me 20 for reg, and 260 per year for Collision, Comprehensive and Liability.
Mark
Posted by: sargenthp
I am glad I had it last year. Did a good number on both of our quads. Hit at about 40 MPH. $1,500 worth of damage on the quads and $400 in chiropractic bills (could have been a lot worse! Wear that damn helmet! Saved my head.). But I only needed to pay the deductable.
