Meely Posted November 24, 2007 Report Share Posted November 24, 2007 (edited) Last year I had an older snowmobile given to me by a buddy of mine. Its a 1985 Bombardier Citation ...I think its a 250 ....if that.... Anyhoo, I figured it would be a great ice fishing machine and seein as it cost me zilch to buy, I'd sink a hundred bucks or so into some paint and getting the seat re-upholstered. This year, Im figuring, SWEET, shes nothing fast or worth much....can't be all that much for insurance. I figured I'd get just liability cuz if someone was really that desperate enough to steal her, they could have her.......... So, my agent comes back with a quote for the year....just liabiity......get this..... SIX HUNDRED AND EIGHTY BUCKS !!!! I nearly soiled myself!!!! One year's worth of liability insurance is gonna cost me 5 times what the sled is worth?? Is something wrong with this picture or what??? Are these the going rates? Is this guy for real?? Sheesh.....Think I just may toss the sled AND my computer off a cliff !! Meely Edited November 29, 2007 by Meely Link to comment Share on other sites More sharing options...
Dondorfish Posted November 24, 2007 Report Share Posted November 24, 2007 Keep your sled - toss your broker!!! I just got a quote today for a 98 polaris 500 2 up trail machine - $302.75 INCLUDING theft!!! Shop around - but be warned - most insurance companies won't touch atv/snowmobile insurance unless you switch car/ and or house insurance to them also. Don Link to comment Share on other sites More sharing options...
Bernie Posted November 24, 2007 Report Share Posted November 24, 2007 Same thing happened to me with a motorcycle couple years back Meely. Sold the bike.. But in your case I believe insurance can be had for about a 1/4 of that. Shop around. I will talk to the guys at our shop on Monday and find out where they get their best deal. My sled is insured though my business/shop plan. Link to comment Share on other sites More sharing options...
irishfield Posted November 24, 2007 Report Share Posted November 24, 2007 (edited) Cheaper to take the fine ! Just don't run anyone over.... Edited November 24, 2007 by irishfield Link to comment Share on other sites More sharing options...
Meely Posted November 24, 2007 Author Report Share Posted November 24, 2007 Not that I a speed Demon ...... but...... thats my fear.....running into someone or something..... Meely Link to comment Share on other sites More sharing options...
Greencoachdog Posted November 24, 2007 Report Share Posted November 24, 2007 Try Geico... 15 mins. or less can save you a bundle! Link to comment Share on other sites More sharing options...
Bernie Posted November 24, 2007 Report Share Posted November 24, 2007 Try Geico... 15 mins. or less can save you a bundle! Dont know if Canadians see that Ad much Glen.....But thats funny! Link to comment Share on other sites More sharing options...
HTHM Posted November 24, 2007 Report Share Posted November 24, 2007 I figured I'd get just liability cuz if someone was really that desperate enough to steal her, they could have her..........Meely So........... Where do you live????? Link to comment Share on other sites More sharing options...
Sinker Posted November 24, 2007 Report Share Posted November 24, 2007 I pay $160 for an arctic cat puma 340, 2 up. I think your getting ripped off there. Sinker Link to comment Share on other sites More sharing options...
Meely Posted November 24, 2007 Author Report Share Posted November 24, 2007 GCD..... I just may give them a shout. Not too keen on bagels and butter tho..... Meely Link to comment Share on other sites More sharing options...
GbayGiant Posted November 24, 2007 Report Share Posted November 24, 2007 Cheaper to take the fine ! Just don't run anyone over.... I think that will be my plan this year, cause just going on the ice to fish and no trails or roads I don't see anyone ever even remotely close anyway. And we used to play Joust on 250's with 2by4's once upon a time (not recommended), lol. Can't wait till they decide to rape us on boat insurance with no choice in the matter, surprised they haven't already, but they are making us get a money grab license so I'm sure the mandatory insurance on boats will follow. Link to comment Share on other sites More sharing options...
Zib Posted November 24, 2007 Report Share Posted November 24, 2007 Wow! I though they ripped you on insurance in the states. Thats insane! I've been paying $99 a year since 1996 for my POS "86 14' Sea Nymph (covers the boat, motor & trailer). Link to comment Share on other sites More sharing options...
pikehunter Posted November 24, 2007 Report Share Posted November 24, 2007 (edited) I have never owned one so I can't comment on what you are quoted. It will pay to look around because that sounds like a lot of money. When we had a motorhome... a long time ago...my insurance broker was charging over 1200 bucks a year then! Just before we sold it I located an insurance broker in Beaverton ON., the name was Wayfarers insurance and their rate for the same coverage was just over $400 !!!! for a year! So look around, even do a Google search for Wayfarers and see what you can come up with. They may have a snowmobile policy. I just found the link, they don't mention sled insurance but they do say that other insurance is available. Why not contact them and ask? Wayfarer website Edited November 24, 2007 by pikehunter Link to comment Share on other sites More sharing options...
Gerritt Posted November 24, 2007 Report Share Posted November 24, 2007 contact Grant B. McAllister on this board. He is an insurance agent and his prices seemed right inline to me. (Fair) G Link to comment Share on other sites More sharing options...
Sandbag Posted November 24, 2007 Report Share Posted November 24, 2007 Meely I pay $111/year for a Polaris Indy trail that I use for ice fishing. That is for liability alone. I use Primmum Insurance for the sled. It is a division of TD Bank. The sled is the only business with this agent. So it pays to shop around. PM me if you would like me to dig out their contact info for you to get a quote, or I'm sure you can Google up a phone number. Cheers Craig Link to comment Share on other sites More sharing options...
Beans Posted November 24, 2007 Report Share Posted November 24, 2007 Hey Meely... I only pay $582 total (incl tax) for Maribeth's 1993 Mercury Sable (no collision) and she gets to drive it all year not just 3 months... We are with Allstate but don't know if they cover ATVs and snowmobiles... Like Gerritt said...Grant McAllister of OFC may be the man to contact...He helped Maureen with her insurance needs... Link to comment Share on other sites More sharing options...
Landlocked Posted November 24, 2007 Report Share Posted November 24, 2007 Trust me, you DO NOT want a "driving without insurance" fine...if you think it's expensive now, just wait until after that fine. Mucho $$$$$$$ Link to comment Share on other sites More sharing options...
Dano Posted November 24, 2007 Report Share Posted November 24, 2007 Sounds like a rip off to me, but it also depends on your driving record, so without all the info, we can only guess. Link to comment Share on other sites More sharing options...
POLLIWOGG Posted November 25, 2007 Report Share Posted November 25, 2007 Check out a local snow machine dealer and they can tell you which insurer is reasonable this year. "Shop around - but be warned - most insurance companies won't touch atv/snowmobile insurance unless you switch car/ and or house insurance to them also." Illegal in Canada but the Gov. so scared of ins. companies they let them do it. Link to comment Share on other sites More sharing options...
Meely Posted November 29, 2007 Author Report Share Posted November 29, 2007 Well.......after a few phone calls with my current agent.....I have been given another quote for my sled........Ready?? $170 for the year !! Now, this I can live with. Why couldn't we just say that right from the beginning??? Just wanna say THANKS to those OFC'ers who offered me assistance (With insurance and my PC) . This board goes above and beyond just fishing and we keep seeing it time and time again. I will ensure I pay it forward.... Thanks again and see you on the ice !! Meely Link to comment Share on other sites More sharing options...
Corey Posted November 29, 2007 Report Share Posted November 29, 2007 So for those who are considering sled insurance in the near future... who was the winner? Let us know who gave you the best price to save the rest of us some time. Link to comment Share on other sites More sharing options...
Landlocked Posted November 29, 2007 Report Share Posted November 29, 2007 Good stuff Meely! Link to comment Share on other sites More sharing options...
Moosebunk Posted November 29, 2007 Report Share Posted November 29, 2007 Southern living sure sucks. Link to comment Share on other sites More sharing options...
TJQ Posted November 29, 2007 Report Share Posted November 29, 2007 Yup... your getting hosed... I pay $300 for TWO 1999 Tundras.. (250 cc) Link to comment Share on other sites More sharing options...
carll2 Posted November 29, 2007 Report Share Posted November 29, 2007 wow sled insurance prices are crazy in ontario, here in quebec i pay for my 2000 700 mountain which is considered a sport model 200$ and im only 22 Link to comment Share on other sites More sharing options...
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