PDA

View Full Version : insurance recommendation please



Mandelon
05-19-2004, 12:54 PM
Safeco won't write my new boat policy cuz it has too much horsepower (Waaawaaah, those crybabies)
Anyway please tell me who to call..
I got a quote from Progressive for $753 for a year. Is that any good? Its for a 2003 Lavey 21 with a 496 HO, (425 HP).

OutCole'd
05-19-2004, 12:55 PM
Sounds high, I am paying less than that for my Magic with a 525.
I'm with State Farm, try them.

dicudmore
05-19-2004, 12:57 PM
sounds about right without fudging on hp.....
friends are paying $700 some odd for a 21 Hallett
ins on my 29 is $1200
you might try foremost but progressive is usually right there with anyone

Ntwotrance
05-19-2004, 01:02 PM
try AAA

malibuken
05-19-2004, 01:05 PM
AAA was $200 lower than Progressive for me.

RiverToysJas
05-19-2004, 01:06 PM
AAA quoted me $756/year just last week.
I'm paying roughly that with One Beacon right now.
I thought it w as high until I started shopping around. Progressive was to be my next call, I'll save myself the trouble now! Since I have the same boat and all.... ;)
RTJas :D

Havasu_Dreamin
05-19-2004, 01:23 PM
We're paying less than that with a 525.

RacerX
05-19-2004, 01:23 PM
I don't know alot about those high end boats like ya'all have nut for my 21' Malibu wakeboard boat w/ 325 hp, BoatUS.com is $421. I've been a AAA member for 20+ years and they wanted $700+ for my boat, they were $500 higher than Farmers for my vehicles and about $300+ higher than my current insurance for my home....
I love AAA's service when I need them but they've never been in the ballpark for me on insurance stuff....

little rowe boat
05-19-2004, 01:37 PM
Try Leisurecraft out of Newport beach,22' Howard,I pay about 590.00 per year.

jbtrailerjim
05-19-2004, 01:39 PM
Allstate I'm paying around $750.

Mandelon
05-19-2004, 01:46 PM
They told me if the boat was 26 or bigger then it would be lower. It is the hull length in relation to the horsepower that was the issue for Safeco.

OutCole'd
05-19-2004, 01:47 PM
Originally posted by Mandelon
They told me if the boat was 26 or bigger then it would be lower. It is the hull length in relation to the horsepower that was the issue for Safeco.
Maybe it has something to do with the 4 dui's & 2 reckless drivings ya think??:D :D

shadow
05-19-2004, 01:50 PM
Try Marty Ragman (714)969-2418.
went through him a week or so ago and he got me covered at a good rate and quick service.

BarryMac
05-19-2004, 01:59 PM
Mande'
I got my policy for the Carrera through Progressive, I'm paying roughly $560.00 a year, I have my Auto and Home with AAA so I called them for a quote, they wanted $625.00 a year, not a big difference (not even two full tank fulls) in money but needless to say AAA didn't get my Boat policy.
In regards to Progressive the policy covers the Trailer were the AAA didn't :confused: Progressive covers anybody driving the boat AAA only covers the irma-nator and I :confused: and AAA wouldn't give me a full replacement value, Progressive did ??? :confused:

BarryMac
05-19-2004, 02:01 PM
another option is pull a couple of spark plug wires and tell them it's a V6... :D

Mrs. Bordsmnj
05-19-2004, 02:10 PM
I don't know who our boat is insured thru or the HP or any really important information that could help you but I do know we pay less than $500/year for ours.
Hope that helps! :p

phebus
05-19-2004, 02:31 PM
Carrera 257 Party Effect (Cat, but deckboat) 496HO, 600.- a year with Progressive :D

Sleek-Jet
05-19-2004, 02:47 PM
Originally posted by Mandelon
They told me if the boat was 26 or bigger then it would be lower. It is the hull length in relation to the horsepower that was the issue for Safeco.
Put a longer swim step on it. :D

MRS FLYIN VEE
05-19-2004, 02:50 PM
Devin ins. 1-714-263-2626 they ins our cat
ask for Devin.. :D

Bad Asp
05-19-2004, 02:53 PM
Progressive made us a good deal on our new Cobra. Even sent us a refund when they realized the broker had input it as an outboard instead of i/o. An honest insurance company, go figure. :)

1stepcloser
05-19-2004, 02:56 PM
$540.00 a year, AAA.
23' eliminator, 454 powered.
AAA has my boat, cars, motorcycle and house.
They offer a multi policy discount. :D

TheEduKATor
05-19-2004, 03:10 PM
I'd definately give Devin a call, just got mine insured throgh him with Foremost Family Boating Ins. Progressive wanted $1500 to renew, I paid $1,035 with Devin. AAA wanted $975 but Devin had some nice coverage, plus a discount for taking a boater's course. I'm in a 2002 26' Cat, 496 Mag.

Mrs. Bordsmnj
05-19-2004, 03:15 PM
Originally posted by MRS FLYIN VEE
Devin ins. 1-714-263-2626 they ins our cat
ask for Devin.. :D
Hey Char,
If you don't mind me asking, how much did insurance on your cat run? Jason wants a cat (ok, I do too) but the insurance factor is one of the things holding us back.
:D
Linda

BoatFloating
05-19-2004, 03:23 PM
Originally posted by phebus
Carrera 257 Party Effect (Cat, but deckboat) 496HO, 600.- a year with Progressive :D
Rick, you got lucky. I had signed up with progressive and got canceled after 2 weeks in underwriting because it's a AIR ENTRAPMENT boat:eek: SO good luck...

phebus
05-19-2004, 03:45 PM
Originally posted by BoatFloating
Rick, you got lucky. I had signed up with progressive and got canceled after 2 weeks in underwriting because it's a AIR ENTRAPMENT boat:eek: SO good luck...
Well, I guess I'd better keep my fingers crossed. It's only been a couple of weeks since I got it.

BoatFloating
05-19-2004, 03:54 PM
Originally posted by phebus
Well, I guess I'd better keep my fingers crossed. It's only been a couple of weeks since I got it.
DOOMED!

bigkyle
05-19-2004, 06:56 PM
I just renewed my policy with Progressive for $526 a year, full cash value - 2001 Advantage Citation 22' w/496HO. Try Alternative Insurance Agency out of Corona, 909/280-9999. They rep the Progressive product. Did experience an increase this year (go figure), but they were still a couple of hundred dollars less than the others I had quote.

Phat Matt
05-19-2004, 07:31 PM
Mine is $553 a year through State Farm.
24' Commander with 900hp Teague, used bravo one drive and no hydraulic steering!
OK 496 mag. :p

Debbolas
05-19-2004, 07:36 PM
Ours is about $1000 a year for the new boat.
The old boat was a LOT less.........;)

RiverToysJas
05-19-2004, 07:42 PM
Originally posted by Mandelon
They told me if the boat was 26 or bigger then it would be lower. It is the hull length in relation to the horsepower that was the issue for Safeco.
That makes sense because LaveyBob is paying a lot less than me, with the same agent and company! He's got the 26 w/ the HO, and is paying in the 500s.
RTJas :D

Boozer
05-19-2004, 07:51 PM
Anyone else have progressive pull some scheisty shit on them? I originally got my policy with progressive and it was $240 a year. I recently checked with progressive on auto insurance and they pulled my driving record over 5 years :jawdrop: and well it's been clean for 3 but those 2 years before :jawdrop: They wanted $360 a month to insure my Durango!! My boat policy was coming up for renewal and my new quote was $485 a year! That may not seem like much but a boat with V6 power and replacement value of 20k!! WTF!!
I'll be finding a new company soon. Sure the boat is only costing me $40 a month right now to insure but I KNOW I can get it insured much cheaper elsewhere.

Mandelon
05-19-2004, 08:30 PM
Originally posted by riodog
Tony Freeman here in Corona. (909)280-3516.
He insures my blown, 19 ft Daytona so he oughta take you on.
Get a 'stated value policy'.
Stay away from AAA as they do not cover you from Lake Mojave to Palos Verdes Dam. (a little north of Blythe). If you do get any coverage from them it's with a secondary carrier and that's always iffy.
Riodog
Ps- did you ever get the dumptruck registered?
I cannot find the file with the dumptruck info in it so I have not. We still drive it a couple of times a week, so far no problems.

RiverToysJas
05-19-2004, 08:48 PM
Originally posted by riodog
Stay away from AAA as they do not cover you from Lake Mojave to Palos Verdes Dam. (a little north of Blythe).
That wasn't true when I had my 18' Hawaiian with them. They asked where I would use the boat, I said "everywhere". They asked if I'd be going to the river, Parker or Havasu specifically. I said, "maybe" (in truth, hell yeah I was using it there - but I played it cool). She was hesitant, and I asked why. She said that AAA doesn't "like" to cover boats in those areas. I said asked what that meant. She said as a rule they say they don't write policies for boats that only use those areas, but if they write you a policy and you go there, they can't legally not cover you. BUT she said they might drop you if you make one claim for that area. I said that was fine, they could drop me if that happened, as long as they cover the claim first! I took the policy on those terms.
Now maybe they are writing some specific exemption into the policy you sign, but I doubt it. they are probably just scaring people with their tactics to discourage you from going to places they consider high risk.
Although, now that I think about it, it's something they seem to tell the small jetboats more. I just got a quote on my Lavey, which is registered in Az, and they never asked where I use it.
RTJas :D

77charger
05-19-2004, 08:59 PM
I use state farm i pay around 300 a year full cov.Boat is a 93 eliminator 21ft with a 350 mag.I use them for all vehicles their price cant even be touched or matched.We have my wifes car,my truck,gsxr750,toyhualer,and boat.My truck is the most at 550 a year full coverage.We have good driving records and i guess being mariied and 31 years old i t pays off:) .I do have a high deductible but the money i have saved in the past 3 years has already paid off (meaning i already have the money for the deductible if needed)

mtndewdrops
05-20-2004, 05:58 AM
Good Luck,
Progressive was the cheapest for me. AAA couldn't beat them. I used to have BOAT U.S. but they jacked the rate this year...there is no loyalty anymore.
Dude,
I was trying to steer you toward the Essex 350 mag like I have since it is 300 hp and doesn't drink the fuel like that 496. Oh, well make some more magic and break out the dough.

Garrddogg
05-20-2004, 06:04 AM
I think i got hosed @ $1950.00 for the year..
26' with a 500 efi

Kwicherbichen
06-20-2004, 10:28 PM
Many of you guys I know and you have covered engine compartments and through transom exhaust which lowers the rate. In my case I have the open engine compartment with the over the top headers.
Well, Progressive just sent me the "Dear John" letter letting me know that they are no longer going to cover me because of the headers and engine exposure. I have until the end of the month to secure new insurance. I was only paying around $200-250 a year with Progressive. Does any one have a recommendation for a reasonable replacement company?

clownpuncher
06-20-2004, 10:41 PM
About 800.00 with allstate. Stated 650 Hp and full replacement value. Ultra 21XS

Mortgage Paul
06-24-2004, 10:37 PM
Is there anyone that specifically does boats Like Eliminator Daytonas? I know people say they got covered but when I call and even say Eliminator Daytona its NO. And I haven't even told them the size, motor, my name or anything.
I can get insured, but when they here its an Eliminator Daytona it's OOPS we dont do those! Sorry.
Im gonna try the State Farm peeps again after they said NO, and explain it has a center pod/Middle V/ tri-hull or whatever like others have posted.
I'm paying 1300 now for Non Navigational as Im not even using it and the next best quote was 1256, and my record is perfect, took boaters safety courses bla bla bla.
Almost every company I've seen listed in these boards has said NO. All I say is "Can You insure an Eliminator Daytona?" Answer......NO. V-Hull yes. Daytona NO.
As much as I love Tunnel boats for the last 16 years, I'm thinking something like a Tunnel V Open bow or something else.
Also anyone know any Surveyors that will actually show up and not stiff you 3 times after driving 1 1/2 hours to meet the guy half way??.........and then never even gives the info to the Ins Company?
Thanks for any info.

HM
06-24-2004, 11:32 PM
Originally posted by Kwicherbichen
..... Does any one have a recommendation for a reasonable replacement company?
Lots of companies canceling over the transom exhaust boats. I had insured my 18' v-drive with 750HP and over the transom headers for $2,800/yr. $2,000 was for liability alone. Even with that, got cancled by State Farm - and I even had a $5 million PLUP.

JetBoatRich
06-25-2004, 04:51 AM
We use AAA, cost about $450 for the boat. They have all our vehicles. RV and house.