UTV / ATV Insurance - Who Do You Guys Use

[Sackett]

Bought a 2022 Polaris Ranger last year and purchased insurance for it through someone the salesman recommended (Dairyland Insurance) for $344/year. Got the renewal for the machine and with no claims the premium more than doubled to $720/year! Got a quote through Progressive and they were not much better at $620/year. Anyone have recommendations for a company that has reasonable rates?

[Twist]

I went through Cale aka The Insurance Guy on here. Melissa from his agency shopped around and I ended up through SafeCo, it costs about $60/month combined for my 2023 Ranger 1000 and 2021 Sportsman 850 High Lifter.

[twistedmidnite]

I believe ours is around $550 a year thru farm bureau.

[Tex21]

Foremost may be better but they are usually close to progressive

[The Insurance Guy]

Bought a 2022 Polaris Ranger last year and purchased insurance for it through someone the salesman recommended (Dairyland Insurance) for $344/year. Got the renewal for the machine and with no claims the premium more than doubled to $720/year! Got a quote through Progressive and they were not much better at $620/year. Anyone have recommendations for a company that has reasonable rates?

We are happy to check for you. I have multiple options to look at for you.

here is a link to send in your contact info if you would like us to shop for you

https://www.rolloinsurance.com/contact/cale_staton.aspx?fbclid=IwAR2RR0IBZHJrhdFWmLTE1aEDy6mHC-9Skh1d2ObAEehHGrtYh4pfVBdRVAo

[The Insurance Guy]

I went through Cale aka The Insurance Guy on here. Melissa from his agency shopped around and I ended up through SafeCo, it costs about $60/month combined for my 2023 Ranger 1000 and 2021 Sportsman 850 High Lifter.

Thank you! Melissa is great and I’m lucky to have her!! Glad we could help you out!

[Quackerbox]

I had progressive till they dropped the replacement value on my 2009. Ive since dropped them but it was 263 a year until about 2 years ago. At 620/720, thats more than Im paying to insure a 2020 4x4 runner!!

[Txhunter3000]

What type and limits of coverages are these quotes for?

[jshouse]

Tagging

[Huntingfool]

Foremost

[100%TtId]

Markel is another option.

[chillymac]

I pay $35 a year for theif only, Progessive. for 2022 Honda Pioner 500

[Huntingfool]

if you tow it somewhere get full coverage

[60 Deluxe]

Ouch! No coverage on the ATVs but I do have insurance on the John Deere 4230 valued at $25,000 for about $120 a year through my homeowners policy.

[DaveC]

Markel is another option.

This is who I use. Not sure how good their payout is as I've never needed to "use" them, but they were waay cheaper than the others I tried.

They give me a multiple vehicle discount at 4 machines. Anytime I try to drop machines to 3 they warn me it will go up $5 a year.
So for the last 2 machine swaps I'm still insuring the previous one I got rid of.
Dumb on both sides I know, but whatever.

My main concern with insurance is the theft of a machine.
To obtain that coverage you pretty much get collision while you're at it- my understanding anyways.