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Old March 13th, 2013, 04:06 PM   #1
Jiveturkey3
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Street legal rzr insurance help

I bought a rzr last Friday. It has been titled as an assembled vehicle. I have a loan on it. Currently I have recreational insurance on it through State Farm. To insure it with full coverage no fault they want $800 for six months. I just left an insurance office who called progressive and they said they will only insure it as off road use. Googling it led me to Safeco who is calling me back tomorrow. I am looking for ideas. Who has insured a rzr rhino ext am how with who? I would like it to be reasonable. I pay $204 a year through State Farm for rv on it now.
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Old March 13th, 2013, 04:35 PM   #2
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800 for six months that's more then my truck if I got full coverage

Mine truck is 360 for 6 months plpd 800 for an rzr seems nuts
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Old March 13th, 2013, 05:06 PM   #3
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Originally Posted by muddinman56 View Post
800 for six months that's more then my truck if I got full coverage

Mine truck is 360 for 6 months plpd 800 for an rzr seems nuts
Imma guess that he'd survive better in the truck than he would in an over-sized fourwheeler if he was in an accident. I'd bet the insurance company thinks the same thing. Your comparison is apples and bread. Not even in the same catagory

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Old March 13th, 2013, 05:11 PM   #4
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Monkey didn't honcho have one street legal?
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Old March 13th, 2013, 05:14 PM   #5
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Originally Posted by muddinman56 View Post
800 for six months that's more then my truck if I got full coverage

Mine truck is 360 for 6 months plpd 800 for an rzr seems nuts
No offense, but the RZR is probably more valuable than your truck too. And since he has a loan on it, he will need full coverage for insurance, not PLPD.
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Old March 13th, 2013, 05:22 PM   #6
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Monkey didn't honcho have one street legal?
I would defer that question the His Highcenternesss
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Old March 13th, 2013, 05:53 PM   #7
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Insurance on assembled vehicles is always higher... You might be stuck. Plus they figure it's a toy and you're gonna drive it like a crazy man.... A friend of mine got rid of his harley kit bike for that reason. Insurance was outrageous and he couldn't find anywhere reasonable.
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Old March 13th, 2013, 06:30 PM   #8
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Where in the hell is Hancho when you really need him????? Fawk!
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Old March 13th, 2013, 06:34 PM   #9
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Where in the hell is Hancho when you really need him????? Fawk!
Might be looking for a Trailhawk.
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Old March 13th, 2013, 06:43 PM   #10
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For any offroad-related insurance issues, I recommend you call the insurance lady that GLFWDA uses for our liability/event insurance. She has done her homework, and has a couple of underwriters she works with that are a little more in tune with our form of recreation. No guarantees of a rate better than what you have found, but she is where I would start.

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Old March 13th, 2013, 07:52 PM   #11
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I checked with my insurance agent and My insurance for my rhino does not change going street legal or not. I already have liability insurance which is all that is required. He said they treat it no different than an enduro type motor cycle. My guess that your rate would be that high no matter what since you have a loan and collision on it.
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Old March 13th, 2013, 08:56 PM   #12
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The issue is to be truly legal your insurance must change. The difference between no fault or street insurance and rec insurance I medical. To be legal on the road in Michigan you have to have medical coverage. State Farm explained this to me and show me the difference on paper. My current policy would 100% protect me on the road. The state may even issue a plate if I get the right person. However, in an accident I wouldn't be covered. This doesn't set well with me. The other issue is that my proof doesn't say Michigan no fault insurance. So to get a plate would be hard. Not to mention when I deal with the cop that we all know I will that picks me apart it give him am easy ticket to write if he catches it.
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Old March 14th, 2013, 01:49 PM   #13
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Jim or any GLFWDA member I called the number Paul gave me. Do you guys have anyone in the organization that could help me? I really feel this is wrong. Because the state classifies these as assembled they must be insured as a "kit car". With me giving it a value of $17,500 the insurance gets outlandish. States such as Arizona have no issue because of the way the state titles them. Any help would be great. I am trying to do things legal an getting kicked in the face. It seems like there would be some way for me to get this insured without paying crazy amounts.

Also progressive will insure it. If paye in full six month would be $10,275. This is ridiculous. It isn't more of a risk than a can am Spyder.
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Old March 14th, 2013, 01:49 PM   #14
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Jim or any GLFWDA member I called the number Paul gave me. Do you guys have anyone in the organization that could help me? I really feel this is wrong. Because the state classifies these as assembled they must be insured as a "kit car". With me giving it a value of $17,500 the insurance gets outlandish. States such as Arizona have no issue because of the way the state titles them. Any help would be great. I am trying to do things legal an getting kicked in the face. It seems like there would be some way for me to get this insured without paying crazy amounts.

Also progressive will insure it. If paye in full six month would be $10,275. This is ridiculous. It isn't more of a risk than a can am Spyder.
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Old March 14th, 2013, 01:50 PM   #15
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Contact sweetleah.
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Old March 14th, 2013, 01:59 PM   #16
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Quote:
Originally Posted by Jiveturkey3 View Post
Jim or any GLFWDA member I called the number Paul gave me. Do you guys have anyone in the organization that could help me? I really feel this is wrong. Because the state classifies these as assembled they must be insured as a "kit car". With me giving it a value of $17,500 the insurance gets outlandish. States such as Arizona have no issue because of the way the state titles them. Any help would be great. I am trying to do things legal an getting kicked in the face. It seems like there would be some way for me to get this insured without paying crazy amounts.

Also progressive will insure it. If paye in full six month would be $10,275. This is ridiculous. It isn't more of a risk than a can am Spyder.
Assuming your value is accurate ( I honestly don't have a clue what the're worth) progressive wants you to pay MORE than the cost to replace it annually? Whats the deductable on that policy?
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Old March 14th, 2013, 02:01 PM   #17
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Contact sweetleah.
nonononono.... follow advice from internet experts that have never even ridden in an RZR, and probably don't have insurance anyway....
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Old March 14th, 2013, 03:28 PM   #18
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Contact sweetleah.
She left State Farm, but I can get her counterpart/replacement's number if it's needed.
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Old March 14th, 2013, 04:03 PM   #19
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Quote:
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Assuming your value is accurate ( I honestly don't have a clue what the're worth) progressive wants you to pay MORE than the cost to replace it annually? Whats the deductable on that policy?
Tell me about. The agent said the same thing. The issue is it they list it as a "kit car" when you add collision watch out you're hit. I have a call into the place Paul listed she said she would call me tomorrow. I called a company in Cali that specializes in motorsports insurance. They also have to call back.

Agents tell me because the company look at it a something I put together in my garage it sky rockets. When I explain it is a factory built unit that the state retitled as assembled they understand but have no way to insure a rzr for street use. It's aggravating that they want more to insure that than our Acadia valued at almost $25,000.

The post I have read where people are claiming $200-$500 a year full coverage blow my mind. I don't think they are made up I just don't know how they did it. I thought age was mayb my issue (24). So an agent in his mid 50s ran a quote usin his information and it was in the $8,000 range. Without collision it comes WAY down. For me I am looking at 6 something. Even without a loan I wouldn't feel comfortable with plpd on a $18,000 unit.

Bbxj I will call anyone you can put me in touch with. Most agents don't even want to talk about it because its not just pushing buttons on a key board.
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Old March 14th, 2013, 05:26 PM   #20
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Quote:
Originally Posted by Jiveturkey3 View Post
I bought a rzr last Friday. It has been titled as an assembled vehicle. I have a loan on it. Currently I have recreational insurance on it through State Farm. To insure it with full coverage no fault they want $800 for six months. I just left an insurance office who called progressive and they said they will only insure it as off road use. Googling it led me to Safeco who is calling me back tomorrow. I am looking for ideas. Who has insured a rzr rhino ext am how with who? I would like it to be reasonable. I pay $204 a year through State Farm for rv on it now.
Quote:
Originally Posted by Jiveturkey3 View Post
Jim or any GLFWDA member I called the number Paul gave me. Do you guys have anyone in the organization that could help me? I really feel this is wrong. Because the state classifies these as assembled they must be insured as a "kit car". With me giving it a value of $17,500 the insurance gets outlandish. States such as Arizona have no issue because of the way the state titles them. Any help would be great. I am trying to do things legal an getting kicked in the face. It seems like there would be some way for me to get this insured without paying crazy amounts.

Also progressive will insure it. If paye in full six month would be $10,275. This is ridiculous. It isn't more of a risk than a can am Spyder.
Quote:
Originally Posted by Jiveturkey3 View Post
Tell me about. The agent said the same thing. The issue is it they list it as a "kit car" when you add collision watch out you're hit. I have a call into the place Paul listed she said she would call me tomorrow. I called a company in Cali that specializes in motorsports insurance. They also have to call back.

Agents tell me because the company look at it a something I put together in my garage it sky rockets. When I explain it is a factory built unit that the state retitled as assembled they understand but have no way to insure a rzr for street use. It's aggravating that they want more to insure that than our Acadia valued at almost $25,000.

The post I have read where people are claiming $200-$500 a year full coverage blow my mind. I don't think they are made up I just don't know how they did it. I thought age was mayb my issue (24). So an agent in his mid 50s ran a quote usin his information and it was in the $8,000 range. Without collision it comes WAY down. For me I am looking at 6 something. Even without a loan I wouldn't feel comfortable with plpd on a $18,000 unit.

Bbxj I will call anyone you can put me in touch with. Most agents don't even want to talk about it because its not just pushing buttons on a key board.
$800 for six months isn't looking quite as bad now is it?
the expense of toys never stops with the purchase price...
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