Insurance for 2011

[brianmonique]

Any thoughts on insurance? Mine is due and Allstate bumped it up over 100.00 to 560+ for 2008 22ve. no claims or anything...don't think they offer anything special ovr anyone else do they? Looking at Progressive through USAA - I figure it"s because I dont have anything else with Allstate_ Appreciate your info!

[ajholt7]

I use Boat U.S. There are too many variables to know if it will be best for you. I shopped everyone and they were the best deal I could find.

[laserfish]

I have State Farm on both cars and boat. They have always done me good when we have needed them, no questions asked. We will be shopping all of our insurance this year though.

[Ewok]

I have progressive through USAA and I pay 460/year for agreed value with extra medical coverage. Did you know that insurance companies use your credit score primarily to asses your risk and set your rate? I also have my cars and house with USAA, they are very easy to work with.

[brianmonique]

Thanks for the info - I will call USAA again and state farm too as I have had a couple people mention them....EWOK - the hawks just pulled off a big upset but kept it interesting for sure!

[Kimber]

I just purchased a policy from Progressive - $316 for $100k, $300k, $100k liability coverage, with boat actual value of $29k. Your 08 would be valued higher, so the rate will be higher - but not by much. The collision portion, which covers damage to the boat itself, costs $124 out of the $316. I was told that I could only get $1,000 of "replacement cost personal effects" - which covers stereo, amps, boards, etc - and that cost $10.

[Iwndr]

I have progressive through USAA and I pay 460/year for agreed value with extra medical coverage. Did you know that insurance companies use your credit score primarily to asses your risk and set your rate? I also have my cars and house with USAA, they are very easy to work with.

I use progressive through USAA also, and have everything else with USAA

[jrj701]

last year I switched from State Farm to Boat US and saved over $100 for better coverage plus I got the Agreed value policy, which means they will pay you the value set at the time the policy is opened even if you have a total loss 10 years from now. I can't remember the exact cost, and I don't have my policy close at hand, but I think it is in the low to mid $300 range for a 2007 22VE.

[Ewok]

I use progressive through USAA also, and have everything else with USAA

[KonaKing]

Boat US for me, best price to coverage ratio I could find for me. Worth a look.

[TeamAllen]

I don't have my renewal yet for 2011, but I would give WestMar a try as well.

http://www.westmarinsurance.com/boat_yacht/

[pdhj1990]

In general, insurance rates are based upon the following:

• Insured’s age and credit rating
• Age, value, protection class and location of the asset
• Insurance carriers loss ratios by geographic territory

In the Dallas area State Farm, Allstate, Nationwide and Farmers have the highest rates. During the past several months, Safeco and Travelers have been the most competitive. On the higher end of the market i.e. $1 mill+ homes and higher value autos/boats, Chartis and Chubb are the key players.

Good luck.

Paul

[Riderite]

I have Boat US and have had a couple claims. They are really easy to work with and have great prices!!!

[Timmy!]

I have State Farm and I am paying $468 a year for $70k boat replacement and $300k liability here in Colorado where you are.

[Coop]

I have progressive through USAA and I pay 460/year for agreed value with extra medical coverage. Did you know that insurance companies use your credit score primarily to asses your risk and set your rate? I also have my cars and house with USAA, they are very easy to work with.

X2 on Progressive through USAA. I've had a couple of claims, and they were very good about them. My understanding is that you deal directly with Progressive, but if there are any issues, you can talk to USAA, which has always given me great customer service on the cars and home.