Ditto,

And deductible is $125 vanishing.
Cost is $302

I insured my last boat through progressive for $5k for ~$200/year with a $250 ded., and it was totalled. That included the trailer, though, which was undamaged and customized, and that meant that they would keep the trailer (presumably goes to sit in a salvage yard.) if I took the payout. I bought the totalled boat and trailer back from them for $600 IIRC.

My next boat is insured for just under twice as much, with the same deductible, and the premium as actually LESS, at ~$150/year.

These also gave me about $85/year multi-policy discount off of my auto policy.

I think the premium discrepancy was due to ordering the first policy online which included roadside assistance and a few other things that don't apply to me, and I called for the second policy and only got the specific coverages I wanted.

Insurance is a strange business. Explain to me how the multi-vehicle discount works? I added a 2nd pickup to my policy, (just liability), and my premium went down $240 a year. Go figure! Maybe it'd be a different story if I had comprehensive and collision on the 2nd pickup, but still, the liability is there.

Because chances are you can't drive both vehicles at once?

Karl, That Jake fella is smart.You should listen up, he even used small words for you.

Hey, I need some help in my office. You got the brains for it....
How's your pole dancing technique?


More cars than drivers is a GOOD thing. Teenage drivers, however, is not such a good thing.

The technique is there - it's probably just not something you would want to see though.

No, I can't drive all three vehicles at once, but I can loan two of them out and be driving around in the third. Still though, less money for two vehicles? My bike is on its own policy.


Thanks for filling Jake in Todd. Them big 1s are tuf 4 me.

Yeah, you may want to check your policy about that... I know a few carriers that state if the drivers aren't listed on the policy, there's no coverage...

Remember two things about insurance in general:
- the devil is in the endorsements
- you often get what you pay for

And Jake, my pole dance is only legal in two states, and this ain't one of 'em

Insurance is like casino gambling... The house always wins.