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Progressive insurance

Discussion in 'General Discussion' started by Craaaiiiggg, Aug 14, 2016.

  1. Craaaiiiggg

    Craaaiiiggg Active Member

    Messages:
    5
    Ratings:
    +1 / 0
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    SS
    Boat Length:
    21
    Hey gang, first post here. I'm loving this group...the suggestions, tips.and general sense of community. As a new boat owner on a new boat (16 212ss) and coming from the PWC side, I needed to do a little research on protecting my new toy. OH, and for point of reference, I'm located in the Sarasota, west coast of Florida area. So, looked at 4 carriers including the 2 I already have for auro and motorcycle. By a decent amount, Progressive came back with the best value of cost and coverage right at $758/yr PIF. 2 weeks later I received a bill for $620 as a policy adjustment taking my premium up to $1378/yr. What I learned is for some reason the boat I'D originally shows a 190/192 in the system....then In the new/higher premium a discrepancy in toral HP (showing 380), 40 more than actual. After all said and done we dropped down a bit to $976/yr...still comparable to what I saw out there. So heads up, if you feel like you're paying more than you should...you just might be. See ya on the water!!!
     
  2. Wayloncle

    Wayloncle Jetboaters Commander

    Messages:
    1,584
    Location:
    33080 San Quirino, Italy
    Ratings:
    +1,439 / 17
    Boat Make:
    Yamaha
    Year:
    2009
    Boat Model:
    AR
    Boat Length:
    23
    When I got my boat in FL Progressive was the highest rate by far, about twice as high as others that I called, and all info was correct. I wound up with Geico, the coverage is actually Seaworthy.
     
  3. haknslash

    haknslash Jetboaters Admiral

    Messages:
    4,438
    Location:
    Alabaster, AL
    Ratings:
    +4,323 / 101
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    AR192
    Boat Length:
    19
    i went with BoatUS who uses Geico as their underwriter. I pay $377/year for my 2016 AR192 with $500k liability ($390 deductible), $939,800 fuel spill coverage, $3,000 for the galvanized trailer ($50 deductible), $3,000 personal property. This is with their top tier Yacht policy which is a total cost replacement policy. Covers me for all US inland lakes and US/Canada coastal.

    We have everything else with State Farm but their quote was like 3x as much. Crazy!
     
    • Agree Agree x 1
  4. AZDANSX230HO

    AZDANSX230HO Passed Away In Memoriam-RIP

    Messages:
    1,071
    Location:
    Prescott Valley, AZ
    Ratings:
    +1,462 / 116
    Boat Make:
    Yamaha
    Year:
    2008
    Boat Model:
    SX
    Boat Length:
    23
    From my experience Progressive is dirt cheap on jet ski's, for boats they are way expensive. We pay $ 363.00 per year with State Farm, granted we have been insured with them for 25+years and have every discount they offer.
     
  5. Zarrella

    Zarrella Jetboaters Captain

    Messages:
    2,170
    Location:
    Lake City, Florida
    Ratings:
    +1,954 / 9
    Boat Make:
    Yamaha
    Year:
    2008
    Boat Model:
    Limited
    Boat Length:
    23
    @Craaaiiiggg
    Welcome aboard! I have my insurance with USAA/Progressive at $510.00 a year in North Florida
     
  6. Matt J

    Matt J Well-Known Member

    Messages:
    70
    Location:
    Springboro OH
    Ratings:
    +48 / 1
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    SX192
    Boat Length:
    19
    Wow!! I just got my insurance last week, and went with Progressive. $283.00 yr. I checked putting it on our MetLife policy that we have our cars and homeowners insurance through. I was quoted $5xx.00. I have Progressive on three of my motorcycles, so maybe that makes a difference.
     
  7. CFD3Captain

    CFD3Captain Jet Boat Junkie

    Messages:
    389
    Location:
    Coshocton, Ohio
    Ratings:
    +312 / 1
    Boat Make:
    Moomba
    Year:
    2014
    Boat Model:
    Wake
    Boat Length:
    21
    http://www.skisafe.com

    Saved me a good bit over my USAA/Progressive rate. That was even going from my AR192 to the Moomba.
     
  8. REM835

    REM835 Well-Known Member

    Messages:
    81
    Location:
    Lebanon, OH
    Ratings:
    +67 / 3
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    SX192
    Boat Length:
    19
    @Matt J your gonna make me have to shop around. I added mine to my other All State policies. $679 a year. I thought it sounded high. My old Sea Doo Challenger was only $225.
     
  9. Scott griffith

    Scott griffith Jet Boat Lover

    Messages:
    359
    Location:
    Pensacola fl.
    Ratings:
    +150 / 1
    Boat Make:
    Yamaha
    Year:
    2003
    Boat Model:
    SR
    Boat Length:
    23
    I just checked the skisafe link and they quoted me 150 a year but liability only may have to give them a call tomorrow. I know mine is going to be high with most people being that mine is older
     
  10. Matt J

    Matt J Well-Known Member

    Messages:
    70
    Location:
    Springboro OH
    Ratings:
    +48 / 1
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    SX192
    Boat Length:
    19
    Yes, prob a good idea.....My rate is with a recent speeding ticket I got in Georgia driving back from Siesta Key, Fl. If I remember correctly, that raised it by $30.00 or something close to that.
     
    Last edited: Aug 14, 2016
  11. Zarrella

    Zarrella Jetboaters Captain

    Messages:
    2,170
    Location:
    Lake City, Florida
    Ratings:
    +1,954 / 9
    Boat Make:
    Yamaha
    Year:
    2008
    Boat Model:
    Limited
    Boat Length:
    23
    The big difference is in where you live. We pay out the ass in Florida! It is not cheap to buy all the news airtime we need to report all the crazy things done by the wack jobs living in Florida!!:winkingthumbsup"
     
    • Like Like x 1
  12. AZDANSX230HO

    AZDANSX230HO Passed Away In Memoriam-RIP

    Messages:
    1,071
    Location:
    Prescott Valley, AZ
    Ratings:
    +1,462 / 116
    Boat Make:
    Yamaha
    Year:
    2008
    Boat Model:
    SX
    Boat Length:
    23
    All in where you live, rates seem all over the place on here.
     
    • Agree Agree x 1
  13. Craaaiiiggg

    Craaaiiiggg Active Member

    Messages:
    5
    Ratings:
    +1 / 0
    Boat Make:
    Yamaha
    Year:
    2016
    Boat Model:
    SS
    Boat Length:
    21
    I hear ya brother...I've been hear 9 years and I still shake my head at the cray things I see...I think it was comedian patton oswalt who said something like Florida is the condom of the United states just catching all the disease and testosterone....we should lance it and let it spill out into the ocean. That said the good parts are a little slice of paradise and ripping through the water makes the rest tolerable.

    So, just got a quote through boatus..$850.00. Clean driving record and impeccable credit.
     
  14. Smassey22180

    Smassey22180 Active Member

    Messages:
    40
    Location:
    Ponte Vedra Beach, FL
    Ratings:
    +13 / 1
    Boat Make:
    Yamaha
    Year:
    2009
    Boat Model:
    SX
    Boat Length:
    23
    Because Florida. Most major companies have pulled out of FL for boat coverage (State Farm and Allstate to name a few). I use Progressive and they are fine.
     
    • Agree Agree x 1

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