insurance price variation between companies - Page 2 - SailNet Community
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post #11 of 14 Old 08-17-2010
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I would be real careful with Progressive..I had a claim in mid July...someone hit my motorcycle..agreed value $2K...they told me to get it from storage (almost $500) and I would have the check for that in 24-48 hours..I did so...still no check..

they are waiting for a police report, but have offered a $485 payment and they take the bike, as they rate the damage on a fair/good/better/best scale and THEY decided after they took premiums and an agreed policy..that they will only pay based on the "fair" scale which valued the bike at $650 not the $2K we AGREED and the bike was in primo condition, I even sent them pictures and an shop appraisal...still no check for either...and I have heard every excuse as to why...they won't pay...as they agreed...

I would go elsewhere if I were you..
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post #12 of 14 Old 08-17-2010 Thread Starter
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I, too, have heard bad things about Progressive for car insurance and stay away from them for that reason. I have Amica for my car insurance and couldn't be happier with their service. Sadly, Amica refuses to insure liveaboards for boats (even though they gave me a quote once; the agent I talked to was a former liveaboard, I wonder if he bent the rules... they won't do it again). Progressive likewise refused me a quote. I doubt I'd go with Progressive anyways, but it seemed worth getting a quote.
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post #13 of 14 Old 08-17-2010
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I was quoted $1900 from Boat US when I bought Solare, but they only offered $300K in liability and my marina requires $500K. Called USAA and they got me an agreed value, top of the line Helmsman policy via Markel with the needed $500K for $600 a year.

It pays to shop around...


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post #14 of 14 Old 08-17-2010 Thread Starter
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I've heard good things about USAA in another thread as well, but I believe they require you to be military to get boat insurance (or so their website has led me to believe). If this isn't true, please correct me! I don't think my dad's time in the navy makes me eligible, since he's not a USAA member, and he might not be eligible himself.
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