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Home » HD Forums » Forums » Open Topic Forum » Boat Insurance Deductibles???
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BarryMacMale Offline
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Post Icon Posted: April 27 2006,7:53 am Post # 1 see this member send this member a private message  quote this post in reply
I'm renewing my Boat Insurance with an different carrier, I had a deductible of $500 with the old company, the new company quoted me both $500 and  $1,000 deductibles, the larger deductible is about $70 a year cheaper, should I even consider going to a larger deductible or stay with the smaller one??? Thanks for you opinions...

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GoFastRacerMale Offline
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Post Icon Posted: April 27 2006,8:25 am Post # 2 see this member send this member a private message  quote this post in reply
All depends on your policy coverage!..
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Post Icon Posted: April 27 2006,8:43 am Post # 3 see this member send this member a private message  quote this post in reply
7 years= $490 is it worth it? $70 is a tank of gas in my boat at these prices :banghead

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Carrera EliteMale Offline
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Post Icon Posted: April 27 2006,10:36 am Post # 4 see this member send this member a private message  quote this post in reply
Is it easier to come up with the $70 or the extra $500 if something were to happen?? :stupid

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BarryMacMale Offline
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Post Icon Posted: April 27 2006,10:48 am Post # 5 see this member send this member a private message  quote this post in reply
Quote (Carrera Elite @ April 27 2006,10:36 am)
Is it easier to come up with the $70 or the extra $500 if something were to happen?? :stupid

The $70 I would guess, since they spread it out over 12 months... :D :D Just kind of curious what ebveryone else does...

RIVER! If you have to ask you wont understand...
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Post Icon Posted: April 27 2006,11:10 am Post # 6 see this member send this member a private message  quote this post in reply
:stupid I don't remember what mine is, I just switched it to my homeowners policy and saved hundreds annually.

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BarryMacMale Offline
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Post Icon Posted: April 27 2006,11:13 am Post # 7 see this member send this member a private message  quote this post in reply
Quote (Ziggy @ April 27 2006,11:10 am)
:stupid I don't remember what mine is, I just switched it to my homeowners policy and saved hundreds annually.

I tried that but focking AAA wont cover it if someone other then myself drives it, I generally don't let other people drive my boats but if there was an accident or something happened to me I would be really screwed...

RIVER! If you have to ask you wont understand...
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LASINCMale Offline
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Post Icon Posted: April 27 2006,12:12 pm Post # 8 see this member send this member a private message  quote this post in reply
I have a $1000 deductible.  I have been covered for 4 years and never had a claim yet (knock on wood).  Thats money I saved throughout the 4 years.  Besides my premium is $790 a year.

Just my .02
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Post Icon Posted: April 27 2006,2:35 pm Post # 9 see this member send this member a private message  quote this post in reply
$1000 deductible.....$472/yr premium on a $15k boat... :rolleyes
Rates have gone up 25% in 3 years...no claims, etc.  :angry
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ZiggyMale Offline
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Post Icon Posted: April 27 2006,2:43 pm Post # 10 see this member send this member a private message  quote this post in reply
Quote (shueman @ April 27 2006,1:35 pm)
$1000 deductible.....$472/yr premium on a $15k boat... :rolleyes
Rates have gone up 25% in 3 years...no claims, etc.  :angry

I do believe mine is $1k deductable....
$420 a yr....give or take a buck
Only one minor claim back in '94----runaway trailer into the neighbors front yard :rolleyes  :laugh
(I didn't like her mailbox anyhow :p )

Edited by Ziggy on April 27 2006,2:45 pm

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BarryMacMale Offline
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Post Icon Posted: April 27 2006,2:54 pm Post # 11 see this member send this member a private message  quote this post in reply
I'm thinking I'm gonna do the $1,000 deductible, never had a claim (knock on wood) so hopefully all will be good, hell if I don't like it I can change it right???

RIVER! If you have to ask you wont understand...
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shuemanMale Offline
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Post Icon Posted: April 27 2006,3:23 pm Post # 12 see this member send this member a private message  quote this post in reply
Be sure to get 100k/300k on liability.....pretty much the standard needed these dayz....
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Post Icon Posted: April 27 2006,3:27 pm Post # 13 see this member send this member a private message  quote this post in reply
its insurance, you hope you never use it. :stupid

go with what is better for the wallet, 70 over twelve months is about 6 bucks.

500 who knows when.
the plan would be never. but someone here had a boat sideswiped what did he have and what did it cost??  BTW mine is 500

jmo :rotflmao

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