Insurance for South Florida LSV's

[Newbuggyboy]

Here is my Florida Allstate 6 month quote for my 2fiv3

[adrianp89]

Originally Posted by Newbuggyboy

Here is my Florida Allstate 6 month quote for my 2fiv3

That is insane. I pay significantly less than that for two brand new cars (and not cheap cars)

[Shepard]

Are all LSV's electric?

[HeatWave]

Originally Posted by Mikefili

Insurance availability and cost here in south Florida is absurd. The cost is higher for my street legal cart than the cost to insure my crazy fast Z06 corvette. The cost is predicated on the fact that no ins cos other than Allstate will write coverage, and they will only write the cart if you give them all your other vehicles. Anyone that tells you they pay $100 per year does not have ins for the street which needs to include PIP coverage as per Florida DMV. And yes my cart was produced completely street legal from the manufacture and included a MSO document. How can this Barbi Jeep that goes 24 mph be so impossible to insure? I was told by Statefarm, Geico, progressive, safeco, Foremost along with every other insurer that they do not cover. These are not golf carts but are and fall under the guidelines on LowSpeed electric vehicles. Crazy thing is that every time you speak to one of the companies sales reps you get an entirely different piece on information, sort of like speaking to Comcast :). If anyone can help I would appreciate it.

Yep, it's true...
I know that this is an older Thread, just checking to see if anything's changed?

I just about had a coronary, reading the declarations page from Progressive

Liability Insurance (6 months) on my 2010 CC/P LSV at $110 is more than my Zo6 Corvette $69, or my F-250 $109

What are you folks paying for (LSV) Golf Cart Insurance?

What companies are you Insured with?

Any special circumstances??

[RNajarian]

If you are eligible I would suggest looking into USAA.

Eligibility requirements are prior service in the US Armed forces OR child of a parent who did.

The premium for my street legal cart in CA is a little less than $20 per month, complete coverage.

[Wakko47]

Interesting, USAA Wouldn't cover my golf cart despite me already have two vehicles with them. I did not ask about an LSA though.

[RNajarian]

Initially I tried to go through American Collectors Insurance who I have my Classic Porsche insured through, they wouldn’t touch it.

I called USAA asking them if they had any recommendations and they said they could do my cart since it is a LSV and registered with the CA DMV (with plates). I have full insurance for only about $20 a month.

[kernal]

2 carts with USAA. Neither is an LSV. ~$17 per month each. Full coverage.
Peachtree City (GA) is like the Villages in Fla regarding golf carts. Might be a special case some how. IDK

[ruthwiver]

Try contacting the big insurance companies about this, they will help u.

[ruthwiver]

Originally Posted by ruthwiver

Try contacting the big insurance companies about this, they will help u.

I didn't even know that you can get insurance on an LSV... I've never heard of anyone taking out insurance on this type of car. Well, even if you are at one company refused insurance, then try to contact several more. Do not give up after one refusal. If you find a competent agent, he will definitely try to conclude an insurance contract with you, even for such a car! I'm telling you this as a lawyer who understands documents. For money now you can do anything, the main thing is to find people who are willing to cooperate with you. Good luck, buddy :)

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