[EdFNJ]

Anyone have any ACTUAL EXAMPLES of cost of insurance they pay for their STREET LEGAL golf car? Checked with my insurance person and they are quoting close to $600 which is almost what my regular car is. Curretly paying around $150 for FULL (maximum) coverage NOT street legal.

I know your specific coverages can vary the rates but looking for a ballpark idea to see how close or far off she is.

Note. This thread is NOT to discuss the pros and cons of street legal GC's or the "why do you need it street legal" question or even gas vs. electric.

[justjim]

Street Legal golf cart insurance is about the same as car insurance in Florida. I had a street legal golf cart for a couple of years and my insurance with an Allstate agent several years ago was in that same ballpark. I sold the cart and the guy took it north. I hope this helps.

[Nucky]

Without doing a whole lot of research I wouldn't mind learning the exact cost of insurance together with the exact benefit and the expanded traveling advantage that a street legal cart would bring. My wife wants a GEM or Atomic Cart. Leaning toward the Atomic because of the A/C. I know it's your thread but the extra info would be helpful for me. Thank's.

[villagetinker]

Call AAA or Villages Insurance and ask them, this will get you real numbers, my understanding, the same or very close to car insurance.

[FMF Doc]

My experience was it is right in line with what my car cost.

Originally Posted by EdFNJ

Anyone have any ACTUAL EXAMPLES of cost of insurance they pay for their STREET LEGAL golf car? Checked with my insurance person and they are quoting close to $600 which is almost what my regular car is. Curretly paying around $150 for FULL (maximum) coverage NOT street legal.

I know your specific coverages can vary the rates but looking for a ballpark idea to see how close or far off she is.

Note. This thread is NOT to discuss the pros and cons of street legal GC's or the "why do you need it street legal" question or even gas vs. electric.

[eweissenbach]

I recently bought a Star Cart that was originally street legal. They said that the insurance went sky high a few years ago to about $700 so they had it redesignated as a golf cart. The insurance for me through AAA (progressive) was a little under $110.

[villagetinker]

Originally Posted by eweissenbach

I recently bought a Star Cart that was originally street legal. They said that the insurance went sky high a few years ago to about $700 so they had it redesignated as a golf cart. The insurance for me through AAA (progressive) was a little under $110.

I hope you had it certified that it cannot go over 20 mph, or you could be in for some big fines and tickets if you are caught. You would be charged with driving an unlicensed LSV, no insurance, etc. Since this vehicle was classified as an LSV at one time, IMHO, it might be an obvious target......

[eweissenbach]

Originally Posted by villagetinker

I hope you had it certified that it cannot go over 20 mph, or you could be in for some big fines and tickets if you are caught. You would be charged with driving an unlicensed LSV, no insurance, etc. Since this vehicle was classified as an LSV at one time, IMHO, it might be an obvious target......

It has a high/low range control. In low it will not exceed 20.

[EdFNJ]

Originally Posted by Nucky

Without doing a whole lot of research I wouldn't mind learning the exact cost of insurance together with the exact benefit and the expanded traveling advantage that a street legal cart would bring. My wife wants a GEM or Atomic Cart. Leaning toward the Atomic because of the A/C. I know it's your thread but the extra info would be helpful for me. Thank's.

I have an Atomic Coupe. We can discuss in PM.


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[EdFNJ]

Originally Posted by villagetinker

Call AAA or Villages Insurance and ask them, this will get you real numbers, my understanding, the same or very close to car insurance.

As I wrote in my OP, that is what I did and is why I am checking.


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[EdFNJ]

Originally Posted by eweissenbach

It has a high/low range control. In low it will not exceed 20.

If the switch is user accessible you can have an insurance problem in the case of a liability bodily injury claim or any claim.


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[thelegges]

We looked at a atomic also last year. I actually thought our agent was making up the $580 for insurance. When I stopped said thanks but no thanks. Not spending that much for a vehicle that I can only drive in TV

[eweissenbach]

Originally Posted by EdFNJ

If the switch is user accessible you can have an insurance problem in the case of a liability bodily injury claim or any claim.


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Just got insurance through AAA, progressive. They took a copy of the re-registration and said nothing about a question of speed. I will check with the authorities and report what they say. If nothing else I could probably have it governed to go no more than 20. My observation is that at least half the carts in TV are capable of more than 20 mph.

[EdFNJ]

Originally Posted by thelegges

We looked at a atomic also last year. I actually thought our agent was making up the $580 for insurance. When I stopped said thanks but no thanks. Not spending that much for a vehicle that I can only drive in TV

Yes, that is what I was quoted for street legal from my agent so I guess she was in the ballpark.

Still considering the value of Strret Legal it for my needs. With registration over $200 and other state fees of around $200 plus the insurance it ain't cheap.

My Atomic is NOT street legal and I am around $150 insurance. The cost of the Atomic is less than a new Yamaha with most of the standard features so for me (as a reg golf cart) it was an easy decision.

[villagetinker]

I would guess more like 75% can go faster than 20 mph, based on what I see from my backyard (a multi-modal road).