Go Back  Offshoreonly.com > General Discussion > Insurance and Finance
21 years old and insurance dont mix! >

21 years old and insurance dont mix!

Notices

21 years old and insurance dont mix!

Thread Tools
 
Old 11-26-2008, 08:28 PM
  #1  
VP of the tickfaw200
Thread Starter
 
Join Date: Jul 2007
Location: baton rouge, louisiana
Posts: 2,083
Received 154 Likes on 66 Posts
Unhappy 21 years old and insurance dont mix!

i am 21 and have a 25 baja OL i cant find any insurance to cover me at my age and on a proformance boat. i dont have any wrecks tickets at al. i would like to get at leats the boat covered any ideas?
caseyh is offline  
Old 11-27-2008, 08:55 AM
  #2  
HP Marine Ins. Specialist
 
Join Date: Mar 2008
Location: Insuring any kind of boat
Posts: 985
Likes: 0
Received 0 Likes on 0 Posts
Default

Progressive should cover you. May not be what you want but at least its coverage.

Lloyds will take you but it will be way too expensive.

How fast is your boat?
WakezoneINS is offline  
Old 11-27-2008, 09:32 AM
  #3  
Gold Member
Gold Member
 
seafordguy's Avatar
 
Join Date: Jun 2006
Location: Seaford, VA
Posts: 4,946
Received 808 Likes on 373 Posts
Default

Originally Posted by caseyh
i would like to get at leats the boat covered any ideas?
Who cares about the boat - get the liability, that's what can ruin you life. All boats are expendable.
seafordguy is offline  
Old 11-27-2008, 10:30 AM
  #4  
Registered
 
Join Date: Oct 2006
Location: St. Petersburg, Fl
Posts: 443
Likes: 0
Received 0 Likes on 0 Posts
Default

when i was 19 i financed a 22 Scarab with a bbc and had to get it insured. I went with Progressive and it was like 180 a month
apache727 is offline  
Old 11-27-2008, 11:34 AM
  #5  
VP of the tickfaw200
Thread Starter
 
Join Date: Jul 2007
Location: baton rouge, louisiana
Posts: 2,083
Received 154 Likes on 66 Posts
Default

its not fast 65 is the best i have got out of it and its payed off . good point about the liability. ill give progressive a call monday. thinks for the help
caseyh is offline  
Old 11-27-2008, 08:03 PM
  #6  
jimdarr40
Guest
 
Posts: n/a
Default

your car insurance company will cover it to less than 60mph, if they are a big name.
 
Old 11-28-2008, 06:30 PM
  #7  
Registered
 
LostinBoston's Avatar
 
Join Date: Mar 2004
Location: NY
Posts: 1,554
Likes: 0
Received 1 Like on 1 Post
Default

Take Tres Martings course. When I was 21 I couldnt get insurance until I took it. No tickets or accidnets either.
LostinBoston is offline  
Old 11-30-2008, 09:16 AM
  #8  
Registered User
 
BAJA WILL's Avatar
 
Join Date: Feb 2001
Location: Tampa, Indian Shores Beach
Posts: 3,300
Likes: 0
Received 1 Like on 1 Post
Default

Well, I was in similar situation, first off, you should only be worried about "Liability coverage" Like you kill someone, or someone was to drown when out on your boat.

If you own a house, it is easy to add it to the home policy.

While I reccomend insurance, depending on your state laws you may not be required by law to have it.
BAJA WILL is offline  
Old 11-30-2008, 02:35 PM
  #9  
VP of the tickfaw200
Thread Starter
 
Join Date: Jul 2007
Location: baton rouge, louisiana
Posts: 2,083
Received 154 Likes on 66 Posts
Default

Progressive covered me for the boat and Liability. i couldnt get what i would have liked on the liability part thay would only cover me for 50,000 and 50,000 on another boat, but thay covered the whole price of the boat. thats the best i could get even if i didnt get full replace ment on the boat. i pay $85 a month i didnt think it was bad. other than the low liability. what do yall think. i am new to all this and having to learn as i go from insurance to mantince thanks for yalls help
caseyh is offline  
Old 11-30-2008, 06:21 PM
  #10  
Charter Member # 55
Charter Member
 
Griff's Avatar
 
Join Date: Oct 2000
Location: Omaha/LOTO
Posts: 19,668
Received 1,903 Likes on 956 Posts
Default

Its better than nothing, but 50k liability will get spent real fast with any major accident.
Griff is offline  


Quick Reply: 21 years old and insurance dont mix!


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.