Looking for boat insurance. Last year I tried to go with State Farm. Paid the premium of $185.00 in June and got a policy “binder” while the policy was being processed. In about October I got a notice that the paperwork had not been completed correctly and was refunded a portion of my money. The agent I was dealing with was about 80 years old and I had to take him my information 3 times. But he quoted me like $185.00 a year for coverage on the boat, motor and trailer with $2,000 for tackle and electronics.Now Im shopping again and Progressive wants $300+ to what looks like comparable coverage, and a different State Farm agent just quoted me $387.00. This agent said she insures boats all the time but she did not do things like the other quotes. She wanted a grand total for boat, motor and trailer, not individual amounts. I do not understand how 2 State Farm agents itterally 4 blocks away from one another can be $200 different for exact same coverage. The first agent (The old guy) has since retired. Ive read several other forums and post where people are getting insurance for about $200.My question is who do you use and what questions should I ask of the agent. Also a ball park figure of what level of coverage do you have and what you pay if it is not to personal. I ran my credit score through 2 of the 3 services and it is very very good and Ive not ever had an accident.My boat is worth about $9,000150 Merc Motor about $7,000Trailer about $3,000tackle and electronics $2,000Last edited by ctford on February 28th, 2012, 12:03 am, edited 1 time in total.
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