Hello! I'm Dan Lyles with Lyles Insurance. In this video, we're going to go over the coverages and features of Progressive Golf Cart Insurance.
Progressive is great to have for golf cart policies for two major reasons. Number one is their low rates. And they offer many discounts to make the rate even lower. And they offer special coverages that most golf cart insurance companies will not offer. And we're going to get into those.
The most common mistake people make when they buy insurance for golf carts is that they’ll insure their golf cart as an attached policy onto their homeowners insurance. And while this is simple and convenient to do, you'll find that many of these policies have unreasonable policy restrictions. And they don't always offer the basic coverages, let alone the secondary optional coverages. And so with a stand-alone golf cart insurance policy, nine times out of ten you're getting better coverage and offered more types of coverage. And the best part about it is, an attached and a stand-alone policy are both about the same price. Because just about all golf cart insurance policies are inexpensive. So it only makes sense to buy a better coverage for the same price.
A good golf cart insurance policy at least should offer all five of the basic coverages. These are the same basic coverages you will see on an auto insurance policy. But the same applies to a golf cart insurance policy as well. If you don't see all five of these offered on your policy, that's a red flag! Make sure you see liability coverage, uninsured motorist coverage, medical payments coverage, comprehensive coverage and collision coverage. Any golf cart insurance policy worth its salt will have all five of those coverages. But like I said before, with Progressive, it's the secondary optional coverages they offer that set them apart from other golf cart insurance policies. And I'm going to get into a few of the major ones on the next slide.
There are four main specialty coverages that Progressive offers that's worth taking a look at. Number one is accessory coverage. If you have comprehensive and collision coverage, you automatically have three thousand dollars of free coverage with accessories (that’s anything that you attach permanently onto your golf cart). And if you need to buy more coverage, you can. Carried contents coverage. That insures your personal property (for example, a set of golf clubs). You're going to find very few companies that offer this for a golf cart insurance policy. Trailer coverage. Many people haul their golf carts with a trailer on occasion. And you're going to find that the trailer coverage is very inexpensive as well. And finally roadside assistance. Now many of you probably just think of auto insurance when it comes to roadside assistance. But what if you break down far away from your home, or the country club on a golf cart? It's great coverage to have and very inexpensive.
As I mentioned earlier, although golf cart insurance premiums are pretty inexpensive, Progressive can make them even lower by earning discounts. And they offer a lot of them. I don't have them all listed here, but I want to go over the six major money savers. For example, you earn a discount if you own your home. You earn a discount if you already have golf cart insurance. You earn a discount if you pay for the entire policy in full for a year. If you have more than one golf cart, you can insure both of them onto the same policy and earn a multi-vehicle discount. For those of you who already have an active progressive policy, with the golf cart insurance policy, you qualify and will earn a multi-policy discount. And finally, if you know exactly when your coverage ends, and you're wanting to start a policy on a specific day but get a quote from a few days earlier, you can also earn an advanced quote discount.
For those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, if you'd like to get a golf cart insurance quote with Progressive, I'll be happy to help you
with that. You can contact me in a couple different ways. You can visit my quote page on golf cart insurance and fill out a quote form. And I'll run your quote as soon as I get it. Or if you'd rather just give me a call, I'll be happy to run your quote by phone. Thank you for watching and have a great day!
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..