Collision and Comprehensive (Optional): If a golf car
is involved in an accident (with another vehicle or
object), collision coverage pays for the cost to repair
or replace it, minus the policyholder’s deductible.
Comprehensive coverage pays to repair or replace
a golf car in the event almost anything else happens
to it other than a collision. For example, if a golf car
is destroyed in a fire, vandalized, stolen or damaged
in a storm, comprehensive coverage would cover
those perils.
Golf Car Insurance Cost
Even though golf cars are typically covered under
motorcycle insurance policies, they are generally
less expensive to insure. Progressive Insurance
offered insurance quotes for a golf car used exclu-
sively off-road for as low as $75 per year. The insur-
er also quoted the sample Club Car car for a more
comprehensive policy at $405 per year. The com-
pany does not offer policies for golf cars driven on
public roadways. For comparison, the average cost
of motorcycle insurance in the U.S. is $519.
The cost to insure golf cars and other similar vehi-
cles can reportedly be as much as $600 to $1,000
per year in some areas. In some Florida retirement
communities, where many residents take golf cars
on public roads that can reach 25 mph, the cost of
premiums is significantly higher, according to CNBC.
Like insurance for all other vehicles, the cost of golf
car insurance is dependent on a long list of factors.
Fortunately for golf car owners, the vehicles are not
typically driven on the road and have speed inhib-
itors – both of which reduce their risk and, conse-
quently, their cost.
Shopping For Golf Car Insurance
Golf car owners who are required by law to insure
their vehicles, or choose to do so on their own,
should shop for coverage the same way they would
any other insurance policy. Begin by gathering and
comparing quotes and coverages online.
For owners who drive their golf car on public road-
ways, shopping for insurance might not be as easy
as submitting basic information online. Some carri-
ers might require an owner to call and speak to an
agent about their golf car. Others, like Progressive,
might not insure golf cars driven on public roadways
at all. In this case, there are a number of specialty
insurance companies that can serve their needs.
A compilation of humorous golfing/golf cart short stories
go lf ca rT chronic
les 2
By Suzy James
The Golf Cart
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Chronicles
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A humorous compilation of
golf car/golfing related short stories
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comp
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A hum r/golf ing re
golf ca rt stories
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The Golf Cart
Chronicles 2
A humorous
compilation
of
golf car/golfin
g related
short stories
Suzy James
itsnever2latebo
www.itsnever2 [email protected]
latebooks.com
es
zy Jam
By Su
By Suzy Jam
es
ITSNEVER2LATEBOOKS.COM
HUMOR • COOKBOOKS • SHORT STORIES • COLORING/ACTIVITY COOKBOOKS
JUNE 2018
33