Insurance ? who to use

Just had a talk with Progressive yesterday. My insurance had lapsed because they never recieved my check. Anyway, the policy was updated and in doing so because we've been accident free for 4 years,I now fall in the nodeductable catagory. They "maxed out" my deductable to $5000 which in turn dropped my insurance premium $100. If I wreck the boat they will replace it at no cost to me up to 9k. Pretty sweet if you ask me.

My boat is agreed at a value of 7,500 and the magnum trailer for 500.00 Liabilty for injury is 100,000 for each person up to 300,000. It also has medical added to it, which gives 3,000 medical payments if needed.

I would be curious to know what liability limits you guys with $100 premiums have. Either theyre extremely low or Im overpaying for my insurance.

I go through Global Marine (affiliated with USA Waterski), and my policies are underwritten by Ace ('90) and Progressive ('71). I have agreed upon values with both- I had to drop Ski Safe when they mandated I change to a "book value" policy a few years back... apparently my '90 was "too old". Ive never had a problem with any of the companies Ive dealt with, but Ive never had a claim.

+1 Boat US

I deal with Farmers insurance. I have a great agent if you need someone. I have full coverage, runs me 125 for the year with a good deductible on the boat.

I have Progressive also with an agreed upon value on a 30 year old boat. Rates are right there with everybody else. No claims so far but it all looks good on paper.

Progressive has a pretty neat dissapearing deductible. The more years you dont have a claim they lower the deductible, then you can keep raising your deductible to get cheaper rates, essentially having a zero deductible. Make sense??? It took me a minute. I have three boats with them. No problems, but I have never had a claim.