When we had our 35 Lightning, tried to go thru progressive. Once I said I lived in NC, they said sorry, no boats over 30' could be insured by them in a "costal state". Didn't matter that we don't even live on the coast or planned to use it in the ocean. WorldWide and Total Dollar were both over $1600; Wordwide was right at $3000 and my driving record is perfect. Ended up going with Total Dollar and then ended up selling the 35 after a couple of months and later bought a 292 Fastech (which is for sale at a really low price, if anyone is interested). Got insurance thru state farm for that boat for $347 per year with no layup, and very low deductible!

>I have a 06' lightning 525 trips, clean record and I am paying over $4,000/year w/5% ded.
>sounds like I may be paying to much!!!
>any Ideas

I am 31 yrs old, clean driving record blah, blah and so on.....................bottom line, paying almost $2500 CDN for a 1999 42 lightning with a pair of 600's.............I am moving south!!!

No kidding!!!.......Im paying $1500 a yr for my old boat.......Jay, we need to shop around!!!!!!!

Don't move too far south! Insuring a boat in Florida is very expensive! You guys in other states sure have it made with boat insurance. State Farm, Allstate and other like these company's will not touch a boat that is over 50mph.

actually, when I think about it my boat IS agreed value............ for signifigantly more than its really worth.