Go Back  Offshoreonly.com > General Discussion > General Boating Discussion
99 35 Lighting vs 01 35 executioner vs Baja 342 >

99 35 Lighting vs 01 35 executioner vs Baja 342

Notices
General Boating Discussion

99 35 Lighting vs 01 35 executioner vs Baja 342

Thread Tools
 
Old 05-04-2022 | 12:10 PM
  #81  
Registered
Veteran: Army
15 Year Member
 
Joined: Aug 2007
Posts: 1,422
Likes: 1,062
From: Orlando, FL
Default

Originally Posted by Wildman_grafix
I got to say after looking to maybe move to a 42 but that is older and I would need some loan, it is not easy anymore. A lot say no older then 10 years, after 20 it becomes VERY hard. Insurance and loans.

You pretty much need to be a cash buyer, which makes me look at all these 150-180K boats and just be amazed they are selling. Not like you really can find much of any post 2009/10 performance V unless its big power Outerlimits, or huge priced Cig.
I had a hell of a time finding insurance for my 1996 32 Sunsation. 50K value, no prior claims, State Farm wanted $2800/year, since I paid cash I decided to go liability-only for $150/year instead. No other insurer wanted to touch it.

DrFeelgood is offline  
Reply
Old 05-04-2022 | 12:12 PM
  #82  
cigrocket's Avatar
Registered
20 Year Member
 
Joined: Feb 2004
Posts: 2,590
Likes: 173
From: Endicott, NY
Default

Originally Posted by Interceptor
Regarding insurance. Shop it before you buy the boat, you may find out the prospective insurance companies will require a survey of a 25 year old hull regardless of what the Teague or the seller states. They may also require you taking Martin's class. It does look clean.
Not even a question, Insurance will require a survey. Best just to get one if you decide to purchase boat. It will give you some leverage if anything pops up. Plant on at least 2500+ for insurance depending on where you live. Good Luck
cigrocket is offline  
Reply
Old 05-04-2022 | 02:11 PM
  #83  
Thread Starter
Registered
 
Joined: Apr 2008
Posts: 278
Likes: 126
From: Normal IL
Default

Originally Posted by Wildman_grafix
I got to say after looking to maybe move to a 42 but that is older and I would need some loan, it is not easy anymore. A lot say no older then 10 years, after 20 it becomes VERY hard. Insurance and loans.

You pretty much need to be a cash buyer, which makes me look at all these 150-180K boats and just be amazed they are selling. Not like you really can find much of any post 2009/10 performance V unless its big power Outerlimits, or huge priced Cig.
I am paying cash. But still will need insurance. John has it insured now through State Farm for 100k declared value and he said he is at 1k a year. I pay 1k for my SXS it was a pain in the ass to insure since I have it insured for 75k.

Originally Posted by cigrocket
Not even a question, Insurance will require a survey. Best just to get one if you decide to purchase boat. It will give you some leverage if anything pops up. Plant on at least 2500+ for insurance depending on where you live. Good Luck
i have a feeling you right on this. We will see. John said he didn’t need one. But I have a feeling I will need one.
ubet28 is offline  
Reply
Old 05-04-2022 | 05:04 PM
  #84  
VIP Member
Community Builder
VIP Member
 
Joined: Jun 2021
Posts: 3,533
Likes: 2,137
From: SW Ohio
Default

Originally Posted by ubet28
I am paying cash. But still will need insurance. John has it insured now through State Farm for 100k declared value and he said he is at 1k a year. I pay 1k for my SXS it was a pain in the ass to insure since I have it insured for 75k.



i have a feeling you right on this. We will see. John said he didn’t need one. But I have a feeling I will need one.
Ubet,

This may be apples to dump trucks, but.....

Our insurance provider didn't even bat an eye when we bought our PowerQuest. They gave us a number that is quite acceptable. We paid cash for about 2/3 of the purchase price and financed the rest as a personal loan because the bank wouldn't provide financing for anything more than so many years old (Can't remember, but it was obviously over their threshold). Is it the age (only 5yrs older)? is it the length (considerable, I get it)? is it the HP (again, considerable)? Curious....

Thanks. Brad.
(937)545-8991
Brad Christy is offline  
Reply
Old 05-04-2022 | 05:52 PM
  #85  
Thread Starter
Registered
 
Joined: Apr 2008
Posts: 278
Likes: 126
From: Normal IL
Default

Originally Posted by Brad Christy
Ubet,

This may be apples to dump trucks, but.....

Our insurance provider didn't even bat an eye when we bought our PowerQuest. They gave us a number that is quite acceptable. We paid cash for about 2/3 of the purchase price and financed the rest as a personal loan because the bank wouldn't provide financing for anything more than so many years old (Can't remember, but it was obviously over their threshold). Is it the age (only 5yrs older)? is it the length (considerable, I get it)? is it the HP (again, considerable)? Curious....

Thanks. Brad.
(937)545-8991

I think in my situation its the age. I’m looking for a good surveyor in the Lake Havasu area now. So if anyone knows of one let me know.

But not sure what my agent will say i have homeowners 3 autos my sxs my business general liability work comp and commercial auto with another 5 trucks 5 trailers my inland marine policy with 500k in coverage. They better think twice about messing with me to much. I will yank it all and go to another company.
ubet28 is offline  
Reply
Old 05-04-2022 | 06:36 PM
  #86  
SB
Registered
20 Year Member
 
Joined: Nov 2004
Posts: 14,152
Likes: 3,712
From: On A Dirt Floor
Default

Originally Posted by ubet28

But not sure what my agent will say i have homeowners 3 autos my sxs my business general liability work comp and commercial auto with another 5 trucks 5 trailers my inland marine policy with 500k in coverage. They better think twice about messing with me to much. I will yank it all and go to another company.
We see it alot here. Cross your fingers.
SB is offline  
Reply
Old 05-05-2022 | 07:22 AM
  #87  
Registered
15 Year Member
 
Joined: Jun 2007
Posts: 7,329
Likes: 1,834
From: Merritt Island, FL
Default

Originally Posted by ubet28
I think in my situation its the age. I’m looking for a good surveyor in the Lake Havasu area now. So if anyone knows of one let me know.

But not sure what my agent will say i have homeowners 3 autos my sxs my business general liability work comp and commercial auto with another 5 trucks 5 trailers my inland marine policy with 500k in coverage. They better think twice about messing with me to much. I will yank it all and go to another company.
I am in Florida now, insurance on everything is a PITA.
Wildman_grafix is offline  
Reply
Old 05-05-2022 | 09:27 AM
  #88  
Registered
15 Year Member
 
Joined: Aug 2010
Posts: 2,233
Likes: 550
From: Cape Coral FL
Default

State farm told me that they wouldn't insure a boat with over 500hp
snapmorgan is offline  
Reply
Old 05-05-2022 | 09:38 AM
  #89  
bencini231's Avatar
Platinum Member
10 Year Member
Platinum Member
 
Joined: Jul 2013
Posts: 834
Likes: 640
From: Paducah,Ky
Default

Originally Posted by snapmorgan
State farm told me that they wouldn't insure a boat with over 500hp
I think it all depends on the agent most times. Someone I know tried the same agent as I have and could not get insured due to hp. My boat had more than his and mine was actually stated on my policy.
bencini231 is offline  
Reply
Old 05-05-2022 | 09:41 AM
  #90  
Registered
15 Year Member
 
Joined: Aug 2010
Posts: 2,233
Likes: 550
From: Cape Coral FL
Default

The agent actually sold me the policy and it was kicked back about a month later by corporate with a letter stating that.
snapmorgan is offline  
Reply


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

Copyright © 2026 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.