Whether you hit the links on a regular basis or you live in a gated community, having a golf cart is an excellent way to get around. They are much more convenient than cars, and they enable you to stay mobile without the added expense. However, because golf carts are motorized vehicles, you still have to make sure that you’re covered in case of an accident.
At Findinsurance.com, we make it easy to find golf cart insurance online, and we want to provide you with all of the necessary details, such as golf cart insurance average costs, as well as what’s included in most policies. Every time you hit the road in your cart, we want to ensure that you have peace of mind as you would with any other type of vehicle.
Do I Need Golf Cart Insurance?
One of the first questions that people ask is if they need a separate policy to cover their golf carts. To answer that, we have to look at the way you plan on using the vehicle. Here are some common considerations to think about when choosing the right coverage.
If you only plan to drive your cart on the golf course or on your own property, then you probably don’t have to get a separate policy. Instead, you can add a golf cart endorsement to your homeowner’s insurance plan just in case something happens.
While basic golf carts are not ideal for hitting the road, you can get some suped-up models that go up to 25 miles per hour. If you plan on driving on side streets, you have to be sure that your cart is street legal first. If it isn’t, it could void your insurance coverage if you get into an accident.
In this case, you will have to get an auto insurance policy for low-speed vehicles (LSV). You can talk to your insurance agent about plans that provide sufficient coverage, based on where you plan to drive and how often you’ll be out on the road.
Golf Cart Insurance Average Costs
Thankfully, because these vehicles are not as dangerous as regular cars, you don’t have to worry about paying a fortune for comprehensive coverage. If your cart tops off at 25 miles per hour and it comes with seatbelts, then you can pay as little as $12 a month, provided that you mostly drive to and from the golf course or on private property.
Adding a golf cart endorsement to your homeowner’s policy is the cheapest option, costing about $50 a year on average. Overall, golf cart insurance is both affordable and easy to get, especially if you buy from a national carrier.
How to Save on Golf Cart Insurance
Even though you aren’t going to be paying much in premiums, you may still be able to qualify for discounts. Some factors that insurers consider when drafting your policy can include:
- Insurance Bundling – if you add golf cart insurance to your other plans (i.e. home and auto), you can usually save on each policy.
- Homeowner’s Discount – if you own a home and drive on your personal property, you can save a lot in the long term.
- Occupation – those who have to drive a golf cart for work (i.e. country club staff) may qualify for better rates and more coverage options.
- Safety Certifications – although golf carts are not that dangerous, it helps if you take and pass a safety course.
Buy Golf Cart Insurance Today
At Findinsurance.com, we understand that having the right coverage matters. We provide you with the information you need so that you can discover golf cart insurance average costs and make sure that you’re protected at all times. See how we can make the insurance buying process easier.