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Old 06-09-2007, 07:44 PM
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Default Progressive insurance and towing

New boat - Scout 160 - and new insurance. Policy covers towing up to $300. Would that normally cover a tow from as much as 2 or 3 miles out in the Gulf? Policy says limit to 75 miles out. Don't think I'll try that with a 16 footer,but wondered if it's advisable to buy Sea Tow coverage if I have it covered with the insurance.



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Old 06-09-2007, 08:52 PM
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Default Re: Progressive insurance and towing

I used to have Progressive, call them up, the $300 is the basic that comes with the policy but you can increase it for a few dollars more. I think I increased mine to $1000 when I had it. The only drawback is you have to pay at the time of the tow and then get reinbursed (the tow companies take credit cards). I used the tow ins twice when I had progressive and both times I had my reinbursment check within 3 days.
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Old 06-09-2007, 10:46 PM
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mbb
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Default Re: Progressive insurance and towing

towing charge starts from the time the towboat leaves the dock, till he docks you up. Not sure what it runs today, probably $150-175/hr . If you are towed at displacement speed (5-7 knots) your cost depends on how far you are away from your dock (or wherever you want to be towed to).

$300 is about the minimum tow bill you will ever see.
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Old 06-09-2007, 11:54 PM
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Default Re: Progressive insurance and towing

It does not compare to the Sea Tow or Boat US Tow policy - depending on who is better in your area. As previously posted you will have to lay out the $, and the rates can be atsronomical. I also have tow coverage in my policy and it covers up to 1K - it comes with the policy free. I wish I could remove it and get a refund. I have Sea-Tow, (thankfully have never had to use it) and I like the peace of mind of knowing help is only a radio or phone call away, and I don't to worry about paying for it and then getfing reimbursed
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Old 06-10-2007, 12:15 AM
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Default Re: Progressive insurance and towing

Hi Peddler,
I would absolutely go with Boat U.S. coverage. For $125.00 for the "Unlimited' coverage it is well worth it.
Insurance companies are S.O.B,'s - I can guarantee if you make one claim ... just one... your premium for next year will go through the roof or even a better thing they do is reject you for renewal ...
All insurance companies want to do is sit there and have the money roll in... they are all smiles.
When they have to make a payment it is a completly different story then !!
Believe me.... I have been there... It is NO PICNIC !!
If you have time to cancel your policy I would do it as soon as you can and go with BOAT U.S. Insurance and Towing
Good Luck with you new boat... Have a safe and happy season.
Good Health.
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Old 06-10-2007, 05:57 AM
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Default Re: Progressive insurance and towing

Quote:
SeaRay_28 - 6/10/2007 12:15 AM


Insurance companies are S.O.B,'s - I can guarantee if you make one claim ... just one... your premium for next year will go through the roof or even a better thing they do is reject you for renewal ...
Like I said, I had Progressive for several years, after I made the 2 claims (not in the same year) this was NOT the case, my rate did not go up. I will add though that both claims were fairly small, I was less than 2 miles from my home port both times.
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Old 06-10-2007, 07:50 AM
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Default Re: Progressive insurance and towing

Get Sea Tow. Great peace of mind.....
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Old 06-10-2007, 10:35 AM
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Default Re: Progressive insurance and towing

Thanks for the replies.
I'll probably just get Sea Tow in addition. The towing on the insurance policy also covers the trailer and boat in route or while launching. $17 extra a year doesn't seem that bad. I've had Progressive Motorcycle insurance for years and have been pleased with it.
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