Do I Need Insurance On My Golf Cart | Davis Insurance Associates – Myrtle Beach Golf Cart Insurance

Do You Need Golf Cart Insurance in Myrtle Beach, South Carolina?

Do you own a golf cart?  If so, the best way to cover it properly is with its own golf cart policy.  Davis Insurance Associates, as your local independent insurance agency, can help you find coverage that fits your needs.

You can think of a golf cart like a car, when it comes to insurance.  What if your golf cart is stolen or damaged from an accident?  What if you hit someone or something?  Or maybe worse, what if you are hit by an uninsured driver?  Well, like an auto insurance policy, a golf cart insurance policy can provide coverage for these things.

When you decide that you do need insurance on your golf cart, check with an independent insurance agent in your area.  Local independent agents typically have access to several carriers to quote and provide insurance for your golf cart.  Often an additional or separate policy is used to provide protection, however sometimes certain insurance carriers can add coverage on your existing auto insurance policy.  An experienced insurance agent should look at several options to provide you the best coverage and premium.

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A golf cart policy typically includes a few basic coverages:

Property Damage- This coverage may help pay to repair damage to another person’s property if you are deemed responsible.

Bodily Injury- This coverage may help pay towards medical bills incurred by someone if you cause an accident that injures them.

Collision Coverage- This particular coverage may help pay to repair your golf cart if you collide with another object.

Comprehensive Coverage- If your golf cart is stolen or damaged by something (other than collision) this coverage may help to repair the damage.

Medical Payments- This coverage may help to pay if you are injured as a result of a golf cart incident.

Don’t assume that your Home Insurance policy extends coverage to your golf cart.  The coverage is so limited, it is basically non-existent.  It is best to get a separate policy (or it can sometimes be added to an Auto Insurance policy) for your golf cart.

How much is golf cart insurance in Myrtle Beach?

Golf cart insurance in Myrtle Beach can be as low as $75 per year.  Like auto insurance, it depends heavily on the driving records of the household members and the coverage you select.  For someone with a clean driving record and a not so super fancy golf cart, you should be able to put liability, comprehensive, and collision coverage on your golf cart for under $200 per year.  Considering most golf carts cost between $3000 and $8000 to buy, this is a very reasonable premium for the protection it affords.

Who has the cheapest golf cart insurance in Myrtle Beach?

Well, we are not sure.  But, there is not usually a huge premium difference between carriers or agents.  Like other types of insurance, it may not be in your best interest to purchase the lowest priced golf cart insurance you can find.  You may end of with coverage that basically does you no good.  For example, some products on the market in Myrtle Beach will not provide coverage if the golf cart is taken out of a golf community or on a city street.  Why save maybe $25 a year not to be properly protected?  So before you search “cheap golf cart insurance in Myrtle Beach” and go with the lowest premium, speak to an agent at Davis Insurance Associates about the coverage you need.

Helpful little snidbits:

• Carve or write a number (or something to identify it) in a conspicuous place on your golf cart.  Many have no serial number.
• Consider getting a special key made for your golf cart.  Many have a generic key making it easier to be stolen.
• Wash or rinse your golf cart frequently – just be careful around the dash and electronics.
• Check and refill the water levels in the batteries as needed (for battery powered models).
• Consider having a local dealer service your golf cart every couple years as maintenance.
• Understand how your golf cart charger works.  They don’t all operate the same.

Like many areas, South Carolina and Myrtle Beach have ordinances in place regarding golf cart usage.  You are likely required to carry golf cart insurance and to be able provide proof.

If you need a review of your current golf cart policy or would like a new quote, please call Davis Insurance Associates at 843-213-0000 or visit us at thinkdavisinsurance.com.  We are your local independent insurance agency for Home, Auto, and Flood Insurance in Myrtle Beach – providing you with peace of mind at a price that’s right for you.  When you think about golf cart insurance in Myrtle Beach and South Carolina, #ThinkDavisInsurance.