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Premium calculator help index

We want to give you the most accurate UltraGard premium estimate. To help us ensure accuracy, please reference the definitions and instructions below.

  • Machine group

    To determine the appropriate machine group, find where your equipment is listed below. Please note that automobiles, trucks, or other motor vehicles designed for primary use on public roads or highways, are not eligible for coverage. Drone aircraft are also currently excluded.

    Harvesting

    • Beet harvester
    • Combine and forage harvester components
    • Corn heads
    • Corn pickers/huskers/snapers
    • Combines
    • Peanut combines
    • Platforms
    • Sugar cane harvesters

    Other ag/Residential mowing

    • Tractors
    • Lawn and garden tractors
    • 3-point hitch attachments
    • Air seeders
    • Ams equipment
    • Application equipment
    • Other agricultural attachments
    • ATVs
    • Autonomous mowers
    • Autotrac and activations
    • Backhoe attachments
    • Bale handlers
    • Bale spears
    • Baler carriers
    • Blowers
    • Box blades
    • Box scrapers
    • Chainsaws
    • Compact tillage equipment
    • Crop care
    • Cultivators
    • Rotary brooms
    • Grain drills
    • Lawn and garden tractor attachments
    • Tractor attachments
    • Utility vehicle attachments
    • Forage wagons
    • Gators
    • Generators
    • Grain carts
    • Guidance systems
    • Hay mergers
    • Hay tedders
    • Header transports
    • Implement carrier/trailer
    • Individual planting units
    • In-line bale wrappers
    • Landscaping rakes
    • Livestock and equine products
    • Loaders
    • Log splitters
    • Mounted sprayers
    • Nutrient applicators
    • Disks
    • Pallet forks
    • Planters
    • Plows
    • Tillage equipment
    • Rear blades
    • Receivers, RTK, and activations
    • Residential mowers
    • Rotary rakes
    • Tillers
    • Scarifiers
    • Scrapers
    • Seeders
    • Silage defacers
    • Snow removal
    • Soil pulverizers
    • Spreaders
    • Subsoilers
    • Trailed sprayers
    • Trimmers
    • Utility vehicles
    • Rakes
    • Harrows

    Cotton pickers

    • Cotton pickers

    Cotton strippers

    • Cotton strippers
    • Cotton stripper heads

    Construction with skid steer

    • Articulated dump trucks
    • Augers
    • Cold planers
    • Skid-steer loaders
    • Compact wheel loaders
    • Dozers
    • Construction tractors
    • Crawler loaders
    • Compact excavators
    • Excavators
    • Disc saw felling heads
    • Dozer blades
    • Forklifts
    • Hyd scarifier box blade
    • Land levelers
    • Land planes
    • Mining excavators
    • Motor graders
    • Mulching heads
    • Wheel loader backhoes
    • Rigid mining trucks
    • Rock buckets
    • TimberRite measuring and control systems
    • Tracks
    • Trenchers
    • Vibe rollers
    • Wheeled skid steers
    • Crane
    • Other construction attachments

    Feller buncher and tree harvester

    • Forwarders
    • Feller bunchers
    • Tree harvesters

    Other forestry equipment

    • Booms
    • Bundlers
    • Forestry excavators
    • Grapples
    • Log loaders
    • Swing machines
    • Knuckleboom loaders
    • Skidders
    • Wood chippers

    Commercial/Mower/Sprayer/Hay

    • Aeration and debris maintenance
    • Commercial front mowers
    • Commercial walk-behind mowers
    • Disc mowers
    • EZtrak mowers
    • Fairway mowers
    • Flail choppers
    • Flail mowers
    • Flail shredders
    • Forage harvesters
    • Grooming mowers
    • Large-area reel mower
    • Square balers
    • Mower conditioners
    • Mowers and material collection
    • Quiktrak stand-on mowers
    • Riding greens mower
    • Rotary cutters
    • Round balers
    • Self-propelled sprayers
    • Sickle bar mowers
    • Walk-behind greens mowers
    • Wide-area mowers
    • Windrowers
    • ZTrak™ mowers

  • Description

    Use this field to describe equipment on the contract. This field is not tied to any others or used in any calculations. 

  • Condition

    Choose new or used. To be considered new, equipment must have less than 350 engine hours.

  • Cash price

    Cash price is the insured or equipment value. When entering cash value, do not enter dollar signs or decimal points. 

    When determining cash price, please consider:

    • All covered equipment, new and used, must be insured to value
    • Additional security/equity add-on items also must be insured to value
    • Cash price includes sales tax
    • Cash price does not include trade-in or down payment

  • Premium

    Premium is included in loan payments and is guaranteed for the term of the contract.

    • If the customer pays the contract off early, the premium is prorated for the time coverage is in force.
    • The customer has the option to pay cash premium up front for the total contract period. 
    • The premium amount is equal to the cash price times the monthly contract length. Policy minimum is 
      $100.

  • Equipment location

    When choosing a state, choose the actual physical location of selected equipment.

  • Months financed

    This is the total number of months the equipment is financed, including any waiver period. For example, a four-year lease is 48 months.

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