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Unread 12-02-2013, 07:12 PM   #16
Tom95YJ
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I pay 78 a month for Full coverage between both my YJ and XJ with Bear River Mutual, But I also have my home owners through them also and I had to sign a waiver saying I don't drink and drive, and that I travel less then 7 miles round trip a day

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Unread 12-02-2013, 08:49 PM   #17
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Quote:
Originally Posted by jakeshaffer View Post
Been there, done that. They are quoting me at like $80/month average rate. Yikes.
Yikes? For $80/month? Or do you mean "Yikes!" as in "Yikes! That's a great deal!" because I can't get vehicle insurance for my Jeep that's less than $100/mo and I have an absolutely flawless driving record.
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Unread 12-02-2013, 09:51 PM   #18
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Decent insurance IS dumb. Back in 2007 when an idiotass totaled my car and only had $10,000 worth of coverage, and my car that got totaled had an insurance value of $17,500, my insurance (Geico) paid for the remaining balance without effecting my rates, I felt real dumb and wished I hadn't had that insurance and instead took the $7500 loss myself or tried to sue a guy with no money. Then back in May of this year, when two idiots got in a wreck because one ran a red light and the other turned in front of them and one of the trucks involved rolled back into the front of my Magnum R/T and caused $5300 in damage, and my insurance stepped up and fixed it right away, while the other parties that caused it argued about who's fault it was for about 2 months, I again wished I had crappy insurance or none, so that I would have been without my daily driver for those two months. I also hated the rental car I was given with no out of pocket expense, at a mere several dollars a year extra.

My Jeep is paid in full as I bought it in cash, and to this day I keep full coverage. I paid $9000 for it, and if it is ever stolen or totaled by someone with no insurance, I don't want to be out $9000.

Insurance is a "rip off" until you need it, and you don't have to cause the problem for it to pay for itself, as I testified above.

And yes, $80 a month is quite cheap for that "insurance".

If you are driving something worth less than $3000, you may as well just get liability, but otherwise, I say no, full coverage only.
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Unread 12-02-2013, 10:36 PM   #19
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^ This
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Unread 12-03-2013, 10:25 AM   #20
Adam013085
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Pretty much boils down to if you can't afford the correct coverage on your vehicle you don't need to own the vehicle in the first place.
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Unread 12-03-2013, 09:00 PM   #21
AlbertaJeeper
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80 bucks a month sounds awesome to me! With full collision and replacement on my '13 I'm at $160 a month. And that's with a maxed out safe driver discount along with a couple others
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Unread 12-03-2013, 10:31 PM   #22
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My 96 ZJ I'm paying $75 a month for the cheapest coverage possible, liability only through Geico, and that's with a clean record discount AND already having another policy discount through them for the motorcycle. I opted for the least expensive insurance for it because this is a donor vehicle for my YJ project, I couldn't care less if I wreck it, I only need it for rainy days anyways. Planning on gutting it next year in the late spring.
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Unread 12-04-2013, 11:53 AM   #23
COLOUXJ
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If 56 is too much, why even pay insurance? You're going to be that guy that everyone hates either way because the coverage you have is crappy.

I pay 80 a month for full coverage, glass replacement is included. Considering in one year i have had three new windshields put in that pretty much covers what I have been paying so far.

Dont be that guy, get decent insurance from a well known company.
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Unread 12-04-2013, 11:53 AM   #24
frenchy206
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Quote:
Originally Posted by Xpress View Post
My 96 ZJ I'm paying $75 a month for the cheapest coverage possible, liability only through Geico, and that's with a clean record discount AND already having another policy discount through them for the motorcycle. I opted for the least expensive insurance for it because this is a donor vehicle for my YJ project, I couldn't care less if I wreck it, I only need it for rainy days anyways. Planning on gutting it next year in the late spring.
That seems really high, unless your under 21. For my 94 xj, I paid half that. At the time I had several claims and a couple tickets.
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Unread 12-04-2013, 05:08 PM   #25
WhiteOut
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What kind if coverage limits are you getting for these prices?

I know that a lot of states have ridiculously low minimums for coverage.

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Unread 12-04-2013, 06:07 PM   #26
Xpress
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Quote:
Originally Posted by frenchy206 View Post
That seems really high, unless your under 21. For my 94 xj, I paid half that. At the time I had several claims and a couple tickets.
Everything drops in February, will have had my license for all of 3 years. I'll be looking at about 95 clams for full coverage on the ZJ..
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Unread 12-04-2013, 07:46 PM   #27
grymsr
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Bit off topic, but I was told geico will not cover off road accidents. True?
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Unread 12-04-2013, 07:59 PM   #28
MBDiesel
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Quote:
Originally Posted by WhiteOut View Post
If $75/month is too much for you, then you need to be riding the bus.

You do understand what will happen if you're at fault and the damage exceeds your coverage right? The victim's insurance will cover them, then they'll rape you in court. So in addition to not having a vehicle (because yours is not broken), you'll be on the hook to the other insurance company. God help you if there are injuries involved or you get sued as a result of the accident.
Agreed 100%. If you have any assets past your car and checking account, get ready to kiss them goodbye if you go over your coverage limit. I carry six figure limits on my liability policies just for this reason.
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Unread 12-04-2013, 08:05 PM   #29
LilyBayXJ
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I switched the full coverage policy on my LJ from Progressive to Liberty Mutual and saved $1,650/year. Seriously!

But then I went to switch the liability from my motorcycle over, and LM wanted $370/year vs. Progressive's $156.

I'd sure like to know where these companies get their numbers from...
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Unread 12-04-2013, 08:19 PM   #30
biffgnar
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Quote:
Originally Posted by grymsr View Post
Bit off topic, but I was told geico will not cover off road accidents. True?
There have been multiple threads about Geico dropping coverage on modified vehicles.
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