After having my YJ stolen a few years ago and just recently sinking 5k into my XJ, I was wondering who you use. Geico says they won't cover my winch -- the single most expensive item on the Jeep. They then asked if I do any off-roading and if so, how often. I'm not getting a very good feeling about this. I really don't give a **** about off-road damage (worst I've ever done is crack a tail lens on my YJ and I'll fix my own trail boo-boos) but I want everything on it covered in the event of theft or an on-road accident (although I have a 17 year clean record because I'm a damn good defensive driver). I've already been a victim of theft and we all know the Puget Sound is in the top 5 worst places in the country for that.
So, who do you use and why? I just want good coverage that doesn't break the bank, and something that also includes renter's insurance would be nice, too. I figured there'd be some more widely definitive opinions from the PNW crowd than if I asked in general discussion, where I'd get 14 different polarizing answers.
Well i use gmac ins. I have a 06 tj, 00xj full coverage 500 deduct. an 96 toyota pu. and an 99 xj these 2 are liability, all with uninsured motorist, all have Pip. 2000 a year. 1 is used at work everyday.
Full coverage on my 97 TJ and 2007 F-150, for me and my wife runs us 190 a month for both. We are both 22 years old. Seems like a good price to me. also last summer my f-150 was hit by a drunk driver parked in front of my house. He was driving a stolen car with no insurance. $13000 in damage to my truck, all fixed up nice with no rate increase or anything.
97 TJ Locked Front and Rear on 35's
Well obviously USAA would be awesome but I'm not in the military any longer. I guess Geico isn't too bad. They didn't say anything when I told them I'd be taking the XJ off-road, just asked if I do and how often. Kind of pisses me off they won't cover the winch though. I guess I'll be welding those nuts on. Also, I plan on having LoJack installed sometime this summer. I'm not going through having a heavily-modded rig ripped off with no recovery ever again. Probably not a huge issue though since I'll be moving over to the Olympic peninsula the first chance I get. I've had it with the Puget Sound in all aspects.