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Unread 03-22-2011, 04:54 PM   #1
PhilipJ
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1999 XJ Cherokee 
 
Join Date: Feb 2004
Location: Oak Harbor, WA
Posts: 1,417
Who do you use for insurance?

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.

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Unread 03-22-2011, 05:11 PM   #2
bds5
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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.
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Unread 03-22-2011, 11:02 PM   #3
TinkerAB
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1997 TJ Wrangler 
 
Join Date: Aug 2009
Location: Tacoma, WA
Posts: 409
country financial.
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.
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Unread 03-25-2011, 08:16 PM   #4
RaggedOleMan
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Geico...don't be hatin'...
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Unread 03-26-2011, 07:07 AM   #5
jonwood
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Liberty Mutual, they have been good to me.
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Unread 03-27-2011, 08:15 AM   #6
hitman76
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USAA
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Unread 03-31-2011, 01:59 PM   #7
PhilipJ
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Location: Oak Harbor, WA
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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.
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Unread 03-31-2011, 03:19 PM   #8
Scooter_Trash
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Quote:
Originally Posted by hitman76 View Post
USAA

x2, plus they cover me offroad too.
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Unread 03-31-2011, 09:03 PM   #9
yelset
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Location: Fox Island, Washington
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Pemco, I probably shop around, but I they have been taking my money for 25 years and I am lazy.
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