goodbye tj dreams... - JeepForum.com

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post #1 of 41 Old 03-02-2006, 02:52 PM Thread Starter
hansimusmaximus
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goodbye tj dreams...

my dad just checked what insurance would be if i were to get a tj sport. 1200 for 6mo. that's just rediculous. i have a perfect record and have had the good student discount since i turned 16, i'm 19 and in college now. man this sucks. please tell me it would be lower than this for an xj!? sorry for the rant.

Last edited by hansimusmaximus; 03-02-2006 at 03:21 PM.
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post #2 of 41 Old 03-02-2006, 02:55 PM
TellyDSP
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My YJ was 2400 annually, IIRC. 3600 after I rearended someone. That was when it was still on full coverage.

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post #3 of 41 Old 03-02-2006, 02:58 PM
NIUPonyBoy
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My YJ is $343 a year. Everything else is killing me. lol

'13 Explorer, '12 Outback,'07 JK, '06 Mustang GT, '05 PowerWagon,'05 Freestar, '02 Yamaha
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post #4 of 41 Old 03-02-2006, 03:29 PM
bobjp
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I don't understand why some people have such expensive insurance. If you are a good driver, why do you need full coverage? I'm 20 (but still on my parents policy) and pay $500 a year for minimal coverage. It takes care of any type of accident, but it doesn't cover theft or vandalism.

What is the point in spending oooohhhh say $5000 on a Jeep and then paying $2000 a year for insurance. With that insurance money you could have gone out and bought another Jeep if yours got wrecked.

Of course if you want full coverage on a sportier vehicle (like a wrangler) it'll be more expensive, but why do you need full coverage. It seems like such a waste of money. How often do you think your going to get in an accident. Just let driving safetly be your insurance and forget full coverage.

Not trying to bash anyone, I have just always wondered this.

97 TJ sport.
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post #5 of 41 Old 03-02-2006, 03:35 PM
walter_da_jpr
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When i was sixteen the WJ was 1750 annual. Good student discount

WALTER
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post #6 of 41 Old 03-02-2006, 03:36 PM
red99tj
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Quote:
Originally Posted by bobjp
I don't understand why some people have such expensive insurance. If you are a good driver, why do you need full coverage? I'm 20 (but still on my parents policy) and pay $500 a year for minimal coverage. It takes care of any type of accident, but it doesn't cover theft or vandalism.

What is the point in spending oooohhhh say $5000 on a Jeep and then paying $2000 a year for insurance. With that insurance money you could have gone out and bought another Jeep if yours got wrecked.

Of course if you want full coverage on a sportier vehicle (like a wrangler) it'll be more expensive, but why do you need full coverage. It seems like such a waste of money. How often do you think your going to get in an accident. Just let driving safetly be your insurance and forget full coverage.

Not trying to bash anyone, I have just always wondered this.
when your junk catches on fire, floods, is stolen, damaged bc of weather youll really wonder why you didnt get it...those things may not happen, but youd kick yourself if they did

Frank
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post #7 of 41 Old 03-02-2006, 03:37 PM
AMK
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Quote:
Originally Posted by bobjp
I don't understand why some people have such expensive insurance. If you are a good driver, why do you need full coverage? I'm 20 (but still on my parents policy) and pay $500 a year for minimal coverage. It takes care of any type of accident, but it doesn't cover theft or vandalism.

What is the point in spending oooohhhh say $5000 on a Jeep and then paying $2000 a year for insurance. With that insurance money you could have gone out and bought another Jeep if yours got wrecked.

Of course if you want full coverage on a sportier vehicle (like a wrangler) it'll be more expensive, but why do you need full coverage. It seems like such a waste of money. How often do you think your going to get in an accident. Just let driving safetly be your insurance and forget full coverage.

Not trying to bash anyone, I have just always wondered this.
I hope you don't have minimum liability coverage.

Regarding collision coverage, many banks require full coverage on vehicles that they have a lien on. With your example, it would take you 2.5 years of the insurance premiums to repurchase the vehicle. What happens if you total the vehicle the day after you purchased it? $5000 down the drain.

Safe driving does not account for everything -- accidents happen.

YJ->donated; XJ->donated; XJ->in progress.
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post #8 of 41 Old 03-02-2006, 03:37 PM Thread Starter
hansimusmaximus
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i totally understand what you are saying and i have thought about this too. but i'll prolly be spending around 10k and i just don't want to risk it. my bro had his truck stolen a few years ago, locked, on the well lit driveway, in a very nice neighborhood. maybe that got me a little scared. besides, i'm not worried at all about my driving, it's the other guy....
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post #9 of 41 Old 03-02-2006, 03:41 PM
MuddyJeepZJ
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You need full coverage if a Jeep is Financed as well. If you really want to hate insurance come to NJ.

2004 Jeep Wrangler Rubicon
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post #10 of 41 Old 03-02-2006, 03:41 PM
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Being 27 with an 8 page driving record, the insurance on my SE-R isn't that bad. About $1500 a year fur full coverage.

Thats my 2 cents, and I expect change.

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post #11 of 41 Old 03-02-2006, 03:41 PM
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I pay about 2000 a year. For full on the TJ and every car I drive (5) execpt the 88 camry. This also is with un-insured motorist- (highly recommend this).
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post #12 of 41 Old 03-02-2006, 03:44 PM
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no one ever cares until they need it.

I use state farm, and will always do so based on how painlessly they handle my claims, don't nickle and dime me, always return my phone calls, and have an office 5 mins away where I can go into and talk to my agent face-to-face.

I just had to replace my tailgate hinges...$435. I'll pay a $200 deductable on that.

For $63 a month, and buckets of coverage with low deductables, I am very very happy. $750 a year for great coverage is not a huge investment.
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post #13 of 41 Old 03-02-2006, 03:49 PM
Timmy
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It has to do with many factors: where you live, your record, your age(young is bad), your sex (young male is bad), the car, etc
There is a scale of how much risk a vehicle is to an insurance company. It goes from 4 (I think) to 20 (also unsure), and I know the wrangler is a 16, which is really bad.
I was paying $200/month before, but now that I'm 25, I'm paying $75/month.

'Ought Four TJ
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post #14 of 41 Old 03-02-2006, 03:55 PM
Dolfy
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Quote:
Originally Posted by bobjp
Of course if you want full coverage on a sportier vehicle (like a wrangler) it'll be more expensive, but why do you need full coverage. It seems like such a waste of money. How often do you think your going to get in an accident. Just let driving safetly be your insurance and forget full coverage.

Not trying to bash anyone, I have just always wondered this.
If you still have a loan on the vehicle then you have to have full coverage. At least it's like that here in Pa. As for driving safely... I worry about the others on the road and not myself. You can't prepare enough for them.

'00 Blue TJ Sport & '08 Red KK Sport (OIIIIO)
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Some people are like Slinkies... They don't really have a purpose, but they still bring a huge smile to your face when you push them down a flight of stairs.......
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post #15 of 41 Old 03-02-2006, 04:24 PM
bobjp
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Quote:
What happens if you total the vehicle the day after you purchased it? $5000 down the drain.
It doesn't make any difference when you total your vehicle. Even with having minimal coverage I still get the value of the vehicle if I get in an accident. Like I said the only thing I lose out on is theft, vandalism, weather damage etc. I'll be saying, "Well, I just totaled my new car, but at least I only made the first $250 insurance payment instead of $2000."

Quote:
I hope you don't have minimum liability coverage
In Michigan we have no fault insurance, so your company pays for your car no matter whose fault it is. I guess that would make a difference.

97 TJ sport.
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