Insurance ? -
Sign Up   Today's Posts
User: Pass: Remember?
Advertise Here
Jeep Home Jeep Forum Jeep Classifieds Jeep Registry JeepSpace Jeep Reviews Jeep Gallery Jeep Clubs Jeep Groups Jeep Videos Jeep Events Jeep Articles
Go Back > General > General Discussion > Insurance ?

Ruffstuff 10 year saleBDS 4-1/2" Suspension Lift Kit - Jeep Wrangler YJRough Country Lift Kits and Parts!

Unread 09-23-2008, 11:53 AM   #1
Registered User
Join Date: Jun 2006
Location: Denver, CO
Posts: 382
Insurance ?

I am a moron when it comes to insurance. Anyways, I am currently DDing my XJ, but have a Jetta I want to start having be my DD. I have my XJ for sale, but am contemplating keeping it, and using it on weekends. So for my question- I have State Farm insurance, and spoke with them and didn't get good answer to my question- is there a seperate way to insure a vehicle that will be used on weekends, both on and off road, and possibly road trips? Will a "storage" insurance policy cover this, since it will be driven occasionally?

XJtheTanK is offline   Reply With Quote Quick reply to this message
Unread 09-23-2008, 01:05 PM   #2
Ed Rico
Registered User
1997 XJ Cherokee 
Join Date: Jun 2007
Location: Terre Haute, IN
Posts: 527
If you're a single driver with 2 vehicles, your insurance company should rate you as primary on one vehicle you designate and as "pleasure/recreation" or some similar weasel word description for the second vehicle based on limited miles/usage since you won't be driving it to/from work daily. You don't want comprehensive-only coverage (fire/theft/vandalism) on your second vehicle unless it's continuously in storage and not being driven since you wouldn't be covered for an accident if you drove it.

If you do stick one of your vehicles in storage for an extended period (like over the winter), by all means call your agent and dial back your coverage to just comprehensive. That'll save a few bucks over your normal pleasure/recreation rating. Just don't forget to call back to have the normal coverage turned back on when you plan to drive that vehicle again.

-Ed Rico
Ed Rico is offline   Reply With Quote Quick reply to this message

Quick Reply

Register Now

In order to be able to post messages on the forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Please enter a password for your user account. Note that passwords are case-sensitive.
Confirm Password:
Email Address
Please enter a valid e-mail address for yourself.

Email Address:


Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.

Thread Tools

Suggested Threads

Jeep, Wrangler, Cherokee, Grand Cherokee, and other models are copyrighted and trademarked to Jeep/Chrysler Corporation. is not in any way associated with Jeep or the Chrysler Corp.