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Unread 11-18-2003, 06:45 PM   #1
edge1
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Join Date: Jun 2003
Posts: 68
where to get insurance for my 86 CJ7?

my ins company will only insure my cj for $2000 and it should be worth $8-10K. What company will insure for more than blue book value (an agreed upon value)? How are others insuring their very nice or modded cj's?

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Unread 11-18-2003, 07:35 PM   #2
bstruckm
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Join Date: Dec 2002
Posts: 139
Thats a good question, I always figured the premiums would be so high that it wasn't worth it. Just get normal insurance and put the difference into more toys or a rainy day fund.

But search the net for collector car insurance and you'll find tons of companies willing to take your money.

Like http://www.americancollectorsins.com/

Good luck, get some quotes and let us know what they say.
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Unread 11-18-2003, 10:35 PM   #3
CJman77
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1977 CJ7 
 
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Location: Nokomis, Florida
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Hey look into State Farm I have my 77 through them they gave me a decent price. Took pics etc. Give em a shot


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Unread 11-19-2003, 05:25 AM   #4
Scrambler82
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I am not sure where to get this done but if your vehicle is worth more than the book value and you want to insure your vehicle for the larger amount, get an apprasial.

Usually an insurance will insure the vehicle for the increased amount if you want to pay for it.
Have you had any bad dealings with this company ?
Is insurance company an Agency or the actual Insurance Company ?
Call the Insurance Company and ask for information, if it is what you want, present it to your Agent.

Sometimes Insurance Companies will increase the amount if you agree to specific qualification to the pay out. i.e. if the vehicle is stolen there is a pay out. If there is body damage theat happened in the woods (try an prove it) or by abuse then there is no pay out.

My Home Owners policy had no problem nicrease the rider to cover my wife's diamond ring. I guess it all depends on what they consider the risk to be.

There are Antique Car Insurance Companies too.

Luck,
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Unread 11-20-2003, 03:27 AM   #5
Sandman74
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When I bought my 76 CJ7, I brought it to my State Farm agent and told him that it was a restoration/build-up project. He told me to keep my reciepts and keep photos. I now have my "Jeep binder" in my office where all my jeep related reciepts/photos are kept. I sort of get the best of both worlds, a low premium and full coverage.
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Unread 11-20-2003, 03:56 PM   #6
Lightningdon
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Location: Cumberland, MD
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Ditto what Sandman said! I also have my 75CJ insured with State Farm. I simply told them it was not stock, but modified, and wears Street Rod plates. I wanted it insured for a certain amount. Gave them photos, they got back to me and said A OK. They basically do a breif appraisal, and if they think it's a fair price, they will insure for your amount. One limit for me is that I have a mileage limit of 7000 miles per year. My ins is pretty affordable.
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Unread 11-21-2003, 03:52 PM   #7
Sandman74
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I have the same mileage limit and have never exceeded it, so it's no big deal. They will give you a mileage limit as low as 5000 miles if you are looking to shave a few dollars off your premium. Just something to keep in mind.
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