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you know you drive a ZJ when...

876K views 11K replies 721 participants last post by  kg6mov 
#1 ·
Saw this on the YJ forum and thought it might be fun to try here
 
#8,082 ·
SchizophrenicMC said:
I can't afford full coverage. Sub-25 male with an at-fault in the last 5 years here. Basic liability for my two cars would cost me $350/mo at the cheapest. Full coverage on either of them would double that.
Dang. I'm 22 with two ZJs and a motorcycle with a reckless endangerment on my record. Full coverage for all of that is $89 a month.

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#8,087 ·
My last insurance agent told me full coverage wasn't an option on a vehicle over 10 years old unless I went with a classic car policy... Was he full of poop, or are some companies like that?
Not that I could afford full coverage anyway.....
 
#8,091 ·
My last insurance agent told me full coverage wasn't an option on a vehicle over 10 years old unless I went with a classic car policy... Was he full of poop, or are some companies like that?
Not that I could afford full coverage anyway.....
Some are like that but I've never heard of having to get a policy like that for a 10 year old vehicle. I'm with Farmers and I think their's is 25 years
 
#8,094 ·
My family are probably changing insurance providers next month (after a long run with Progressive Mutual. Not knocking Progressive. They have excellent claims service and they're awesome if you're buying full coverage or you get into an accident. They're just expensive) so we can get the GMC, Jeep, 240, and Fusion covered for about $340/mo. Full coverage on the Fusion because it's financed, liability on the rest, because all of that's worth very little. As undersigned drivers on my grandma's policy, my dad and I are able to get by. (We all live in the same house)

In Texas, there's like 36% uninsured, and a really high accident rate, with a ridiculously high fatality rate, so insurance is super expensive down here.

By the by, any provider will do full coverage on just about anything down here, regardless of age. Just, older vehicles will likely be totaled by insurance, instead of repaired. Once a car's 25, though, it qualifies for classic insurance, though most classic insurers won't cover a car that's under 4 grand.

You know you drive a ZJ when you're filling out information on it to get an insurance quote and you waffle around on the "is the vehicle modified" checkbox, because you're not sure if a budget boost really counts.
 
#8,095 ·
My family are probably changing insurance providers next month (after a long run with Progressive Mutual. Not knocking Progressive. They have excellent claims service and they're awesome if you're buying full coverage or you get into an accident. They're just expensive) so we can get the GMC, Jeep, 240, and Fusion covered for about $340/mo. Full coverage on the Fusion because it's financed, liability on the rest, because all of that's worth very little. As undersigned drivers on my grandma's policy, my dad and I are able to get by. (We all live in the same house)

In Texas, there's like 36% uninsured, and a really high accident rate, with a ridiculously high fatality rate, so insurance is super expensive down here.

By the by, any provider will do full coverage on just about anything down here, regardless of age. Just, older vehicles will likely be totaled by insurance, instead of repaired. Once a car's 25, though, it qualifies for classic insurance, though most classic insurers won't cover a car that's under 4 grand.

You know you drive a ZJ when you're filling out information on it to get an insurance quote and you waffle around on the "is the vehicle modified" checkbox, because you're not sure if a budget boost really counts.
Or the running boards you scored for $10 at a swap meet (that was the issue I had).
 
#8,109 ·
SchizophrenicMC said:
Here in Texas the car and the driver both have to be covered. That is, if you have 3 drivers and one car, your policy is higher than 1 driver, one car, but if you have 1 driver and 3 cars, the policy is, again, higher. So imagine 3 drivers, 4 cars. Plus Texas' premiums.

And it's strange that it should be that way. I can only drive one car at a time, and I'm paying for insurance; you'd think the insurance would follow me, but no, it only counts for cars I've insured, and only if one of the insured drivers on the policy is driving it. It's a damn conspiracy. :thumbdown:
Here in Montana... We have no insurance laws. We don't even have running water, indoor plumbing, or that new-fangled electricity stuff I hear tell of! I don't even understand what I'm doing with this black box thingy!
 
#8,115 ·
You know you drive a ZJ when you imagine all the stuff you're gonna do to it when money comes around, to keep you from setting yourself on fire working on your other car, stuck between that car and teh ZJ.

Changed the 240's fuel injectors today. That car runs so much better now, but it was a pain changing them because the 240 sits behind the ZJ on my driveway. Two cars in a row does not a lot of room make.
 
#8,120 ·
I don't have the garage to work in, just the driveway, which is at a nice incline and this is Texas. We used to have a tree, then the drought came and it died and fell over. Now I have no shade either. Lots of fun.
 
#8,123 ·
My garage is SMALL so Jus enough room for the tool box house hold storage crap and a decent sized work bench. but most work gets done in the sunny FL driveway! Unless I'm working under the jeep, Nice and shady!
 
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