What Auto Insurance Do You Have?
- Thread starter wayoflife
- Start date
wjtstudios
Hooked
The other big key to check with your agent about is whether or not all of the accessories that we have all added are covered. Most policies only cover the cost or replacement of the year of that jk. Additional costs like lifts, armor. etc are not covered unless you add a rider to cover them. And they may not let you salvage anything either. Just double check with you agent prior to needing it.
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lidless07X
Member
See if you have Haggerty in your state for the classics.
USAA is excellent.
Geico is cheap but you'll get what you pay for. Hope you never have to make a claim
Erie is good but will drop you for an accident
USAA is excellent.
Geico is cheap but you'll get what you pay for. Hope you never have to make a claim
Erie is good but will drop you for an accident
Desertman
New member
QIC as they have police officers who will issue accident reports based in their office. Also only company who offer online insurance and a call centre open until 10:00 pm. I had an uninsured driver hit my Pajero and they did resolve the issue. That's life here in Qatar
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NevadaZielmeister
Caught the Bug
That's a collision claim and depending on your state, you would have a mark on your record for 3 years. Unless of course the tree was moving, then that changes everything.
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benatc1
Hooked
so just convince the insurance company that the tree was falling at the time and all is well!
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Honor2afault
Caught the Bug
USAA for everything since 1999. Exceptional customer service.
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BlkOpsCzr
Member
USAA for everything. Member since 1993 and will stay with them for life. Awesome customer service and coverage.
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scull20
New member
I have New Jersey Manufacturers...but it's only available in NJ and parts of PA, and can be difficult to get, depending on who you work for. Great customer service, low premiums and a dividend check every year.
My fiancé's father has worked for State Farm for 25+ years...from a company standpoint they seem to take care of him pretty well. While I cannot personally attest to their effectiveness or pricing for insurance, that's at least the first call I'd make if I branched out from NJM.
Perhaps there's another agent who you could contact?
My fiancé's father has worked for State Farm for 25+ years...from a company standpoint they seem to take care of him pretty well. While I cannot personally attest to their effectiveness or pricing for insurance, that's at least the first call I'd make if I branched out from NJM.
Perhaps there's another agent who you could contact?
Last edited:
So, for anyone who's interested, I've made a lot of calls and tried to see if anyone could help me out by bundling my home and auto insurance and.... I came up with higher rates. My State Farm home owners insurance has great coverage and at a low price but if I bundle it with auto, I get less coverage there and end up paying quite a bit more. My AAA auto insurance is really good and at a great price, especially being that I own 7 Jeeps but if I were to add my home and with the exact same coverage, I again end up paying quite a bit more. So, for now, I guess I'm just going to stick with what I've got. :crazyeyes:
Petzl88
New member
Jackal01
New member
We have Amica for home and auto. They have been great so far. All the mods and accessories are covered. I just need to provide receipts and photos and it is covered. With homeowners at the end of the year we get a dividend check that is a few hundred bucks. They operate similar to REI so it is owned by policyholders. We have yet to have an issue with them. Going on 4 years I believe.
Chubb for homeowners and the jeep.
Jeep Coverage is replacement value @$65k....this was sort of an issue to get dialed in with the agent.
Wife's x5 is still on USAA because it is way cheaper (50%) than Chubb for the same coverage.
I despise USAA customer service and claims department.
I'd prefer State Farm for all, but they won't cover our condo flood insurance.
I've found that sitting down with a real live agent/broker always gets the best coverage at the best rate.
Then review policy as issued to verify you got what they sold you.
Jeep Coverage is replacement value @$65k....this was sort of an issue to get dialed in with the agent.
Wife's x5 is still on USAA because it is way cheaper (50%) than Chubb for the same coverage.
I despise USAA customer service and claims department.
I'd prefer State Farm for all, but they won't cover our condo flood insurance.
I've found that sitting down with a real live agent/broker always gets the best coverage at the best rate.
Then review policy as issued to verify you got what they sold you.
mo0s3
New member
When I spoke with a Statefarm agent that works with a lot of my family members he informed me they would cover trail damage . To me that is almost worth me paying a extra 50 a month on my Jeep but I'm still a little sceptical lol
I was going to look into a stated value policy as well but I'd have to be sure it covers trail damage like a rollover for instance.
My current agent told me if I do suffer a rollover to just get it to the road and make a claim. This is disturbing they would basically tell me to commit insurance fraud lol
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NevadaZielmeister
Caught the Bug
Eddy, that would be the best for now. I can give you a little bit of insider information regarding insurance in Nevada. I am sad to say that ALL insurance premiums across the board for ALL insurance companies are going up. You can thank the friendly plaintiff's attorneys in Las Vegas. Each claimant that is represented by an attorney and each case that enters into litigation contains the claim for future medical treatment that many times claims surgery. Every claimant. It is amazing.
Amica is what is called a mutual insurance company, which is the same with StateFarm. It is pretty simply, the policy holders pretty much own the company.
All first party Collision coverage will take care of "trail damage". I have never seen an exclusion or endorsement that would exclude collision damages that did not take place on the roadway. Please note that each state is different, but for any insurance company to get approval for such an exclusion, they have to get the okay from that state's Department of Insurance.
One thing to remember is that insurance premiums for Jeep Wranglers is pretty low. This is pretty much from an actuarial standpoint as the incident rate is very low (not a lot of Wranglers speed) and the occupants are afforded more protection than most vehicles. Unfortunately, the older the Jeep model, the more expensive the insurance becomes. This is because the highest amount paid out on these policies is in bodily injury, and any safety device that the Jeep contains, reduces the costs for bodily injury claims. My 2016 Wrangler had a lower rate than my 2011 VW Tiguan and a much lower rate than my 2004 Jeep Grand Cherokee.
mo0s3
New member
Geico does stand for Government Employee Insurance CO
They do have really low rates, almost $70 less then Statefarm but that said, with Statefarm they just need pics of mods with no receipts and they do cover trail damage as long as your not racing the vehicle off-road.
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jkwebbie
New member
I was talking about USAA where civilians can't get it. Not GEICO
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OverlanderJK
Resident Smartass
$50 a month EXTRA?! Jesus! That's almost what I pay monthly for full coverage on my jeep.
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