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:
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.
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.
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.
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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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.