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Old 02-23-2012, 02:55 AM   #1
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off-road friendly insurance company?

I'm not necessarily looking for actual coverage off-road (though it would be a bonus), but at least a company that won't drop me if I do go off-road and continue covering me for on the road driving. I currently have Geico and after emailing them today, one person said I'm covered off-road via my CA good driver discount (what? a discount gives me off-road coverage? ok) and when I replied I got a response from another person that said they don't cover a vehicle that is used off-road.

Something like having a winch could indicate potential off-road use and get you dropped. So besides the confusion over who is correct (I emailed for a followup and have no reply yet), I'm wondering who I should be looking at for insurance assuming Geico does indeed not want to cover a vehicle that is going to be used off-road.

I've heard conflicting reports about Allstate and State Farm, and really am not sure who else to look at either. So I'm completely lost on what to do. Help?

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Old 02-23-2012, 05:31 AM   #2
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I have USAA and they're great. No questions asked. They cut me a break on my previous Jeep because it had a hardtop and full doors (it was securable). The full doors had numbers etched into the windows which they also believed to be a good thing, as well as the alarm I had on that Jeep. I don't know for a fact that civilians can get USAA coverage, but I think I remember hearing something a while back that you can.

As far as accessories go, take lots of pictures of your Jeep. In the event of theft or the vehicle being totalled, they'll pay you market value of your vehicle AND THE ACCESSORIES.

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Old 02-23-2012, 05:39 AM   #3
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I have a policy thru American Family it covers the actual cost of the vehicle not what book says it is worth. I had to take pictures like Cavey said. I gave them a dollar amount and it is done. Keep on mind this is a full coverage policy as well. Quite a bit more expensive than just the liability coverage I had when I bought it.
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Old 02-23-2012, 05:59 AM   #4
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I have state farm with a $500 deductible and comp and collision for $65 a month. Plus as an added bonus my insurance guy owns a nice yj that sees a lot of offroad time. Have yet to go wheel with him but have plans to this summer. He says as long as your insured (with more than liability) it doesn't matter if it's trail damage or street damage.
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Old 02-23-2012, 07:54 AM   #5
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X100 on USAA... been the best damn insurance company I have EVER had. I have had Allstate.....State Farm and at least 3 others..........AND..... if you have part time vehicles... (I have 8 vehicles total)...... you can put them in "secure storage" while you are not driving them and save BIG TIME.......
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Old 02-23-2012, 11:27 AM   #6
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No one really covers "Off-Road" use in a policy, too much of a liability and fee would be crazy.

I go thru Progressive and they cover my Jeep pretty well and they also cover my aftermarket items I've added onto the Jeep. I've sent them pics, estimates and prices for whats on my Jeep.

With my Jeep being built it would certainly suck if it were ever hit and only get stock replacement parts.
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Old 02-23-2012, 11:33 AM   #7
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Thanks guys, I'll check out USAA too (I'm eligible, former Navy). Yeah I'm not expecting to get covered off road, I just want to make sure they're not going to cancel the policy because I did go off road like Geico seems to be claiming they will do if you believe the 2nd email I got vs. the 1st where I supposedly am ok.
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Old 02-23-2012, 11:46 AM   #8
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So, I just got a reply to my last email to Geico.............

Quote:
I have confirmed with our underwriting department that in the state of California we would insure damages to your vehicle if you were in an accident while off-roading. The vehicle must be registered with the DMV as a private passenger vehicle to be eligible.
So it sounds like as the first person had told me, not only will I not get canceled but I'm actually covered if I'm off-road. Hmmm, well I guess I'll go with 2 out of the 3 responses and print out the email chain and keep it on file.
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Old 02-23-2012, 12:05 PM   #9
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I have insurance. Coverage up to $1,000,000 so they can't take the business. But they cover on and off road use. American family!!!
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Old 02-23-2012, 12:16 PM   #10
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Originally Posted by TBrownSTL View Post
I have insurance. Coverage up to $1,000,000 so they can't take the business. But they cover on and off road use. American family!!!
I think I saw someone else mention them. Just checked, they don't cover California. Oh well.
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Old 02-23-2012, 02:41 PM   #11
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Quote:
Originally Posted by flyinion View Post
So, I just got a reply to my last email to Geico.............



So it sounds like as the first person had told me, not only will I not get canceled but I'm actually covered if I'm off-road. Hmmm, well I guess I'll go with 2 out of the 3 responses and print out the email chain and keep it on file.
Might want to double check and made sure they will cover your modifications as well. If you have full coverage, you're covered unless you are specifically in a timed event. This is the same with USAA, Progressive, Allstate and others. Insurance company needs to have a list of your modifications though and those (depending on company) will raise your rates accordingly.

Basically, what I'm saying is... if you have a $3000 YJ with $12,000 worth of mods on it, don't think they'll cover it as it.
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Old 02-23-2012, 03:51 PM   #12
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Quote:
Originally Posted by JeepAddOns-Chris View Post
Might want to double check and made sure they will cover your modifications as well. If you have full coverage, you're covered unless you are specifically in a timed event. This is the same with USAA, Progressive, Allstate and others. Insurance company needs to have a list of your modifications though and those (depending on company) will raise your rates accordingly.

Basically, what I'm saying is... if you have a $3000 YJ with $12,000 worth of mods on it, don't think they'll cover it as it.
Yeah I'm not as worried about mods being covered, though I do plan to add them as I add them to the Jeep. I just want to make sure they won't drop coverage because I'm modding it or using it off-road.
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Old 02-23-2012, 04:40 PM   #13
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here in MO they really only asked if i was using it for work or as a delivery vehicle. But I am gonna call and double check on the mod's part of it. Strip mine down at its worth 3500.00 maybe, just the lift and tires adds 2000.00 (not realistically in the for sale market but in the have to buy it again market) plus the upgraded from stock stuff.

Jerry B might know, he's from Cali I think and wheels hard and had one stolen a while back, he's definitely seen how the insurance system works
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Old 02-23-2012, 05:51 PM   #14
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I'm with State Farm with comp and collision. I have asked multiple times if I am coverd off road, the answer has been, "yep" you can total it off road and it is covered.
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Old 02-23-2012, 08:07 PM   #15
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I have State Farm, and had an incident last year on a Jeep Jamboree...smacked a deer in procession to the trails at 35 mph. Called my Agent, no problem with full coverage. Sent an adjuster to write the claim and verify what my shop had written. This is all on my 1995 YJ. The adjuster told me that they will only use oem body parts where available...typical with State Farm, thank God...and anything that my shop needed to write into the work for an addendum, to go ahead and they would pay the claim...no questions asked.

I asked my agent, who is a friend in town, and he said that they would have paid any claim on or off the trails. Works for me, but I am in PA, not CA.
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Old 02-23-2012, 10:58 PM   #16
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Hmmm, starting to sound like State Farm might be the way to go. Sucks that it will nearly double my current rate though that I have with Geico. Part of that is I get a discount from Geico for my job type, so take that away and it's roughly a 50% increase. State Farm looks like it would run me about $122 a month, I pay $66 to Geico but it would be $82 without that one discount.

EDIT: However if I find out Allstate does the same as State Farm that wouldn't be so bad at around $95 a month. The other thing though is I declined extended warranty and went with Geico's mechanical breakdown insurance since it's much cheaper. Not sure what I'd replace that with. None of the other companies seem to offer something like that.
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Old 02-24-2012, 07:06 AM   #17
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Allstate doesn't cover modifications to the Jeep, I've checked with them in my area, cause that's who I have my house insurance thru and was trying to combine them to drop the rates.

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