Insurance question - Jeep Wrangler Forum
Jeep Wrangler Forum

Go Back   Jeep Wrangler Forum > TJ Jeep Wrangler Forum > TJ General Discussion Forum

Join Wrangler Forum Today


Reply
 
Thread Tools

Please support our sponsors and let them know you heard about them on WranglerForum.com
Old 07-14-2011, 08:51 AM   #1
Jeeper
 
ospreyguy's Avatar
 
Join Date: Apr 2011
Location: Centennial CO (so yeah it's Denver)
Posts: 446
Images: 1
Insurance question

So my jeep is free and clear but I am keep full coverage on it to the tune of about $90 a month. I am a safe driver with no tickets (I'm 30 - geeze I feel old). And one minor fender bump that I didn't even get fixed on my car.

Do you guys keep full coverage?

__________________
This post was sent by my computer, as my ESP is broken...

98' Sahara 4.0L
4" RC lift - 33" GY Dura Tracs - Custom bumpers

ospreyguy is offline   Quote
Old 07-14-2011, 08:57 AM   #2
Jeeper
 
Neil F.'s Avatar
 
Join Date: Nov 2007
Location: Marlton, NJ
Posts: 6,324
Images: 1
Figure out the value of your vehicle (including accessories if you have those covered also). How much is basic liability vs full coverage? Could you afford to fix or replace the vehicle id damage or a loss occurs?

__________________
2003 TJ, 33" BFG AT, 2" BL, 2" BDS spring lift, Truck Lite headlights, Homemade sunrider top.
Neil F. is offline   Quote
Old 07-14-2011, 09:24 AM   #3
Jeeper
 
jgorm's Avatar
 
Join Date: May 2010
Location: San Diego
Posts: 1,924
I have full coverage. When my last jeep was stolen, I got paid nicely for my mods. I even billed them for the time i worked on installing the mods at $50/hr.
__________________
my 06 LJ rubicon
2.5" SL, 1" BL, DIY highline, 35s with double beadlocks.
jgorm is offline   Quote
Old 07-14-2011, 09:42 AM   #4
Jeeper
 
monkeee2002's Avatar
 
Join Date: May 2010
Location: Western Idaho
Posts: 1,468
Quote:
Originally Posted by jgorm View Post
I have full coverage. When my last jeep was stolen, I got paid nicely for my mods. I even billed them for the time i worked on installing the mods at $50/hr.
NICE JOB!

I'm just running liability. In a low-crime area, and I haven't been in a fender bender in over 20 years.
__________________
" ... Nobody said it was a good plan. It's like somebody went through an actual strategy and replaced every instance of the word 'tactical' with 'balls out.' ... "

monkeee2002 is offline   Quote
Old 07-14-2011, 09:46 AM   #5
Jeeper
 
InfernoGirl's Avatar
 
Join Date: May 2009
Location: Newburgh IN
Posts: 11,419
Shop around a bit for ins.. Granted, I am old, and ins doesn't cost that much for me, but sheesh, that seems excessive for a Wrangler. My experience has been that collision isn't nearly as expensive as one might think when you break it down... Look at the options. Liability is generally higher than collision, and is required in every state that I know of, but I'm no ins expert.
__________________

Dirty Mudder column covers|

'01 Wrangler Sport, Sienna Pearl Mine
'07 Rubicon 2D, Flame Red His
'11 Wrangler Sport 4D, Black Ours...

Quote:
Originally Posted by Kate View Post
Not every girl, is a Jeep girl. We're a special breed.
InfernoGirl is offline   Quote
Old 07-14-2011, 10:11 AM   #6
Jeeper
 
jgorm's Avatar
 
Join Date: May 2010
Location: San Diego
Posts: 1,924
Quote:
Originally Posted by monkeee2002 View Post
NICE JOB!

I'm just running liability. In a low-crime area, and I haven't been in a fender bender in over 20 years.
thanks. I bought it for 10K, put ~4K in mods, drove it for 2 years and they paid me $16.5K.
__________________
my 06 LJ rubicon
2.5" SL, 1" BL, DIY highline, 35s with double beadlocks.
jgorm is offline   Quote
Old 07-14-2011, 10:46 AM   #7
Jeeper
 
Danz-TJ's Avatar
 
Join Date: Jun 2011
Location: Gulfport
Posts: 370
Images: 1
I've got a 2000 TJ and have it insured as if it were an 80,000 dollar car.... Replacement cost for all my hi-dollar goody add-ons.
Paid cash for it so it's been paid off.....
Danz-TJ is offline   Quote
Old 07-14-2011, 11:06 AM   #8
Jeeper
 
rda616's Avatar
 
Join Date: Apr 2011
Location: Allegan MI
Posts: 1,348
I live in a no fault state, pay 700.00 a year for full coverage . If I didn't I would only get $400.00 if anything happened to my jeep.
rda616 is offline   Quote
Old 07-14-2011, 11:22 AM   #9
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
Mine went up $80 I now pay $180 a month. No tickets recently. I did have a DWI 6 yrs ago, but it was not mentioned. I just bought this jeep and stuck with the same provider. Time to do some shopping and hopefully I can find something better.
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 11:25 AM   #10
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Bahahaha. $3500 a year. $200ish a month. Try that
Mikekaz1 is offline   Quote
Old 07-14-2011, 11:43 AM   #11
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
Quote:
Originally Posted by Mikekaz1
Bahahaha. $3500 a year. $200ish a month. Try that
Full coverage??
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 11:45 AM   #12
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
It does not help that CT is one of states with the highest insurance rates
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 11:55 AM   #13
Knows a couple things...

WF Supporting Member
 
Jerry Bransford's Avatar
 
Join Date: Nov 2005
Location: Escondido, Calif.
Posts: 35,240
Images: 2
Quote:
Originally Posted by InfernoGirl View Post
Granted, I am old...
I have socks and underwear that are older than you.
__________________
When you have a choice, buy American.

Jerry Bransford is online now   Quote
Old 07-14-2011, 12:09 PM   #14
Jeeper
 
Danz-TJ's Avatar
 
Join Date: Jun 2011
Location: Gulfport
Posts: 370
Images: 1
Quote:
Originally Posted by Mikekaz1
Bahahaha. $3500 a year. $200ish a month. Try that
OUCH!!!! Plus ridiculous prices at the pumps these days.....Dude! I feel for you
Danz-TJ is offline   Quote
Old 07-14-2011, 01:03 PM   #15
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by kjeeper10

Full coverage??
Yep full coverage. Except for rental (not old enough)
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:04 PM   #16
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by Danz-TJ

OUCH!!!! Plus ridiculous prices at the pumps these days.....Dude! I feel for you
Gas is about $3.60ish by me here in Springfield Ma. Not awful but boy do I miss those days of $1.70 and what not
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:15 PM   #17
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
Quote:
Originally Posted by Mikekaz1

Gas is about $3.60ish by me here in Springfield Ma. Not awful but boy do I miss those days of $1.70 and what not
Shiat. I remember driving to springfield
When I was 19 and paying .99. Days are long gone
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 01:16 PM   #18
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by kjeeper10

Shiat. I remember driving to springfield
When I was 19 and paying .99. Days are long gone
Yeah it's a sad thought. Where in ct are you?
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:20 PM   #19
Jeeper
 
Join Date: May 2011
Posts: 26
some of you are getting stroked on insurance. I pay 75 a month full coverage and have had my fair share of speeding tickets. I would always have full coverage though too many people driving around with no insurance
imalt is offline   Quote
Old 07-14-2011, 01:21 PM   #20
Hardcore Jeeper
 
Peepers's Avatar
 
Join Date: Oct 2010
Location: Windsor, CT
Posts: 3,320
Quote:
Originally Posted by kjeeper10 View Post
Mine went up $80 I now pay $180 a month. No tickets recently. I did have a DWI 6 yrs ago, but it was not mentioned. I just bought this jeep and stuck with the same provider. Time to do some shopping and hopefully I can find something better.
Thats what I pay for two vehicles with full coverage!

and did you get a JK? you seem to have a new profile pic...
__________________
What have we got?
We have one heavily armed Recreational Vehicle


ΣΧ
The Power Tech 6
Peepers is offline   Quote
Old 07-14-2011, 01:24 PM   #21
Jeeper
 
BTA88's Avatar
 
Join Date: Apr 2011
Location: New Holland, PA
Posts: 494
I'm running full coverage on my 99. If it gets totaled, I can't afford another one in cash, and with my multi car and multi policy discounts, I'm only paying like $150/month for full coverage on 2 cars plus renters ins. I'm 25, haven't had any tickets or accidents in 6 years.

My favorite part of insuring the jeep was when she asked if there was an anti theft device on my jeep. My response was simply "Um... I can unzip the windows from the outside..." She didn't find it as funny as I did.
BTA88 is offline   Quote
Old 07-14-2011, 01:25 PM   #22
Jeeper
 
InfernoGirl's Avatar
 
Join Date: May 2009
Location: Newburgh IN
Posts: 11,419
Quote:
Originally Posted by Jerry Bransford View Post
I have socks and underwear that are older than you.
LOL I doubt that! But thank you
__________________

Dirty Mudder column covers|

'01 Wrangler Sport, Sienna Pearl Mine
'07 Rubicon 2D, Flame Red His
'11 Wrangler Sport 4D, Black Ours...

Quote:
Originally Posted by Kate View Post
Not every girl, is a Jeep girl. We're a special breed.
InfernoGirl is offline   Quote
Old 07-14-2011, 01:26 PM   #23
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by BTA88
My favorite part of insuring the jeep was when she asked if there was an anti theft device on my jeep. My response was simply "Um... I can unzip the windows from the outside..." She didn't find it as funny as I did.
Hahahaha. That's a big negative. Hmm does transponder keys count as anti theft?
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:26 PM   #24
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
Quote:
Originally Posted by Peepers

Thats what I pay for two vehicles with full coverage!

and did you get a JK? you seem to have a new profile pic...
Yes, on Saturday. I was paying just shy of a $100 on my 01 w/o full coverage. Im not sure how rates are calculated. I do know you have to have full coverage when a vehicle is financed. Jeeps tend to be a little higher. I don't know If the value has
got anything to do with it also, I'm sure it does
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 01:27 PM   #25
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Oh and yeah. 19 yr old. One totaled vehicle already and living in a "high crime" area. Don't exactly benefit me too much
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:31 PM   #26
Jeeper
 
CapnRich22's Avatar
 
Join Date: May 2011
Location: Mesa Arizona
Posts: 280
i'm paying $68 a month full coverage on my 2009 JKU and i'm 33yrs old
__________________
Those Who Sacrifice Liberty For Security Deserve Neither
CapnRich22 is offline   Quote
Old 07-14-2011, 01:33 PM   #27
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by CapnRich22
i'm paying $68 a month full coverage on my 2009 JKU and i'm 33yrs old
Bless your soul. I wish I had those prices
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:33 PM   #28
pavement princess

WF Supporting Member
::WF Moderator::
 
kjeeper10's Avatar
 
Join Date: Feb 2011
Location: Connecticut
Posts: 41,463
Quote:
Originally Posted by CapnRich22
i'm paying $68 a month full coverage on my 2009 JKU and i'm 33yrs old
Where u live?
__________________
3.5' lift, 37x12.5x17 MTR. Rock Krawler custom length X-Factor arms,Teraflex,Synergy,Rancho 5000X shocks. Krawl Offroad
- General lift discussion thread. Have a question, need help, issues, selecting a kit, ask here
- My 2007 2 Door Build
Click HERE to become a WranglerForum Supporting Member!
kjeeper10 is online now   Quote
Old 07-14-2011, 01:35 PM   #29
Supporting jeeper!

WF Supporting Member
 
Mikekaz1's Avatar
 
Join Date: Nov 2010
Location: Springfield ma
Posts: 3,860
Quote:
Originally Posted by kjeeper10

Where u live?
Heaven
Mikekaz1 is offline   Quote
Old 07-14-2011, 01:56 PM   #30
Jeeper
 
CapnRich22's Avatar
 
Join Date: May 2011
Location: Mesa Arizona
Posts: 280
hahah chandler, az... i had a 2000 oldsmobile alero before this 2009 jeep.. and it was MORE a month.. i have been with state farm for 15yrs

__________________
Those Who Sacrifice Liberty For Security Deserve Neither
CapnRich22 is offline   Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Yet another 4LO Question... leadZERO JK General Discussion Forum 7 07-11-2011 04:11 PM
front axle question baal18769 TJ Tech Forum 12 01-31-2011 08:43 PM
Jeep wrangler & insurance shell JK General Discussion Forum 44 12-22-2010 11:57 PM



Download our Mobile App

» Featured Product

All times are GMT -5. The time now is 11:52 AM.


User Alert System provided by Advanced User Tagging v3.1.0 (Pro) - vBulletin Mods & Addons Copyright © 2015 DragonByte Technologies Ltd.

Jeep®, Wrangler, Liberty, Wagoneer, Cherokee, and Grand Cherokee are copyrighted and trademarked to Chrysler Motors LLC.
Wranglerforum.com is not in any way associated with the Chrysler Motors LLC