[upsmanchris]

USAA. Awesome service, extremely reasonable price.
All of my insurance is with USAA.

I have USAA as well never had any issues with them

 

[427ford]

Read your policy. It'll state what their responsibility is. As for good vs bad insurance companies, my experience is it's more how decent the adjuster is, than the company.

I'm with USAA for the house and vehicles since the early 80's. I've had a few claims along the way and USAA took care of things as expected. However, the last claim (F250 vs Deer) was not. The adjuster was an incompetent smart-ass, but the claim was eventually settled fairly.

I have Geico for the motorcycle. I had a Harley vs Deer experience. The adjuster was awesome.. very thorough and the claim was settled quickly and very fairly.

 

[rsmwrangler]

Nothing can come out right from anything that relates to Progressives, it's just in their nature to come up with excuses to advance their agenda, now you must install Junk in your vehicle.. Must be a new insurance thing.. lol

 

[Ed Pursell]

I got Nationwide and opted for OEM original parts including the windshield when I got my 2016 Willys last year. When I took my 2012 JKU off, and added my Willys, I asked, and was told it didn't have the original parts clause. But it cost me something like 15 bucks a year to have my policy upgraded to ALL original parts if something happens for I believe 10 years. Including my OEM Mopar windshield.

 

[Phynal]

USAA. Awesome service, extremely reasonable price.
All of my insurance is with USAA.

I have heard nothing but good things about USAA. Wish I could get insurance from them, but the only military in my family is my dad and he won't even acknowledge me as a stranger.

 

[tahoechase]

Damn, Ya'll got Wranglers in your junk yards?

 

[RubiconSS]

Tip(s):.
- Review ALL of your Coverages at least every renewal.
- Ask Questions. Get the answers in writing
- Deductibles get costs.
- Optional Coverages. Get costs. Know implications.
- If your Agent is Great-grandchildren keep him/her
IF Not - Fire them.
Rates come and go. Service doesn't.

 

[WhatWouldJasonDo_]

Public Service Announcement.... If the question was about "Junkyard" sheet metal like a Fender or Hood not only would I be Ok with it I would (and have) request it.

The parts on the shelf at dealerships are after market parts. They are made by other companies to the specs of the manufacture. 99.9% of the parts you find at a junkyard are original production parts made by the mfg that will be exactly the same as the one on your vehicle. The parts on the shelf at the dealership are referred to as service parts. Everybody complains about aftermarket parts not realizing the brand-new ones at the dealer are exactly that. It is very common for a brand-new part off the shelf at the dealer not to fit the same as the original one sometimes they fit better sometimes they fit worse but they don't always fit the same because they're made by someone else with a different piece of equipment to a specification they were given. They are normally better than other aftermarket parts because they were given the exact specification but they are not what most people think they are.

When it comes to mechanical parts I prefer brand-new from the dealer but a few of those are only available remanufactured even from the dealer.

Just FYI from someone who's actually been to the majority of the vehicle manufacturing plants and has personally toured aftermarket production facilities that have two stacks one for the dealership with their stamp on it and one for aftermarket without the manufacture logo.

 

[RubiconSS]

I'll add and then take a break from Insurance 101.

There is "Like kind and quality" - Which is After Market.

Then there is OEM. Which is OEM.

Hint: Hope you will have an insurance company dumb enough to give you LK@Q when You Paid for an OEM endorsement. You'll own their ass.

OK. Have fun guys and gals. Insurance is So much Fun!!

 

[WaltA]

Perhaps. Lot of assumption in the description. It could be off a 6 month old total loss Jeep from Arizona.
IF I had a 2 year old Jeep I would want (and get) a pretty nice replacement part. I wouldn't be w/o an OEM endorsement but that is a different story.

That's what they tell you.

In reality, the axle came off a 120 month old total loss Jeep that had over 200K miles, and was junked after some teen tried to jump over a school bus. Not my idea of a pretty nice replacement.

 

[softdown]

GEICO is a nice company. I use State Farm because I know the rep.

Isn't Soros involved with Progressive?

 

[Normandyson]

My 2cents.... I have worked in body shop industry for 43 yrs...I would never have Geico or Progressive Insurance. They have both... along with some others.. killed this industry with there price cutting of labor and materials. By the way.... materials like everything else, have gone out of site. They need to cut the stupid commercials and start paying to fix cars fairly. Hard to get a tech excited about doing a good job when hes pissed at a cheap estimate. Junk parts (sheet metal) show up sometimes full of old bodywork done poorly, paintwork needing stripped or sometimes rusty and dirty. Parts have to be sent back till acceptable parts can be used. This pushes back delivery times. They wont pay for cleaning dirty parts that take time to do. Ive seen times when a car has a pearl color paint that can be quite expensive, they will cap the materials at $350 $400 when its usually figured at $26 per paint hour. (at least in my area of the country). Like was mentioned before, sometimes its the adjuster trying to make his end of month numbers look good....but they are quick to say its my supervisor. My insurance company...State Farm all the way.

 

[Joshtb06]

I dont know the specs of your Jeep but the guys at </title> <meta name="robots" content="index, follow" /> <meta name="GOOGLEBOT" content="INDEX, FOLLOW" /> <link rel="canonical" href="http://www.amw4x4.com" /> <link type="text/css" href="//ajax.googleapis.com/ajax/libs/jqueryui/1.8.4/themes/base/jqu have some good prices on New OEM Rubicon D44 axles, probably fairly close to what your are going to pay for a junk yard axles. Give them a call you may be surprised at how good the price is. I am currently saving to buy a set.

 

[rednroll]

I got Nationwide and opted for OEM original parts including the windshield when I got my 2016 Willys last year. When I took my 2012 JKU off, and added my Willys, I asked, and was told it didn't have the original parts clause. But it cost me something like 15 bucks a year to have my policy upgraded to ALL original parts if something happens for I believe 10 years. Including my OEM Mopar windshield.

It's amazing that insurance companies are getting away with this sh*t. They suck you in with a low quote, for you to only find out later that the terms of the policy doesn't even cover replacements using equivalent OEM parts, because YOU didn't opt for the OEM part coverage. That's just bullsh*t all the way around of how insurance companies try to screw you and initially lure you in with a low cost quote and the only way to learn from those experiences is to get screwed by their system where these insurance companies are pros with their policies and knowing how they're screwing you or they're going to screw you going into it.

I can't tell you what a good insurance company is, but I can tell you that my experience with Allstate and Progressive have been awful. Both found ways to screw me in auto claims due to some small print in their policy after the agents selling me the policy, verbally communicated something totally different and point the blame at the customer because YOU didn't elect some additional coverage that you were never informed you needed.

Progressive "Name your price"? That just means, tell us what you want to pay and we'll add things to your policy to ensure nothing is covered by Progressive.

Oh....you had your vehicle broke into and the radio was stolen and the dash busted apart? Within your policy it says, that we are only obligated to provide you a plastic face plate cover, to fill the hole in the dash. You should have added the OEM radio and theft damage protection option to your policy.

 

[RubiconSS]

We live in a day and age where it is hard (maybe impossible) to find a "Profession" held in high regard (Police, Teachers, Priests, Lawyers, Politicians, Media, Actors....etc)

The misdeeds of a few have a tendency to get extrapolated and overlaid across the entire group.
Not ALL of any profession is either Good or Bad which is why I said - When/If You find a good one (fill in the blank) KEEP them.
I have an Accountant as an example that I have had for 20 years that I could find dating my cat and I'd have to turn a blind eye because he is that good at what I need him to be good at.

Nobody should stand for misrepresentation BUT there is a responsibility on the part of the consumer to Read, Ask questions and Understand Exactly what they are getting (in writing) and then be a good steward moving forward.

 

[pcardoza]

That's why going through a good insurance agency is better than buying insurance on the web. They take their knowledge and make sure you get the coverage you want.

 

[RubiconSS]

That's why going through a good insurance agency is better than buying insurance on the web. They take their knowledge and make sure you get the coverage you want.

Well said and good advice.

Tenure - Reputation - Professionalism (look for it)

 

[rednroll]

Nobody should stand for misrepresentation BUT there is a responsibility on the part of the consumer to Read, Ask questions and Understand Exactly what they are getting (in writing) and then be a good steward moving forward.

Agreed but there are a few problems with insurance companies in these regards.

You have the agents, they want you to sign a policy and when you ask the questions, they can be deceptive and if it's not written on the paperwork then you're the one responsible. Their job is to get you signed up, it's how they get paid.

The adjuster. They get paid by minimizing the insurance companies losses.

The claim agent. They get paid by further minimizing the insurance companies losses by using disclaimers within a 50 page written policy.

Nobody from the insurance company is on the customer's side. They work for the insurance company.

We're essentially at a point where the customer has to hire an attorney for themselves going into the signing of the insurance policy to be able to understand everything and to ensure all the questions are asked and to then verify where it is written in the policy, where the attorney would then have the ability to add verbiage to the policy. It would take weeks and a lot of money to do all this. Most people don't have or can't afford an attorney, and they don't have the necessary amount of time to take off from work to be able to focus on all these things. The insurance companies know this and use it to their advantage while having attorney's working for them, and they have all the time in the world because that is their full-time job.

 

[RubiconSS]

Not going to try and change your mind, as I mentioned we live in tough times and your opinions are not unusual - inaccurate but not unusual.

It would take copious amounts of typing to detail each item and why it isn't accurate but I am doubtful the effort would net any appreciable outcome.

Suffice it to say, as life progresses and we all find our needs dictate we must develop a stable of trusted advisers and experts - pick carefully.

All respectfully offered.

 

[Old Dogger]

We have Hartford for our vehicle insurance. Great Company and they use new original factory parts for their repairs. At least that has been my experience with them.