Offroader Insurance. HELLLLLLPPPPP!!!!
09-09-2004, 07:56 AM
#21
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Location: 100 miles offshore as much as possible, & Springfield Oregon USA
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Holy cow!
You might consider getting some quotes from other companies?
I know some cities are more expensive, but that's robbery. I only pay a hair over 600 for the F150 and a bit less for the FlamedToy. Per year, full coverage. Oh, and there's a discount on the car insurance because they carry my homeowners insurance, which essentially makes the HO ins free. (Wanna hear a deal, my 71 Cougar convertible has collector car insurance, full coverage agreed replacement value and it's $80 per year.) All that's with Farmers Insurance.
But then, I don't have the Winchells/Cop thing on my record....
You might consider getting some quotes from other companies?
I know some cities are more expensive, but that's robbery. I only pay a hair over 600 for the F150 and a bit less for the FlamedToy. Per year, full coverage. Oh, and there's a discount on the car insurance because they carry my homeowners insurance, which essentially makes the HO ins free. (Wanna hear a deal, my 71 Cougar convertible has collector car insurance, full coverage agreed replacement value and it's $80 per year.) All that's with Farmers Insurance.
But then, I don't have the Winchells/Cop thing on my record....
09-09-2004, 11:10 AM
#22
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your waisting you money on full coverage, what you want is Agreed amount. that why when you mess it up they pay. but for that will cost you, you might as well just go back to liability and pay for what your brake. not trying to sound like jerk but its the truith, all we do is sale insurance 
09-09-2004, 11:21 AM
#23
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hey i hear u i also have a few custom imports, i know whith my company american family they let put a viechle waiver that says i have 6k in mods and if my cars gets totaled they look up kbb value and tack 6k on it cost me about 3 dollers extra a month for that. just so u know most aftermarket wheels r not covered, sound systems and a ton of extra stuff is all extra, yea and get a real agent the lady that u got sounds like a winner. i been with the same guy for the longest time.
09-09-2004, 12:20 PM
#24
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Originally Posted by Kerr
your waisting you money on full coverage, what you want is Agreed amount. that why when you mess it up they pay. but for that will cost you, you might as well just go back to liability and pay for what your brake. not trying to sound like jerk but its the truith, all we do is sale insurance
09-09-2004, 12:42 PM
#25
Contributing Member
I keep full coverage on my 87 and a $50 deductible! Its actually listed as a wagon!!!!!
A couple of years ago I got cought in a hail storm and my piant job and soft top were ruined. $50 later and I have a new soft top and paint! I love my insurance company
A couple of years ago I got cought in a hail storm and my piant job and soft top were ruined. $50 later and I have a new soft top and paint! I love my insurance company
09-09-2004, 01:00 PM
#28
Hail storm
Originally Posted by seaflea
I keep full coverage on my 87 and a $50 deductible! Its actually listed as a wagon!!!!!
A couple of years ago I got cought in a hail storm and my piant job and soft top were ruined. $50 later and I have a new soft top and paint! I love my insurance company
A couple of years ago I got cought in a hail storm and my piant job and soft top were ruined. $50 later and I have a new soft top and paint! I love my insurance company
09-09-2004, 04:05 PM
#31
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Originally Posted by mike_d
here's my theory: insurance companies aren't out to lose money, in fact, they're out to make money. so that means, on average they need to take more money from you than they pay you. so i only ever get the amount of insurace i need to prevent a financial disaster if i lost something. that means, i have the base insurace required by law on my truck. BUT i have a separate savings accout that i put about $100 a month in. if anything happens to my truck that would be covered by better insurance, i pay for it out of that account. this way the evil corporations don't get my money.
I personally don't see how it's legal for insurance co's to charge the law abiding customers inflated premiums to cover losses caused by (other peoples) fraud. I also don't see how they can legally raise your rates for filing a claim. Isn't that part of the deal??? Correct me if I'm wrong but insurance is there to protect you from loss, that's what you're paying so much for :pat:
It would only be fair if they gave you some money back annually for not filing claims!
Last edited by SEAN_at_TLT; 09-09-2004 at 04:06 PM.
09-09-2004, 04:31 PM
#32
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Originally Posted by deathrunner
I really should check around. SOme of you guys aren't doing to bad. I'm hoping the daily driver will help all this out.
I'd deffinately shop around, I have 4 cars 3 of which have full coverage with 500 deductables, and one with liability only,
1997 Taco 4x4
1996 4Runner 4x4
2002 Honda Accord
1984 Toy Tercel wagon
Guess which one is liability only?, Anyway i am only paying ~75 a month for all 4 of my cars and i have one ticket on my record too...
BTW i have allstate, I also had 21st Century and they were pretty good too...
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