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Who are you using to insure your CJs?

designerRob said:
When I enquired about coverage they were all in. They were happy to take my money. But I knew to ask about some mild off-road trail riding. When I mentioned that the conversation was over immediately. American Collectors wouldn't cover me period.

Like you said BW, they don't bring it up. I'm sure it's in the fine print that is seldom read. But if you were to need real coverage at some point they could possibly come back on you if it was offroaded. I think especially if you have an online presence with your Jeep maybe they could find that out. 🤔
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B-I-N-G-O
 
designerRob said:
The problem with that is that in a full total out situation you probably won't receive the true value, especially if your Scrambler is really nice.
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This is true, but something is better than nothing when they refuse coverage.
 
Back to the drawing board for me. American Collectors said they wouldn't insure my Jeep unless "I took it to car shows." They checked the VIN and knew it has been driven less than 500 miles per year for the past 5 years. They asked what we do with it and I said we drive it around town during the summer, go to the beach or ball game, etc. They said no - they cater to "collector cars" that are worth at least 10k. I never even discussed the value of the Jeep but would have said 10k if they asked.

I looked into Farm Bureau a few weeks ago but you need to be a member. Costs a $150/year I think so maybe I'll see what they can do if I become a member.
 
Insurance is expensive around here. My B-I-L is self employed and changed all his insurances policies, business, house and 3 or 4 personal vehicles and said he went with Farm Bureau and saved thousands of dollars a year. He was around 20K a year at that point.
 
Challenge with non-stated amount policies is that you don't know the value they will come up with at the time of the loss. Most will use CCC or Mitchell market surveys to determine the value of your vehicle- looking for market comparable vehicles to determine the value. Most normal non stated amount, non agreed value, non collector policies, and non-specialty policies have a cap in place for additional equipment (this is any equipment that differs from how it was manufactured). If your vehicle is stock, this is not an issue. If you vehicle has a lift, tires, stereo, drive-train modifications, etc. you are likely to be disappoint in the value your policy will cover. When I look at my policy, it has a max of $2500 in additional equipment- that is not likely to cover the lift, wheels, tires and winch. Your automobile policy is a contract, it clearly states what is and is not covered. I would encourage you to read it and understand it (have your agent walk you through it)- if you wait for a loss or think you can convince them at the time of a loss to cover something that is not or is limited in coverage in the policy you will be disappointed.

One top 3 insurer previously offered a stated value policies but if you read the wording in the contract that was the most they would pay out, not necessarily what they would pay out in the event of a loss. No idea if they still offer this product.

Wish it was easier- the products offered by most insurers are for the mass produced vehicles that are very consistent in options/conditions.
 
I was able to get a classic policy for the '81 through State Farm. However, I think the wife and I are going to shop around, they seem to be the most expensive in Nevada. They just asked if it would be garage kept, and I said "yes" but that was before I figured out that it wouldn't even fit in the garage. It is kept safely tucked behind the house, away from prying eyes. We went with the classic policy to cover the real value of the Jeep, not just what we paid for it. Full steel body, solid frame, solid running engine, etc etc, its worth far more than what a traditional policy would pay out.
 
As of right now mine is being used insurance wise to write out 17 yo daughter onto our policy. It’s a whopping $750/yr and she’s able to operate any vehicle that we own. That’s a loophole or something like that they use in this case to get a new driver on a family policy in the most economical way.
 
You guys got it made with those prices. My CJ7 is over $800 for 6 months for liability and uninsured motorists only. That last part is the real problem. It’s so expensive people are driving without it. My wife just added a 2023 Hyundai at over $1000 for 6 months. That one is full coverage. Several years back I figured out I had bought my Jeep 5 times over 40 years .
 
I read this whole thread, simply because I'm in the same boat now... My Crawler 8 has well more money in it than the one I just got but its an Off Road machine period... But this one, man if some one wiped me out or vise versa I'd be beside my self, to say the least. It really doesn't seem like there is a solution here at all.
 
1BADCJ8 said:
I read this whole thread, simply because I'm in the same boat now... My Crawler 8 has well more money in it than the one I just got but its an Off Road machine period... But this one, man if some one wiped me out or vise versa I'd be beside my self, to say the least. It really doesn't seem like there is a solution here at all.
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Exactly. Mine is pretty much a walk away.
 
Crazy... they quoted me $199 mo. 2200 and change yearly if you pay it up front...
 
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