What am i doing wrong??????????

 

My insurance is 44 dollars a month, but that's for liability, collision and comprehensive.

They said modifications do not affect whether they will insure it or not but they will not reimburse me for the modifications, just the cost of the actual vehicle.

And im 19 years old too so its a decent deal.

 

96 jeep cherokee-171,xxxmi $100/mo full coverage
04 chrysler sebring convertible touring package 44,xxxmi $150/mo full coverage
05 chrysler PT cruizer convertible all power 52,xxxmi $110/mo full coverage-3 front end collisions
05 Mercury Mariner all options 4wd 62,xxxmi $160/mo full coverage
05 Ford f-250 diesel lariat edition fx4 package 65,xxxmi $165/mo full coverage
05 Wilderness Advantage 33' single slide out 5th wheel $362/mo insurance...

full coverage=$500,000 vehicle/$250,000 people-$500 deductible w/ accident forgiveness


all thru allstate.

 

Bingo. I've also got a clean driving record... er... on cars at least.

Oh, and my insurance dropped from like $40 a month when I bought a house. Apparently people who buy houses are less likely to wreck their car.

We won't discuss what they quoted me for my GSXR. It was something like twice the monthly loan payment. You have one accident and total a bike and all of a sudden your a liability.

 

i have liberty mutual i pay $100/month for liability and i just got a quote of $60 more for full they dont know it is lifted though i dont know if it would make a difference or not so why tell them

 

i have full coverage on all my rides. even the 20+ year old jeep.

 

I have a little bit more than full coverage. I pay $499 every 6 months. I'm a 21 year old male.

This is my coverage:

-BODILY INJURY LIABILTY: $100,000 EACH PERSON / $300,000 EACH ACCIDENT
-PROPERTY DAMAGE LIABILITY: $100,000 EACH ACCIDENT
-UNINSURED MOTORISTS BODILY INJURY LIABILITY: $100,000 EACH PERSON / $300,000 EACH ACCIDENT
-UNINSURED MOTORISTS PROPERTY DAMAGE LIABILITY: $MAXIMUM
-COMPREHENSIVE DEDUCTIBLE: $500
-COLLISION DEDUCTIBLE: $500
----------------------------------------------------------------------------------------------

I used to have this coverage, this is considered full-coverage:

-BODILY INJURY LIABILITY: $50,000 EACH PERSON / $100,000 EACH ACCIDENT
-PROPERTY DAMAGE LIABILITY: $50,000 EACH ACCIDENT
-UNINSURED MOTORISTS BODILY INJURY LIABILITY: $25,000 EACH PERSON / $50,000 EACH ACCIDENT
-UNINSURED MOTORISTS PROPERTY DAMAGE LIABILITY: $MAXIMUM
-COMPREHENSIVE DEDUCTIBLE: $500
-COLLISION DEDUCTIBLE: $500

This cost me $445 every 6 months. But I decided to get more coverage, it's only a $54 difference every 6 months and I get extra peace of mind.

 

I go through a A company(Broker) and he gets me the best rates. I have full coverage and after I got my rims and tires I asked him if he can cover them and he said ya but it will cost more. lol Im only paying 120 a month. But that will soon change if they total it out due to it will be a rebuilt title and I guess you cant carry Full coverage on a rebuilt title. But the Companys name is Mendota and my brokers company is ALL Around Insurance.

 

I am an agent here in Tennessee and I can tell you that your insurance will only cover stock parts unless you endorse the modified parts. If you want the lift, winch, push bar, etc covered you have to have it endorsed on your policy. At least this is the case for Tennessee and every state is different. Insurance rules and laws vary from state to state. Now there might be some carriers who will decline the vehicle if it is modified but I do not know of any off the top of my head. It is not very often that someone comes in and tells me they have a 4 inch lift with a ton of accessories. As far as rates go there are a lot of reasons that people have different rates and credit along with age and driving history are the main ingredients to a rate. The AllStates, State Farms, Farmers, etc can be more expensive rates. If you want the best rates without cutting coverage you need to visit a broker. Thats what I do and we are able to shop rates.

 

Ran into this problem when I used to have a 83 AMC Eagle running on 31" tires. When I switched over insurance companies here in Canada after a 4" lift, my insurance went from $1100 to $6400 a year! Needless to say, I got rid of the Eagle and bought my old CJ. They're all in it just for the money!

 

i pay 220 a month for full coverage on the liberty, full coverage plus 5k extra on the body kit on my bmw, and liability on my cherokee. we have farmers

 

Im only 17 and i have liability on my jeep and its 100 a month, and also have liability on my Hornet and its only 50 bucks? and im with state farm

 

ok i'm 20 99 4wd xj one small speeding ticket and my ins is 240! a month! full covrage with progressive

 

Its a business... what else would they be in it for? Plus they are taking on all of your risk. You got 100k of disposable income if you hit someone and cause serious damage?

 

WOW.. love the rates some of you guys are paying!! I've got 5 vehicals on my insurance and a teenage girl on the policy....$360 per MONTH! (Didn't help matters that she wrapped her Camaro around a tree 3 weeks into the new license.)