zackcj7 Posted February 21, 2013 Share Posted February 21, 2013 I just got a quote for $244 a year for liability only, or $360 for full coverage. Would you even bother with full coverage for an '86 model? Link to comment Share on other sites More sharing options...
54bobby Posted February 21, 2013 Share Posted February 21, 2013 no full coverage. the littilest accident and they will probably total her out. Link to comment Share on other sites More sharing options...
gogmorgo Posted February 21, 2013 Share Posted February 21, 2013 Annual insurance premium is $439. That's "basic all-purpose" because I had to for driving to school, with a $300 deductible (because I get completely free glass repair and wildlife with it) and an extended $2,000,000 third-party liability. Not sure the $17 deductible extension really matters since they'd likely just write it off, but the liability went up from 250k for only an extra $23/year, so I figured why not. I'm not really sure I have an option to not get full coverage... but I wouldn't bother making claims for small things because I'm near positive they'd cut me a check for $200 and write her off. If you had it insured as a classic, or vintage, or whatever you call it, it might be a different story. Link to comment Share on other sites More sharing options...
jpnjim Posted February 21, 2013 Share Posted February 21, 2013 I just went from $800 in Mass for basic, to $200 in NH for full coverage lol. As far as full coverage goes, it does help. Someone t-boned me years ago, I only had minimum coverage. My car was totaled, the other company wouldn't pay, and my insurance was ZERO help. It took 2 years, and a small claims court hearing to get the value of the car. If I had full coverage, my insurance would have paid me right away, and THEY would have went after the other company. Link to comment Share on other sites More sharing options...
Lee21490 Posted February 21, 2013 Share Posted February 21, 2013 $100 a month :/ Sucks being young :rotf: Link to comment Share on other sites More sharing options...
ParadiseMJ Posted February 21, 2013 Share Posted February 21, 2013 The premium for my MJ is $94 for 300K liability. One accident when I was 17. Haven't had a single ticket in 35 yrs. The key is not getting caught :thumbsup: ...and being "mature" :brows: Link to comment Share on other sites More sharing options...
Blue88Comanche Posted February 21, 2013 Share Posted February 21, 2013 When I first got my MJ I was paying $64 per month for basic. Now I am paying full coverage on my 05 WK and basic on the MJ at $114 per month. I just turned 22 and my monthly payments dropped :) Link to comment Share on other sites More sharing options...
xmeatbagx Posted February 22, 2013 Share Posted February 22, 2013 Mine should drop soon from turning 25. For now I pay $66 a month. I have glass and vandalism with it. (i've angered a few folks over the years) Link to comment Share on other sites More sharing options...
mvusse Posted February 22, 2013 Share Posted February 22, 2013 $95 for 6 months. Liability and 0 deductible comprehensive. Perfect credit rating and clean driving record help. Link to comment Share on other sites More sharing options...
sinkrun Posted February 22, 2013 Share Posted February 22, 2013 I think around 24.00 month liabilty? Only advantage to getting older. Link to comment Share on other sites More sharing options...
Goose Posted February 22, 2013 Share Posted February 22, 2013 $97.64 a month, full coverage in Oklahoma Link to comment Share on other sites More sharing options...
zackcj7 Posted February 22, 2013 Author Share Posted February 22, 2013 I went ahead and got the full coverage since it wasn't a big difference in price. NADA on the MJ is around $3000. Link to comment Share on other sites More sharing options...
AMCJeepMJ Posted February 22, 2013 Share Posted February 22, 2013 We are paying $108/month through Farmers for full/comprehensive coverage on our Escape, and liability/comprehensive on the Jeep. Both are mid-range coverage for collision and bodily injury. With that said, still please don't hit me and I will try to do the same for you. Especially if you drive an expensive car. Link to comment Share on other sites More sharing options...
hitman72 Posted February 22, 2013 Share Posted February 22, 2013 is there any insurance that would cover damages that happen when off roading. I am not just talking damage to your own truck say you slide into a tree, but if you hit someone else. Does insurance cover off highway accidents (i know this my differ from different companies). Link to comment Share on other sites More sharing options...
AMCJeepMJ Posted February 22, 2013 Share Posted February 22, 2013 is there any insurance that would cover damages that happen when off roading. I am not just talking damage to your own truck say you slide into a tree, but if you hit someone else. Does insurance cover off highway accidents (i know this my differ from different companies). Comprehensive. Just don't tell em you were off-roading like a crazy person. ;) Link to comment Share on other sites More sharing options...
hitman72 Posted February 22, 2013 Share Posted February 22, 2013 Comprehensive. Just don't tell em you were off-roading like a crazy person. ;) so if they ask just say you were in a parking lot? :thumbsup: Link to comment Share on other sites More sharing options...
JFAComanche6 Posted February 22, 2013 Share Posted February 22, 2013 $100 a month :/ Sucks being young :rotf: My dad refuses to even tell me what he pays for my MJ's insurance, I just have fo put fuel in my tank. Link to comment Share on other sites More sharing options...
JFAComanche6 Posted February 22, 2013 Share Posted February 22, 2013 Comprehensive. Just don't tell em you were off-roading like a crazy person. ;) How would the insurance company feel about a 4wd conversion? Link to comment Share on other sites More sharing options...
freakjeep93 Posted February 22, 2013 Share Posted February 22, 2013 i hate you all, i pay 230$ a month for basic insurance on my dd 01 taurus lol Link to comment Share on other sites More sharing options...
Goose Posted February 22, 2013 Share Posted February 22, 2013 is there any insurance that would cover damages that happen when off roading. I am not just talking damage to your own truck say you slide into a tree, but if you hit someone else. Does insurance cover off highway accidents (i know this my differ from different companies). A friend of mine just sank his jku in the river. Total loss. Insurance covered it under flood insurance. Link to comment Share on other sites More sharing options...
gogmorgo Posted February 22, 2013 Share Posted February 22, 2013 MPI only covers you for things that happen on public roads. If it's in a parking lot, both parties are equally at fault, no matter what happened, unless one of the vehicles was properly parked and unoccupied. And if the road's been closed for weather or anything like that, you're not covered. Link to comment Share on other sites More sharing options...
hitman72 Posted February 22, 2013 Share Posted February 22, 2013 MPI only covers you for things that happen on public roads. If it's in a parking lot, both parties are equally at fault, no matter what happened, unless one of the vehicles was properly parked and unoccupied. And if the road's been closed for weather or anything like that, you're not covered. well i have the unfortunate duty to tell you that an accident in a parking lot is not always equal. I recently was backing out of a spot at a my school and was hit by a car going down the lane. I was found at fault cause i was the one backing out. I am sure that it changes state to state but that is what my interaction was. Link to comment Share on other sites More sharing options...
maddzz1 Posted February 23, 2013 Share Posted February 23, 2013 My MJ has been off the road to long to remember :fs2: But I was paying more for the Mj than a 97 Blazer. Now I pay $160/month for an 08 passat with full coverage and a 96 grand am with liability Link to comment Share on other sites More sharing options...
Butchershop Posted February 23, 2013 Share Posted February 23, 2013 As you guys modify your trucks and add significant value, you need to keep your insurance agent informed. Keep a list with costs. Pics, too. Sure makes things easier when the texting teen t-bones ya. Link to comment Share on other sites More sharing options...
gogmorgo Posted February 24, 2013 Share Posted February 24, 2013 well i have the unfortunate duty to tell you that an accident in a parking lot is not always equal. I recently was backing out of a spot at a my school and was hit by a car going down the lane. I was found at fault cause i was the one backing out. I am sure that it changes state to state but that is what my interaction was. Yeah, state to province differences ;) Last summer, a co-worker's boyfriend was sitting in a parking lot at a mall waiting to pick her up, parked perfectly legally within a properly marked spot. She walks out the door, and sees someone come roaring into the lot and plows right into him hard enough to total both cars and push her boyfriend's car into the car in the next stall and do significant damage to it. Apparently that's equal fault because he was in the driver's seat. :dunno: Link to comment Share on other sites More sharing options...
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