insuring the beast

[Slayer]

So, anyone know a good company to insure my K5 beast? As I sink more money into it (or plan to), I wonder what would happen if I somehow managed to drive off a cliff, and survive. What would I get back from the insurance co. Some people have suggested a pre-determined amount, but Allsate won't do that, go figure. Suggestions?!?

 

[DesertDueler]

Go with Statefarm. I had pretty good luck with them when I rolled my truck. I got what I had into it back. They took copys of all my receipts and added them to the figure. I am sure it helped that my Jimmy was fulled optioned (Sierra package) and was really clean.

86Jimmy 4"&35"MTRs,87 burb 4"&35"MT,69Firebird w/525 hp,and 70GTO live in PHX,AZ<a target="_blank" href=http://www.geocities.com/modifierperformance>My vehicles</a>

 

[newyorkin]

I'm using Allstate right now. If you get theft insurance on it, I think you would be covered (very odd how mine works, my agent set it up for me), but you have to get a photo inspection to determine the value initially, if you've modified it. Or you can provide a reciept for every mod you've done on it.... I'm paying $65 more a year for that coverage, definately worth it!!!


Ratch
<a target="_blank" href=http://k5.8m.com>k5.8m.com</a>
Welcome to America.

 

[lasvegas]

I have a suggestion - don't use Allstate. They are NOTORIOUS for denying legitimate claims and making lowball offers on claims. They have been by several State Attorney Generals as well as many, many private people in lawsuits for bad faith concerning their claims practices. And, to boot, they are not the cheapest. I know because I deal with them everyday (I am an attorney), I have sued them many times AND I spoke at a seminar in 1999 to the Nevada Trial Lawyers Association about them. The name of the seminar was "Dealing with the difficult insurance company - Allstate 1999". As a result of my speaking and the portion of the book I wrote, Allstate threatened to sue me. Get an insurance company that will take care of you. Use one with a local agent that you can develop a relationship with because he will be likely to get involved and try to help you if you are getting screwed (although even the agents have an incentive to deter claims through bonuses keyed to the number of claims made against policies they have written). You are really taking a chance if you use a direct writer, a company who sells through the mail or computer and has no local agents. You do not have to pay a local agent's commissions, perhaps 15% of a new policy premium and therefore you save money. But when you go to make a claim, you could experience problems with no one to turn to for help and if your claim is just for property damage, you are not going to find a lawyer to help you with the claim (without paying a cash retainer). Hook up with someone who cares more about your business and your referrals than thier bonus. State Farm is not as bad as Allstate. Farmers is not as bad as Allstate. But don't stop there - go with a really good company such as (just my opinion) Country Companies, Hartford, Metropolitan. By the way, Allstate owns CNA, Encompass and several other insurance companies so be sure to ask. This is just my experience and opinions. Also, those stated value policies (I think that is what they are called) where you negotiate the value of your truck BEFORE you insure it is the best way to go. That takes the risk out of it for you but then, you are probably going to pay more for the coverage.

 

[prjt_blzr]

I've been speaking with state farm (i"ve used them for 20 years and never had a hassle unlike allstate). I'm being told that if I have the reciepts or an appraisal for the value of the vehicle then they will insure it for that amount. The cost is less than an additional $100 a year depending on total value. This seems too good to be true but so far that is what two agents have told me. Hopefully I'll find out in the spring if I get this beast on the road.

 

[txbartman]

I have State Farm and carry full coverage on my rig. Add up all your mods that are above and beyond stock. They put it into the system. When it is above a certain amount, they will add an annual surcharge to the policy, but it is chump change compared to the value of all the mods. I have mine done this way and it works great. With gears and lockers, oversized tires, lift, lights, racks, etc. doesn't take much to have a lot invested.

Brian
Check out <a target="_blank" href=http://tx85gmcguy.alloffroad.com>My Jimmy</a> with all her projects!

 

[ftn96]

I've got Progressive and they have a good plan to cover for mods and I even talked to several of the claims adjusters adn investigators and they will covewr me if I destroy my rig out wheelin as long as it is not in a competion. The vehicle it self is covered up to the blue book value at 5000 and they give you and extra 1000 for mods. Then you can purchase an additional 4000 coverage. SO with all that, theft, liability, colision, the hole kitten kabootale. I think my monthly payments are $750 a year.

Surgeon General's Warning:
Viagra and steroids may be harmful to your spouse!

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[FRIZZLEFRY]

Iv always had State Farm and Iv never had a problem getting paid on a claim.I always get more than I expect with out having to haggle.Iv got full coverage my K5 and I think its worth the extra $$ should it get stolen.

A balanced diet is a beer in both hands.<a target="_blank" href=http://community.webshots.com/user/beaterwhang>community.webshots.com/user/beaterwhang</a>

 

[8_YOUR_H2]

state farm is notorious for good claim service in the insurance industry. but the rates can be higher sometimes..

 

[newyorkin]

Wow, I didn't know all that about allstate. I've been using them for almost 10 years, and never had a problem... They did jerk me when I had 7 or 8 tickets in a few short months (when I was 18/19), but I figure that would happen with any company... I had 4 wrecks, and they never hassled me a bit (every wreck was someone else's fault, though).
My agent is stellar, too. She has helped me make some, umm, good decisions to keep my rates low...

That Progressive deal sounds intrigueing, though...

Ratch
<a target="_blank" href=http://k5.8m.com>k5.8m.com</a>
Welcome to America.

 

[LKJR]

I've got progressive now that I got thru a local agent when I lived back in sherman. VERY unhappy with the service I got from her, but dealing with them on claims here hasn't been too bad other than it seems it took a little longer than it did when I made claims with state farm. I never had any problems with state farm, liked them, was thinking about going back but the rates are a little higher. Allstate, I was VERY UNHAPPY with my service and claims with them. Hell they even dropped my coverage without telling me for having 2 late payments in 6 months, and only late by a few days. Oh well they hold the money and power not us so.......

Like em big and topless
Excuse me...Would you mind removing your import from under my chevy?

 

[White Knight]

If you or your parents where military you're capable of getting insurance through USAA, great company, but they DO NOT jack around with people who get tickets all the time or have a problem knowing where their fenders are. I've had insurance through them for jezzzz 28 years now!.......damn I could retire on what I've paid out....now my whole day is ruint!!! lol anyway they're a premier insurance company, and to boot they send out dividend checks that actually add up, last years it was 215, year before 178, and when I had two teenage drivers it was close to 1000 one year. I would reccommend these folks to anyone who can get it.

White Knight