Protection for your jeep [Archive] - JKowners.com : Jeep Wrangler JK Forum

: Protection for your jeep


C-rog
03-12-2008, 12:45 PM
My insurance company told me that if I added everything I was thinking of adding they wouldn't insure my Jeep. Who insures jeeps with a lot in aftermarket add-ons. I didn't get security features on mine because the dealer told me anything going through the doors like power locks, windows and security would make it a pain to take the doors off. I added a Viper security system with the pager that pages me if someone breaks in and I'm within a .5mi of the jeep. I also added a tilt sensor for someone trying to move it. I'm just thinking I want more security/insurance if someone were to try to steal it. Does anyone have lojack or something similar, or know of an insurance company that will insure steal bumbers etc. if so what do you pay and what company?

I live in a suburb of Detroit if that explains more.

skibum
03-12-2008, 12:50 PM
Suburb of Detroit explains a lot (I'm originally from Michigan so I understand the reference). My insurance company (Allstate....which sucks, BTW) covers the mods to my vehicle. I don't remember the exact language in the policy but I am covered. Similar to contents coverage, they have no idea what you are going to carry around in your Jeep, so the policy cost reflects the off chance that you may be carrying a load of diamonds or something. If I can prove it was there (bumpers or diamonds), I'm covered. My policy costs me about $700 a year for full coverage.

C-rog
03-12-2008, 01:11 PM
Suburb of Detroit explains a lot (I'm originally from Michigan so I understand the reference). My insurance company (Allstate....which sucks, BTW) covers the mods to my vehicle. I don't remember the exact language in the policy but I am covered. Similar to contents coverage, they have no idea what you are going to carry around in your Jeep, so the policy cost reflects the off chance that you may be carrying a load of diamonds or something. If I can prove it was there (bumpers or diamonds), I'm covered. My policy costs me about $700 a year for full coverage.

That sounds pretty good what's wrong with that? I got my insurance through Costco and it's 800.00 a yr. on what they think is a 26k jeep

Where in Mi are you from originally?

Alec W
03-12-2008, 01:20 PM
I called my insurance and was told add-ons (notice I did not call them goodies :laughing:) and mods are covered like anything else that’s not part of the Jeep. If you can prove you had them when the Jeep was stolen or smashed then they are covered.

I pay about $800 per year in Metro Denver for full coverage.

skibum
03-12-2008, 01:31 PM
That sounds pretty good what's wrong with that? I got my insurance through Costco and it's 800.00 a yr. on what they think is a 26k jeep

Where in Mi are you from originally?

Frankenmuth...........the world headquarters for Christmas ornaments and chicken dinners. :D

Bigjerm
03-12-2008, 01:34 PM
i think it does depends on the company some. I know with State Farm anything on my car or Jeep is covered as a long as i have.. comprehensive coverage... I think thats what it is called. Either way, I would definitly call and talk to a few diffrent people at your company first before you do anything else.

As for your dealer... I am pretty sure it is still just one wire harness if you have power everything or just a door so taking the doors off would not have been harder except they may weigh a few more lbs.

C-rog
03-12-2008, 01:35 PM
Frankenmuth...........the world headquarters for Christmas ornaments and chicken dinners. :D

Oh ya, right near Freeway Fritz with the big Chicken! I'm originally from TC area so on road trips up north it's just not the same unless you stop at Freeway Fritz.

C-rog
03-12-2008, 01:38 PM
i think it does depends on the company some. I know with State Farm anything on my car or Jeep is covered as a long as i have.. comprehensive coverage... I think thats what it is called. Either way, I would definitly call and talk to a few diffrent people at your company first before you do anything else.

As for your dealer... I am pretty sure it is still just one wire harness if you have power everything or just a door so taking the doors off would not have been harder except they may weigh a few more lbs.


Ya, I found out later it was just one wire harness. :shaking: I'll check on the rest though.

skibum
03-12-2008, 02:01 PM
Oh ya, right near Freeway Fritz with the big Chicken! I'm originally from TC area so on road trips up north it's just not the same unless you stop at Freeway Fritz.

It's been a long time since I was home. Don't know Freeway Fritz. We always stopped at the Conlee Travel Center in Birch Run for beer, gas, crawlers and other important stuff. :D

gcg
03-12-2008, 08:07 PM
My insurance company told me that if I added everything I was thinking of adding they wouldn't insure my Jeep. Who insures jeeps with a lot in aftermarket add-ons. I didn't get security features on mine because the dealer told me anything going through the doors like power locks, windows and security would make it a pain to take the doors off. I added a Viper security system with the pager that pages me if someone breaks in and I'm within a .5mi of the jeep. I also added a tilt sensor for someone trying to move it. I'm just thinking I want more security/insurance if someone were to try to steal it. Does anyone have lojack or something similar, or know of an insurance company that will insure steal bumbers etc. if so what do you pay and what company?

I live in a suburb of Detroit if that explains more.
I ran into the same problem initially. But then I told them I was just adding a bunch of Goodies and they said that was OK, so you might want to try that.

C-rog
03-13-2008, 08:24 AM
I ran into the same problem initially. But then I told them I was just adding a bunch of Goodies and they said that was OK, so you might want to try that.


I tried that, that's why I informed you guys that is sounds like a Sally thing to say. I was in the insurance office and said, "right now you insure my Jeep but now I need you to insure my goodies." They said to get the hell out of their office before they call the cops!:laughing:

So needless to say, I was warning you guys! Ya know, looking out for your best interest. :grinpimp:

dougnpj
03-13-2008, 09:34 AM
UUUMMMM Goodies…….:homersimpson:

John L
03-13-2008, 10:40 AM
Geez you guys have cheap insurance. Mine is about 1300 a year full coverage. I'm over 40, NEVER had an accident and I can't even remember my last ticket, maybe back in the early 90's? Why the hell is mine so high? I've been with the same company for close to 20 years.
This is with Liberty Mutual, the old Prudential.

priell3
03-13-2008, 11:04 AM
Geez you guys have cheap insurance. Mine is about 1300 a year full coverage. I'm over 40, NEVER had an accident and I can't even remember my last ticket, maybe back in the early 90's? Why the hell is mine so high? I've been with the same company for close to 20 years.
This is with Liberty Mutual, the old Prudential.

Maybe time to call around to some other agencies.

I pay around 750 a year to State Farm on my JK which covers both my wife and myself. Also have homeowner's through them and get a discount for multiple policies.

2Tough_Nelson
03-13-2008, 11:26 AM
i have lojack which lowered the insurance a little...

C-rog
03-13-2008, 12:34 PM
Geez you guys have cheap insurance. Mine is about 1300 a year full coverage. I'm over 40, NEVER had an accident and I can't even remember my last ticket, maybe back in the early 90's? Why the hell is mine so high? I've been with the same company for close to 20 years.
This is with Liberty Mutual, the old Prudential.

It could be your zip code that's a huge factor. One hour from me in down town detroit it's 2500.00 per year with a good record.

gcg
03-13-2008, 02:54 PM
I tried that, that's why I informed you guys that is sounds like a Sally thing to say. I was in the insurance office and said, "right now you insure my Jeep but now I need you to insure my goodies." They said to get the hell out of their office before they call the cops!:laughing:

So needless to say, I was warning you guys! Ya know, looking out for your best interest. :grinpimp:
You may want to work on your verbal communication skills a bit.

C-rog
03-13-2008, 03:03 PM
You may want to work on your verbal communication skills a bit.

You mean the period instead of the question mark? Sorry for the poor communication skills. It was an oversight. :shaking: If it's something else please explain so I'm aware.

dsp
03-13-2008, 04:16 PM
That sounds pretty good what's wrong with that? I got my insurance through Costco and it's 800.00 a yr. on what they think is a 26k jeep

Where in Mi are you from originally?

I live in the Detriot area, we have costco insurance, I would think that it is covered as long as you have pics of it, or receipts. I am sure they would cover add on radios, they also cover contents.

gcg
03-13-2008, 04:45 PM
You mean the period instead of the question mark? Sorry for the poor communication skills. It was an oversight. :shaking: If it's something else please explain so I'm aware.
I said verbal, not written.

Bigjerm
03-13-2008, 04:54 PM
Geez you guys have cheap insurance. Mine is about 1300 a year full coverage. I'm over 40, NEVER had an accident and I can't even remember my last ticket, maybe back in the early 90's? Why the hell is mine so high? I've been with the same company for close to 20 years.
This is with Liberty Mutual, the old Prudential.

I pay $120 a Month! 21 years old (almost 22), life insurance through statefarm as well so i get a "discount" and i have had 2 cars totaled, neither one my fault and it was ruled that way but that was a few years ago

priell3
03-14-2008, 07:37 AM
Additional protection for my Jeep:
http://tinyurl.com/2dguj7

C-rog
03-14-2008, 08:10 AM
I live in the Detriot area, we have costco insurance, I would think that it is covered as long as you have pics of it, or receipts. I am sure they would cover add on radios, they also cover contents.

I don't know maybe radios but suspensions etc. I don't think. I know you have to disclose major changes because it effects the premium that's what made me start this thread because the insurance company made me feel like I was damned if I did damned if I didn't. Like I said in the starter she said if I made the changes they would cancel me. My changes are pretty major from full suspension, air lockers, AEV hood etc. I think my next purchase will be something along the lines of Lojack. especially if it gets me a discount.

C-rog
03-14-2008, 08:14 AM
i have lojack which lowered the insurance a little...

How does that work, I know there's something hidden in your jeep, I'm assuming you call a number into the police then if it's stolen the punch in that number to trigger something? Did you have a place install it? And how much did your insurance drop?

thanks

2Tough_Nelson
03-14-2008, 10:49 AM
How does that work, I know there's something hidden in your jeep, I'm assuming you call a number into the police then if it's stolen the punch in that number to trigger something? Did you have a place install it? And how much did your insurance drop?

thanks

well there are two different kinds, there is the early warning and then there is the satelite one. When u install it, the lojack can be hidden anywhere in the car so its hard to someone to steal your car and locate it right away. When your car turns on and moves a couple of feet, the lojack will check if you have a chip in the car. If the chip is not in the car, lojack will tell you either by phone or email telling you that someone has moved your car. This is the early warning lojack. The satellite one works the same i think, but all you need to do is give the lojack number to the police and they will locate it. The dealer actually put it in when i bought the car. But you can get it usually at the car performance places or audio. As for insurance, Im not sure, since i still put myself under my fathers insurance, but i know he saved like 100 or 200. Also lojack guarantees that if your car in not returned to you in 48 hours it will pay for your car or something like that. Not sure exactly but it does have a nice guarantee for your car.

C-rog
03-14-2008, 03:40 PM
well there are two different kinds, there is the early warning and then there is the satelite one. When u install it, the lojack can be hidden anywhere in the car so its hard to someone to steal your car and locate it right away. When your car turns on and moves a couple of feet, the lojack will check if you have a chip in the car. If the chip is not in the car, lojack will tell you either by phone or email telling you that someone has moved your car. This is the early warning lojack. The satellite one works the same i think, but all you need to do is give the lojack number to the police and they will locate it. The dealer actually put it in when i bought the car. But you can get it usually at the car performance places or audio. As for insurance, Im not sure, since i still put myself under my fathers insurance, but i know he saved like 100 or 200. Also lojack guarantees that if your car in not returned to you in 48 hours it will pay for your car or something like that. Not sure exactly but it does have a nice guarantee for your car.

That definately sounds like that way to go thanks.

AZ Bulldog
03-14-2008, 07:33 PM
Ok, anyone who thinks that their aftermarket add-ons are covered in their insurance policy think twice!!! My father in-law is my broker, after adding the things I have so far I called him to find out if I was properly covered. He informed me that I was covered for the stock Jeep and "they" (Progressive) would give me an extra $1000 for anything I've added, I told him that I've put in over $15,000 in extra stuff.

He told me to get to his office with my recipets, after I get there we added up all the stuff I've installed (just over $17,000. :bawling:) and he called Progressive, it almost doubled my premium! :pissed:

Well I had to do it, I've never had anything stolen but with Mexico only being 60 miles from here I'm not taking a chance.

So today I come across this thread, I read that Alec W said his insurane company told him he was covered for everything as long as he can prove it. So I call my father in-law to bust his balls and find out why I'm paying double! I told him what I read here and he told me that anyones agent that told them that they're covered like that is flat out lied to.

So please call your agents and explain the amout of money you need to be covered for and you'll find your premiums going up, a lot.

usmcdoc14
03-15-2008, 08:31 AM
Just got off the phone with USAA while changing my coverage on my Amigo.
If the items are permanently mounted to the vehicle and I have receipts/proof of value then it is covered under my insurance.
Its also in my coverage handbook..somewhere :laughing:

I also take LOTS of pictures of my stuff and keep a CD in my safe and at work. And luckily most of us take pictures of our "goodies" :thefinger: and put them online for others to see, this also is a nice form of documentation.

C-rog
03-15-2008, 08:58 AM
Just got off the phone with USAA while changing my coverage on my Amigo.
If the items are permanently mounted to the vehicle and I have receipts/proof of value then it is covered under my insurance.
Its also in my coverage handbook..somewhere :laughing:

I also take LOTS of pictures of my stuff and keep a CD in my safe and at work. And luckily most of us take pictures of our "goodies" :thefinger: and put them online for others to see, this also is a nice form of documentation.


But what's your premium vs your jeep being stock?

usmcdoc14
03-15-2008, 09:47 AM
But what's your premium vs your jeep being stock?

same, nothing changes.

I would have to dig up the actual paperwork but the jist of it is if it is permanently attached (bumper, winch, rims, lift, installed stereo) it is covered but not if it is a non-installed item (ipod, dash GPS system, stuff like that)

Downfall of USAA is you have to be active military or were or a child of a USAA member.
full coverage on my JK and my Amigo are 1k a year.

dayton1999
04-02-2008, 10:45 AM
same, nothing changes.

I would have to dig up the actual paperwork but the jist of it is if it is permanently attached (bumper, winch, rims, lift, installed stereo) it is covered but not if it is a non-installed item (ipod, dash GPS system, stuff like that)

Downfall of USAA is you have to be active military or were or a child of a USAA member.
full coverage on my JK and my Amigo are 1k a year.

My All State policy is the same. :bounce:

syrfire7
04-02-2008, 11:46 AM
My policy says anything permanently attached by "bolts, brackets, or other means". It does seem like the important thing is to be able to prove what the vehicle looked like before a crash / theft. I switched policies a few years ago, and since the vehicle wasn't new at that point, they were required to photograph it from all sides to document any preexisting conditions (or lack of). Save your receipts/driveway shots!

Dustoff '68
04-02-2008, 12:13 PM
[QUOTE=

Well I had to do it, I've never had anything stolen but with Mexico only being 60 miles from here I'm not taking a chance.

QUOTE]

I know the feeling...when in Maine, I worry about Canada just about 50 miles or so away...thankfully, USAA does not charge me a premium for customizing my Jeeps...it's hell living so close to a border.