Found buggy insurance

jeeptj99 · Feb 23, 2021

I found a place to write insurance on buggies. My mom works for an insurance company and she can quote them. There are some requirements.

6,000 cc or 500 hp or less
No NOS or super charged
3 years no moving violations
Under $60,000
4 pictures (1 of each side)
Recent bill of sale (within a year) or a current market value statement. A mechanic or 4 wheel drive shop can write one of these.

She quoted it for @ridered3 as well. I don't have the quote but it covered theft, fire, and liability.

Connie Stallings
423-710-2328
[email protected]

jeeptj99 · Feb 23, 2021

I just realized when I copied and pasted her text she had put nos. She all vin diesel

TMac · Feb 23, 2021

I assume that means they'd also do stated value on a full bodied rig?

ridered3 · Feb 24, 2021

jeeptj99 said:
I just realized when I copied and pasted her text she had put nos. She all vin diesel

What?

ridered3 · Feb 24, 2021

As @jeeptj99 mentioned, I got a quote for stated value, full coverage on our juggy at $20,000. Based on talking with her, the coverage would include theft, fire, collision/comprehensive, and liability. These would all apply under any scenario as long as the vehicle was not being used in competition.

She sent me quotes for $250,000/$500,000 for bodily injury, and another quote for $100,000/$300,000 for bodily injury. Both quotes had a deductible of $500.00, and both quote included three additional options (Elite, Plus, Saver) for the insurance coverage. So in total, I got two quotes, but 6 options to chose from.

We opted to not add the insurance since the juggy will be sitting in the garage (and covered under Home Owners) quite a bit more with the new addition here in late April. However, I'll reach back out to her when we start going again for updated info.

Trailabite · Feb 24, 2021

TMac said:
I assume that means they'd also do stated value on a full bodied rig?

Check with AJ Gintoli, I believe he can offer coverage as well.

jeeptj99 · Feb 24, 2021

TMac said:
I assume that means they'd also do stated value on a full bodied rig?

I probably. Hit her up see what she says.

87TPIYJ · Feb 24, 2021

Sent an email to see if she can do stated value for a street legal rig.

TMac · Feb 24, 2021

Trailabite said:
Check with AJ Gintoli, I believe he can offer coverage as well.

I tried. He couldn't

87TPIYJ · Feb 25, 2021

I guess they only do buggies. Anyone know where I can get a stated value policy for my YJ. May not look like it, but it has a metric **** ton of stuff done to it. I'd like to cover my ass for theft, fire, or a Jack ass on the road. Tried haggerty, but because it does go off-road they said no.

ridered3 · Feb 25, 2021

87TPIYJ said:
I guess they only do buggies. Anyone know where I can get a stated value policy for my YJ. May not look like it, but it has a metric **** ton of stuff done to it. I'd like to cover my ass for theft, fire, or a Jack ass on the road. Tried haggerty, but because it does go off-road they said no.

Have you checked with your insurance agent to see if they offer a Stated Value policy for vehicles with a VIN or Serial Number?

Semi unrelated, I was able to do a Theft and Fire, Stated Value policy through Farm Bureau for my tractor, so it may be a possibility for your YJ too.

87TPIYJ · Feb 25, 2021

They said they don't do stated value (Progressive)

ridered3 · Feb 25, 2021

87TPIYJ said:
They said they don't do stated value (Progressive)

I figured you had checked with your insurance agent, but wanted to mention it anyway.

jeeptj99 · Feb 25, 2021

87TPIYJ said:
I guess they only do buggies. Anyone know where I can get a stated value policy for my YJ. May not look like it, but it has a metric **** ton of stuff done to it. I'd like to cover my ass for theft, fire, or a Jack ass on the road. Tried haggerty, but because it does go off-road they said no.

She didnt have options? I know there's certain states she can and can't write. I'm going to give her hell about it.

417chevy · Feb 25, 2021

Just a question wouldn't you want to do agreed value instead of stated?

87TPIYJ · Feb 25, 2021

417chevy said:
Just a question wouldn't you want to do agreed value instead of stated?

I meant what ever we agreed price we agreed upon. Maybe I used the wrong terminology. I meant a stated price.

The-Boss · Feb 25, 2021

Well I might not want to pay for a policy that costs as much as my buggy would be to replace. But could cover the bulk of it. Or they might not agree it is worth as much as you think it is to replace but your willing to pay the higher premium.
I like stated value for my shop and contents on my homeowners policy. I also have a CJ7 and a diesel truck that can't be replaced for triple NADA value so stated is best for those too if you can get it.