Insurance

[Jeepstin392]

Hi everyone
I decided to start this thread for anyone looking for insight relative to is insurance coverage.

Here’s a first for me and worth sharing as I’ve not encountered this, ever, with any vehicle or mods.

I have State Farm
Good rates
No BS

I received an invite from Costco to get a quote through their Auto insurance.
It’s a third party company. Can’t recall the name…
With a 16 yo driver, my 392 Rubi and a 2018 Mini Cooper S, and a 25+ year history of no speeding tickets or accidents.

First: Costco rates were high. $2174/6 months as compared to State Farm at $1760/ 6 months.
Second? The company Costco partnered with limits tire size to no more than 3” over stock.
Then we got into semantics over what the stock size was as they listed the base model Jeep Wrangler and not the 392 Rubi.
I did 35’s. Stock is 33”
Nope! Not according to them.

Anyway, I’m staying with State Farm.
I’m sure we’ll have others who encounter some peculiar scenarios as often a new vehicle design deviating from the “norm” can be wonky.

 

[Idaho392]

I have been with Geico for 6+ years now. Nobody has been able to touch their rates, and I'm not sure why. No tickets or accidents, and it's just me and my wife. Even the last two companies that have insured my home couldn't come close.

My 2021 Jeep 392 Rubicon and her 2020 BMW X2 M35i costs us $777/6 months. Of course, we live in rural Idaho, so I know that makes a difference as well.

You can quote Geico 100% online... I haven't talked to anyone there for several years.

 

[gibby392]

I second Geico, they are really reasonable and honestly my insurance dropped 100 a year coming from a 2021 Honda Civic Type R. I think I pay about 1500/6 months for all of my cars combined

 

[Mikeylikesit]

I have been with Geico for 6+ years now. Nobody has been able to touch their rates, and I'm not sure why. No tickets or accidents, and it's just me and my wife. Even the last two companies that have insured my home couldn't come close.

My 2021 Jeep 392 Rubicon and her 2020 BMW X2 M35i costs us $777/6 months. Of course, we live in rural Idaho, so I know that makes a difference as well.

You can quote Geico 100% online... I haven't talked to anyone there for several years.

I live in Bucks County Pa a few miles from northeast Phila. I’m with State Farm no tickets or accidents. For my 2021 392 $550 for 6 months.

 

[CBH]

Lots of factors (vehicle value, vehicle location; owner’s driving history; estimated miles driven per year, level of coverage, etc.) make up insurance prices. That’s why it’s so difficult to compare prices unless these factors are constant when seekling quotes.

 

[Viking Jeeper]

I have a 2015 GMC Sierra 1500 SLT and a 2006 Jeep Wrangler Unlimited Rubicon (two door) and got a quote on my 392 that I have a VIN for. The 392 will be CHEAPER than my other two vehicles! Makes no sense at all!

 

[CBH]

I have a 2015 GMC Sierra 1500 SLT and a 2006 Jeep Wrangler Unlimited Rubicon (two door) and got a quote on my 392 that I have a VIN for. The 392 will be CHEAPER than my other two vehicles! Makes no sense at all!

Same thing happened to me; my daily driver is a 2021 MB GLE 450 ($80K). I was surprised the 392 was cheaper to insure...granted I told them I would only be driving it about 4,000 miles per year and 8,000 miles per year for the GLE. Go figure....

 

[Mikeylikesit]

Lots of factors (vehicle value, vehicle location; owner’s driving history; estimated miles driven per year, level of coverage, etc.) make up insurance prices. That’s why it’s so difficult to compare prices unless these factors are constant when seekling quotes.

Correctomundo!

 

[7.62x392]

Reviving this thread. Now that I’ve put nearly $15k in aftermarket equipment on my 392, and just ordered a new skid system, I am starting to think about insurance coverage to protect my ‘investment’ so to speak. In the event I should get into an accident, I want to ensure that all of my aftermarket equipment is covered. Has anyone added coverage onto aftermarket equipment on your Jeep? Is that even possible? If anyone has added additional coverage for your mods, about how much about is it running you and what is covered?

 

[Jeepstin392]

Reviving this thread. Now that I’ve put nearly $15k in aftermarket equipment on my 392, and just ordered a new skid system, I am starting to think about insurance coverage to protect my ‘investment’ so to speak. In the event I should get into an accident, I want to ensure that all of my aftermarket equipment is covered. Has anyone added coverage onto aftermarket equipment on your Jeep? Is that even possible? If anyone has added additional coverage for your mods, about how much about is it running you and what is covered?

I investigated this a few times with various vehicles I’ve modded.
Primarily a Land Rover Disco Series II and my JKUR.
I found, items suck as factory bumpers, and factory skids, wheels, were more expensive than aftermarket, and was costing more money for an additional policy.
After adding up various components, calculations, scenarios, etc., it was cheaper to “self insure” and add that yo any payout for OEM that to what standard coverage would provide.

Run the numbers and see.
I haven’t yet with the JLUR, only because I feel I would find the same result.

 

[7.62x392]

I investigated this a few times with various vehicles I’ve modded.
Primarily a Land Rover Disco Series II and my JKUR.
I found, items suck as factory bumpers, and factory skids, wheels, were more expensive than aftermarket, and was costing more money for an additional policy.
After adding up various components, calculations, scenarios, etc., it was cheaper to “self insure” and add that yo any payout for OEM that to what standard coverage would provide.

Run the numbers and see.
I haven’t yet with the JLUR, only because I feel I would find the same result.

Thanks for the info. I’ll call my auto insurance company Monday and see what they say too.

 

[Mallcrawler_392]

Think Geico just recently raised rates

 

[muzicman]

Reviving this thread. Now that I’ve put nearly $15k in aftermarket equipment on my 392, and just ordered a new skid system, I am starting to think about insurance coverage to protect my ‘investment’ so to speak. In the event I should get into an accident, I want to ensure that all of my aftermarket equipment is covered. Has anyone added coverage onto aftermarket equipment on your Jeep? Is that even possible? If anyone has added additional coverage for your mods, about how much about is it running you and what is covered?

My insurance agency (Country Companies) allowed me to add all of my addons (nearly $30k, including the AEV JL-370 goodies) on a schedule on my policy. Haven't got the final cost extra for it, but unless it is insane, I will insure it all, just in case. My 392 was about $500/6 mos less than my 2019 M850i.