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Try looking at haggerty insurance. Basically, you name a value, they give you quote based on what you think the value is. I've used them on older cars, in different stages of the build
As dumb as the title sounds, I'd like to get some recommendations from those that have either been in an accident in their Yota, or have delt with insurance before in relation to it.
Thats just my opinion, it may be worthless. Gnarls.
Hey Toybrota,It's not dumb! Surprisingly many people don't have a clue how their policy is set up, how much coverage they have, what deductible amount they may be responsible for out of pocket, etc.Don't automatically believe everything your agent tells you when it comes to "Oh yeah.. we have the lowest rated in town!", some are not real savvy, and only interested how much they can jack up your premiums.http://www.jdpower.com/ratings/study/U.S.-Auto-Claims-Satisfaction-Study/3170ENGhttps://www.consumersadvocate.org/car-insurance/a/best-car-insurance?&pd=true&keyword=auto%20insurance&gclid=EAIaIQobChMIqfadltrB2gIVl8hkCh3z_gRtEAAYBCAAEgIlGPD_BwEhttps://www.libertymutual.com/auto/car-insurance-coverage/utahhttps://www.valuepenguin.com/best-cheap-car-insurance-utahDo some research and get quotes from your selected short list. Make sure the company explains every detail of your coverage, like towing service or rental car reimbursement. Ask the question about coverage for damage caused while "off-highway". Don't say "I rock crawl the crap out of my truck." Some States are covered by companies that do business in that State or group of States, so there may be advantages for using that company.I would not go with Allstate or Nationwide.I’ve had Farmers, State Farm, and now American Family. I like American Family.Be sure to compare the quoted premiums apples to apples. The agents will sell you on a lower premium, but won’t always tell you the downside. Always consider getting zero $000.00 deductible on Comprehensive (glass damage, vandalism, theft, fire, object hits your truck like hail, trees, for glass damage. Most insurance companies will pay for chip repair. Utah is not one of the States that waives the deductible for glass damage that requires replacement.Contents in your truck that gets stolen, like a lap top is not covered under Auto policies… that’s covered under your Home Owners or Rental policy. Anything that is not attached as an installed piece in your truck is NOT covered for loss, damage, or theft under your Auto policy. There is typically a deductible amount on a home owners or rental policy.Always go with a reputable auto glass company to have a chip repaired or a piece of glass replaced.In 1994 my 1986 Longbed got totaled. State Farm offered me less than $3000. I said “No flipp’n WAY!!, and told them that I would NOT settle for that amount! I got every AutoTrader magazine in 3 or 4 counties in Southern California. Looked for every truck with my added options, which was substantial. I made copies and faxed them to my adjuster at State Farm’s claims office. After a bit of serious negotiation, they sent me a check for $8,600.Don’t settle too quickly when dealing with insurance companies…. Fight back with facts as long as you can.Of course your ultimate cost is going to be based on statistical data that they collect... your age, vehicle type, location, how many drivers will drive your truck, citations, or previous reported accidents. A super low premium most likely there is a trade-off. So when you need them to fight for your situation, they may not take good care of you.... or their customer service for a claim will suck.Some people only have liability or collision on their policy. To reduce the cost of premiums, they may waive the Comprehensive coverage, so if the vehicle gets stolen, catches fire and burns up, has serious hail or storm damage, gets vandalized, or a tree falls on it.. sorry dude... SOL!Unfortunately your age will be a huge factor in your premium cost...."The risk of motor vehicle crashes is higher among 16-19-year-olds than among any other age group. In fact, per mile driven, teen drivers ages 16 to 19 are nearly three times more likely than drivers aged 20 and older to be in a fatal crash.Oct 16, 2017"That’s just my opinion, it may be worthless. Gnarls.
You should consider modifying your signature to be the following:That'’s just my opinion, it may be worthless, but it is comprehensive.
I would stay far, far away from the General, they don't pay up. Friend of mine was rear ended by a woman insured from them, that was 7 months ago and still not settlement.
It’s clear they are not spending the money on commercials. I have always assumed that they were not much more than a scam.
Hey Toybrota,It's not dumb! Surprisingly many people don't have a clue how their policy is set up, how much coverage they have, what deductible amount they may be responsible for out of pocket, etc.Don't automatically believe everything your agent tells you when it comes to "Oh yeah.. we have the lowest rates in town!", some are not real savvy, and only interested how much they can jack up your premiums.http://www.jdpower.com/ratings/study/U.S.-Auto-Claims-Satisfaction-Study/3170ENGhttps://www.consumersadvocate.org/car-insurance/a/latestcasbest-car-insurance?&pd=true&keyword=auto%20insurance&gclid=EAIaIQobChMIqfadltrB2gIVl8hkCh3z_gRtEAAYBCAAEgIlGPD_BwEhttps://www.libertymutual.com/auto/car-insurance-coverage/utahhttps://www.valuepenguin.com/best-cheap-car-insurance-utahDo some research and get quotes from your selected short list. Make sure the company explains every detail of your coverage, like towing service or rental car reimbursement. Ask the question about coverage for damage caused while "off-highway". Don't say "I rock crawl the crap out of my truck." Some States are covered by companies that do business in that State or group of States, so there may be advantages for using that company.I would not go with Allstate or Nationwide.I’ve had Farmers, State Farm, and now American Family. I like American Family.Be sure to compare the quoted premiums apples to apples. The agents will sell you on a lower premium, but won’t always tell you the downside. Always consider getting zero $000.00 deductible on Comprehensive (glass damage, vandalism, theft, fire, object hits your truck like hail, trees, for glass damage) Most insurance companies will pay for chip repair. Utah is not one of the States that waives the deductible for glass damage that requires replacement.Contents in your truck that gets stolen, like a lap top is not covered under Auto policies… that’s covered under your Home Owners or Rental policy. Anything that is not attached as an installed piece in your truck is NOT covered for loss, damage, or theft under your Auto policy. There is typically a deductible amount on a home owners or rental policy.Always go with a reputable auto glass company to have a chip repaired or a piece of glass replaced.In 1994 my 1986 Longbed got totaled. State Farm offered me less than $3000. I said “No flipp’n WAY!!, and told them that I would NOT settle for that amount! I got every AutoTrader magazine in 3 or 4 counties in Southern California, and looked for every truck with my added options, which was substantial. I made copies and faxed them to my adjuster at State Farm’s claims office. After a bit of serious negotiation, they sent me a check for $8,600.Don’t settle too quickly when dealing with insurance companies…. Fight back with facts as long as you can.Of course your ultimate cost is going to be based on statistical data that they collect... your age, vehicle type, location, how many drivers will drive your truck, citations, or previous reported accidents. With a super low premium most likely there is a trade-off. So when you need them to fight for your situation, they may not take good care of you.... or their customer service for a claim will suck.Some people only have liability or collision on their policy. To reduce the cost of premiums, they may waive the Comprehensive coverage, so if the vehicle gets stolen, has serious hail or storm damage, gets vandalized, a tree falls on it, or you hit a deer and total it.. sorry dude... SOL!Unfortunately your age will be a huge factor in your premium cost...."The risk of motor vehicle crashes is higher among 16-19-year-olds than among any other age group. In fact, per mile driven, teen drivers ages 16 to 19 are nearly three times more likely than drivers aged 20 and older to be in a fatal crash.Oct 16, 2017"EDITED: That’s just my opinion, it may be worthless, but it is comprehensive. Gnarls.