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  #16  
Old 01-07-2011, 06:53 PM
DiabloBlanco DiabloBlanco is offline
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Join Date: Nov 2010
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Default Re: Insurance

Im full coverage on every vehicle.
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  #17  
Old 01-07-2011, 07:31 PM
TerrenceStuart TerrenceStuart is offline
Old man driver.
 
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Default Re: Insurance

glad to see many having full coverage! My truck has full coverage with a $50 deduct and my monthly payment is a little over $50 ($611 per year)
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  #18  
Old 01-07-2011, 07:32 PM
busterdude2 busterdude2 is offline
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Join Date: Dec 2010
Posts: 105
Default Re: Insurance

I only have liability on my truck. Its a '95 with 248K miles. Its not worth paying the full coverage on it even if it were to be totaled.
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1995 Ford Ranger XLT 4.0L V6 Auto...Totaled at 256K Miles
1998 Ford Ranger XLT 4X4 4.0L V6 Auto 120K Miles
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Your manstinct must be broken dude.
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  #19  
Old 01-08-2011, 06:13 AM
schultzkenneth schultzkenneth is offline
Same Stuff, Different Day
 
Join Date: May 2010
Posts: 455
Default Re: Insurance

Ranger is paid off and I've got full coverage, road service, the whole package through state farm. $500 (?) deductible on it if the accident is my fault, but if i'm not at fault of if it's a deer, then it's a zero deductible. Michigan requires insurance, and PLPD don't cover deer, and the negligible difference between what ever covers deer and full coverage, so we just got full. And my dad pays for it right now (thank god), got the range, the van, and house all through them so the price ain't to bad.
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1997 Ford Ranger XLT, 2.3L I4, Auto, 2wd, Regular Cab, 91k miles. 7.5in 4.10 Open Rear Axle

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Experience is useless if it is wrong, and there's a lot of experienced morons.
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  #20  
Old 01-08-2011, 08:54 AM
Superlifted06FX4 Superlifted06FX4 is offline
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Default Re: Insurance

I have full coverage on my 06, liability on the Coug, and collectors on the FSB.
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torsion bar crank, 32x11.50R15's, DSG Alcoa's, S10 Blazer short OHC, black interior, Sonar projector headlights, taillight mod, Nightshades, hood/grille blackout, glasspack and resonator tip side exhaust, Xtang Blackmagic tonneau cover, THE original STX swap.
1986 Ford Bronco XLT
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  #21  
Old 01-08-2011, 09:03 AM
DisturbedESV DisturbedESV is offline
Original Grab-Her
 
Join Date: Sep 2009
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Default Re: Insurance

I have full coverage mostly cause my dad owns a business so he has to have it on all his vehicles... I love the peace of mind so I never lowered the coverage when I had the choice to... I also have no complaints about Safeco :-)
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  #22  
Old 01-08-2011, 10:52 AM
TerrenceStuart TerrenceStuart is offline
Old man driver.
 
Join Date: Nov 2009
Posts: 14,895
Default Re: Insurance

also, in MN, full coverage (at least thru state farm) means that my truck is stilll covered even while off roading and if it goes thru the ice in the winter time. (for years, the old adage was that your insurance was void if your vehicle was on a lake in the winter.)
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  #23  
Old 09-04-2011, 07:06 PM
OhioMike OhioMike is offline
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Join Date: Dec 2010
Posts: 2,761
Default Re: Insurance

Quote:
I'm pretty sure that's how it is everywhere?
In Ohio, we sign a form at registration saying that we have insurance or we have the financial ability to pay out-of-pocket in an accident. I'm not exactly sure what that means since we already know that insurance is required on a lease or a loan. I guess if I hit someone, I can elect not to go through insurance and pay out of pocket (thus providing financial responsibility), but many think that this means that they can legally drive w/o insurance at all. It is very confusing in writing. The DMV should check owners' insurance card for verification but they typically don't. The only way to get caught is to have a wreck, or they randomly send out a form requesting photocopy proof be sent in or automatic suspension. Either way, my wife and I have two car payments and are fully insured with a $500 deductible. I'm not happy since my rates recently went up again due to my own stupidity. I have been driving for 18 years with almost a clean record, and then two years ago I backed into a guy at work in Jan., got a ticket in Feb., and in May my wife backed into a guy at the drugstore. Both our vehicles were fine, and the other person's needed less than $2000 in work + rental. Our rates (plus renter's insurance) rose from about $1100/year to $1300/year. Just when things were looking good with no accidents or tickets for almost three years, I got a ticket in March for an illegal turn. Our current insurance is covered by AMICA (out of Providence, R.I.) and is set for renewal next month. Our quoted yearly rate (with all discounts) is now $1450/year, and I am not very happy with the situation. I offered to take a defensive driving course if it helped lower my rates, and they politely said, "No". I know that things could be much worse, but dollars matter in this economy. I know that I have to be more careful, but I do a lot of driving, and mishaps occur. I don't consider myself a high risk because the tickets were three years apart and not for speed. The rep. told me that underwriting takes all this into consideration, and the last ticket put me into the next category. Also, "the average driver has one ticket and one wreck on their record", so my wife and I have to be darn near perfect for a while in order to lower our rates. Just frustrating overall.
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  #24  
Old 09-04-2011, 07:10 PM
klinger86 klinger86 is offline
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Join Date: Jan 2011
Posts: 2,970
Default Re: Insurance

i have full coverage on my truck and thank gawd we had full coverage on the exploder so hopefully we can get her a new vehicle this week....
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  #25  
Old 09-04-2011, 07:16 PM
FFparker FFparker is offline
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Join Date: Jan 2011
Posts: 3,644
Default Re: Insurance

I don't have collateral lol. When your 19 its just to damn much...plus its payed off only cost 5,000. Ain't worried about it!
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