Southern California Jeep insurance

[RallyeX]

I have a 2005 Jeep Rubicon TJ and I have added 19,803 dollars in upgrades. So far I can't find a company that will insure it. They said no because all of my parts are more than what the actual Jeep is worth.

So far 21st said 6000 max
AAA said no
California Casualty said yes but won't give it to me in writing.

So how have you insured your modified Jeeps and got it in writing that they will cover it.

Thanks

RallyeX

[lakev2]

I have USAA, and have a "stated value" policy for theft only, run standard liability insurances.

I don't have collision or comprehensive. I drive my jeep on the highway like a grandpa, and if I am at fault for an accident then oh well, jeep is gone.

[RallyeX]

USAA is for military or family correct.

RallyeX

[curtis]

I did mine with farmers. Just had to have all the paper work to prove it. you insure it like a hot rod or collector car. ( stated value)

[MyBrokenJeep]

I did mine with farmers. Just had to have all the paper work to prove it. you insure it like a hot rod or collector car. ( stated value)

I have mine insured with USAA... "declared value" as a collector car. Like Curtis said, I just have to keep the documentation/invoices for the accessories and upgrades that I do... Granted I haven't spent the kind of money on my CJ that many of you spend on your Rubi's...

[lakev2]

USAA is for military or family correct.

RallyeX

yes it is and I think civilian contractors can use it to, not sure.

[MyBrokenJeep]

USAA is for military or family correct.

RallyeX

True statement... but you do not have to be first generation family... The military person could a grandparent...

Copied this from the USAA website...

The following information generally outlines which products and services are available to whom. However, we encourage you to join now to help us fully determine what products and services are available to you.

Active Military

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■Active-duty officers and enlisted personnel of the U.S. military. This also includes those serving in the Selected Reserve and federally recognized National Guard components of the U.S. Army, Air Force, Navy, Marine Corps and Coast Guard.
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Spouses of USAA Members

Spouses are insured as family members on their eligible spouses' auto or property policies.1

The following products are available to spouses of USAA Members:

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Insurance ■Life insurance
■Auto and property insurance available through eligible spouse1

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1 Eligible spouses are active military; former military; widows, widowers of former USAA members; and former spouses of USAA members, and individuals whose parents are/were USAA members.
Widows, Widowers and Former Spouses of USAA Members

Widows, widowers and former spouses of USAA members includes:

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Individuals Whose Parents Are/Were USAA Members

Individuals whose parents are or were USAA members may also be eligible for USAA membership.

Individuals must be 18 years or older to purchase products in their own name. Individuals under the age of 18 are insured as family members on their eligible parents2 auto or property insurance policies.

The following products are available to individuals whose parents have or had a USAA auto or property insurance policy:

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If your parents did not own a USAA auto or property insurance policy, certain USAA products are still available to you. See the Other Individuals section for more details.

2 Eligible parents are active military, former military, widows, widowers, former spouses, former USAA members, and individuals whose parents are or were USAA members.
Former USAA Members

Former members who established group membership with USAA by purchasing an auto or property insurance policy while in an eligible category may reactivate membership at any time despite current military status. Previous members must be in good standing and meet underwriting guidelines in order to re-establish membership.

The following products are available to former USAA members who previously purchased an auto or property insurance policy:

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[OU812]

I have USAA also and I have the "agreed value" coverage on both my 53 chevy pickup and my Jeep. I think most insurance companies have something like this.

[4xfiend]

I have State Farm and they'll cover anything I have receipts for.

[RallyeX]

ok

St Clair wanted 395 a month to insure the jeep for a value of 40,0000

Gieco said no on the parts

AAA said no to all the parts

State farm said they would in sure the Jeep with parts for far value. (a used jeep with similar parts)

21st 6000 max on parts

So when we called California Casualty - They will insure the jeep with all the aftermarket parts, our Corvette with all the after market parts, my step daughters Tacoma truck with tires and rims and our house insurnace , earthquake, fire and unlimited towing , rental car. $100 deductible. FOR THE YEAR WE ARE SAVING $2,860 compared to all the insurance that we had.

[Roger]

That doesn't seem like much of a savings. two dollars and eithty-six cents?

[RallyeX]

That doesn't seem like much of a savings. two dollars and eithty-six cents?

that was a typo

2,860

[OU812]

And you can rest assured that when an uninsured motorist makes you scratch your roof on the freeway you will be fully covered. Awesome.

[guardian7]

I have Progressive and they added a clause to cover all my after market upgrades. I also had to provide them with pictures of all the stuff.

[6spdYJ]

How would this affect those of us that do our own fab work and don't have $1,000,000 of receipts?