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Old April 4th, 2012, 07:52 PM   #21
Ready4Wheelin
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Go with Progressive. They don't ask questions. I had a couple trucks under "Farm and Agriculture Use" for it's primary driving. That was the cheapest out of em all. And I drove em everyday around town. Sounds like Shenanigans if you ask me
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read the fine print, they don't actually cover lifted or modified vehicles if I remember right.
troof.

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I hope that's not true. My ZJ is insured through them. I specifically told the agent it was a recreational vehicle, saw only 2-3k miles a year, was lifted, etc. and she said no problem.
When I had Progressive not too long ago, it was clearly stated in the policy that they do not cover vehicles with modified suspensions.
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Old April 4th, 2012, 07:52 PM   #22
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Also, I don't care about collision, but liability is a factor to consider off road.

Anywho, verdict is

MY AGENT SUCKS
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Old April 4th, 2012, 07:58 PM   #23
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Fuk insurance

Make your passengers sign a waiver.
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Old April 4th, 2012, 08:40 PM   #24
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Fuck progressive.
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Old April 5th, 2012, 09:20 AM   #25
Fullsize4life
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When my buddy rolled his jeep on private property his insurance paid his lost wages till he could return to work.
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Old April 5th, 2012, 10:27 AM   #26
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I just sent my insurance agent an email, we'll see what she says. In a quick google search, there was a lot of guys with lifted full size trucks saying that Progressive covered them without any issues.
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Old April 5th, 2012, 10:35 AM   #27
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Some times if they find out your accident happened "offroad" they can deny your claim anyway can't they? Ive also heard if u take your vehicle out on ice (lake) your are uninsured in that instance.
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So, does anyone know for sure that once they get offroad if they have liability still on the vehicle. What it seems I am finding is that once we take our stuff off the "highway" and go offroad, it sounds like it's pretty much a free for all and no one has any coverage at all. How can that be? There has to be some sort of a policy available out there!!

ChAD5.0 - any idea what your policy is called? I think I might try to go that route.

And if it is the case that lifted and modified vehicles are not covered, how can I get the last 13 years of premiums back? Good luck with that eh?

And FYI, it seems progressive does have a policy that will insure a vehicle with a 4" or less lift. Probably the route I might have to go, but we'll see.
I have brought this up several times with my insurance people and always get the same answer. If you have an accident somewhere other than on the road it is still insured as long as it was legal to be there. Sand Dunes, two track, even driveing on the ice is covered.
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Old April 5th, 2012, 11:09 AM   #28
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When my buddy rolled his jeep on private property his insurance paid his lost wages till he could return to work.
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Old April 5th, 2012, 04:20 PM   #29
osweezea
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dmcjeep, what company carries your insurance?
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Old April 11th, 2012, 06:41 AM   #30
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The Hartford offers discount auto insurance rates to members of the AARP. They might insure your CJ5. Happy wheeling to you!

Last edited by neil.hank; April 17th, 2013 at 04:25 AM.
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