I use USAA and they will not offer anything beyond liability for my 75. Who do you guys use for full coverage?
After my wife backed into my 75 this morning causing $2k in damage, I need coverage!
Thanks in advance
It seems like people are all over the map with the same companies on what they can get.
Case in point - I've always insured my vehicles through State Farm. Years ago I decided I wanted to insure the Bronco at an agreed upon value so that if something catastrophic happened, I wouldn't be stuck getting $1000 for it since that's what someone's blue book said it was worth.
My agent said I needed to get an appraisal from a licensed appraiser and we'd go from there. Fine. Well, I never got the appraisal and let the insurance issue drop until I started asking a few Bronco friends a year or two ago what they were doing with their trucks.
One of them said he just called up his agent (also State Farm) and said how much he wanted it insured for and that was the end of it. Sure seemed easy to me. So I called my agent up, talked to one of the office workers and they insisted I needed to get classic car insurance (the kind with the mileage limitations, no 4 wheeling, etc.).
I didn't like that answer so I inquired about the type of coverage my friend (in another state) had on his Bronco through State Farm. "Nope, we can't do anything like that" was basically the answer I got. So that pissed me off.
Decided to go to another State Farm office closer to my house and talked to them. Not wanting to tread on my agent's feet, they said they thought I could do what I wanted but felt I should go back and talk to my agent first to make sure I really couldn't......
That must've woken someone up at the home office because the next thing I knew the agent herself (not one of the office drones I had talked to before) called me and said, "Sure, no problem, how much of a value do you want to insure it for?" Didn't need the appraisal or anything. So now I have a policy (not the cheapest one in the world, of course) that says my Bronco is insured for $15,000. Perfect.
Todd Z.
