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Baja Forums -:- VW Volkswagen Bug, Baja, Bus, Sandrail and Thing -:- VW Volkswagen & Baja Bug General Discussion -:- full coverage or liability
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full coverage or liability
Bug, Baja, Thing and Buggies. Most every thing that will not fit any any other area. See list of other Forums for better topic placement...Volkswagen General Discussion
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danjones333
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Post Post subject: full coverage or liability
Posted: Wed Aug 20, 2008 05:02 AM
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what insurance should i get it is going to be like 205 for full coverage or liability is 100 or so.
2500/ year for full coverage
or
1200/ year for liability
and bugs arent that expensive so if i did get into a car accident. and i hope and pray that i dont. i could always save and get another or salvage parts from the recked one and get a project from daryll and fix it up and put my baja stuff on it if i did get into a accident

what do you guys think?
just what your opinions and thoughts.
thanks


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Post Post subject: Re: full coverage or liability
Posted: Wed Aug 20, 2008 05:05 AM
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Did you buy a baja yet?

I put state minimum requirements on my baja.


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danjones333
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Post Post subject: Re: full coverage or liability
Posted: Wed Aug 20, 2008 03:42 PM
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no not yet hoping to get one soon really soon actually


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Post Post subject: Re: full coverage or liability
Posted: Thu Aug 21, 2008 01:43 AM
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If full coverage is for book value, it is not worth having. If you can get a stated value or appraised value policy it is worth it.
For instance: paying 2500 for a yr insurance, the car gets stolen, blue book value is: 2500 per www.manheimgold.com/car_lo.html

So do you get value from that?

On a stated value policy you agree on a value and that is your coverage.

For instance, my Road Runner is insured for 35k.


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danjones333
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Post Post subject: Re: full coverage or liability
Posted: Thu Aug 21, 2008 06:21 AM
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i think that im just going to get state minium or liability or whatever it is
cause considering a baja is only worth like 2500 or so
it is not worth having full coverage and what not.
my moms boyfriend pays 50 a month for minium on a ponitac piece of shit cause it is only worth like 3000 and if it does get stolen or something it wouldnt be hard to get a new one i would just have to work a lot


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Post Post subject: Re: full coverage or liability
Posted: Thu Aug 21, 2008 05:11 PM
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The difference varies, but I always run full coverage with the max for uninsured motorist, a must in the Phoenix metro area with all the illegals, and the bozos.
On my last "fun" car, my '72 Nova...the difference between liability and full coverage was less than 15 a month. I know, I know...the financial "experts" always say carry the minimum if the car is old blah blah....doubt any of them wrench on their pride and joys.
Oh, and if you make payments on a new car and are "upside down"...ie; owe more than it is worth(most of us do)....get the GAP insurance. Covers what your pay off is vs. market value if it's totaled. Didn't have it on a car in 2001, got to wash it once, didn't even get to make the first payment and it was totaled no fault of mine. $3200 later it was paid off.....You can't get it from the other insurance company, and if the other poor schmuck doens't have any money anyway...it's your baby. Just a word from old dad...


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danjones333
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Post Post subject: Re: full coverage or liability
Posted: Fri Aug 22, 2008 12:26 AM
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yeah
well liability is like 75 with good grades or something like that and full coverage is like 150 with good grades so that is double.


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Post Post subject: Re: full coverage or liability
Posted: Fri Aug 22, 2008 01:20 AM
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I wanted to take the opportunity to mention some information about a state value policy. You need to make sure that your stated value policy really means if something happens to your vehicle you will get the full value. These are usually very special policy with lots of restrictions and requirements. A typical stated value policy is a tool to maximize coverage for the premium. In my case the most coverage I would need is $5000. So I did that on a stated value, but in reality that does not guarantee I will get it. Only if the actual cash value of my vehicle is really worth $5000. For example I will list what my Stated Amount Coverage Endorsement says
Part IV Car Damage Coverages of this policy is changed to read as follows.
Limits of Liability
The first paragraph of this section is changed to read:
Our Limit of liability for loss shall not exceed the least of:
1. The actual cash value of the stolen or damaged property;
2. The amount necessary to repair or replace the property. The amount necessary to repair or replace the property does not include any difference in the market value of your insured car immediately prior to the loss and the market value of your insured after repairs from the loss are completed; or
3. The maximun amount shown below.
So what this means if my car is worth $3000 I will only get $3000, even though I have the maximum amount of $5000. This is a tool to lower the premuim. As you are only paying for the maximum of $5000 instead of whatever.

Just something most people don't know or understand.


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danjones333
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Post Post subject: Re: full coverage or liability
Posted: Fri Aug 22, 2008 06:11 AM
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sweet dude that helped alot
you only got the baja now
and sold the hondA


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Post Post subject: Re: full coverage or liability
Posted: Sat Sep 06, 2008 05:48 PM
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danjones333 wrote:
yeah
well liability is like 75 with good grades or something like that and full coverage is like 150 with good grades so that is double.

In 33 months you will break even with paying insurance 2500 bucks (75 more then liability)


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Preston
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Post Post subject: Re: full coverage or liability
Posted: Sun Sep 07, 2008 06:58 AM
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Sample wrote:
Did you buy a baja yet?

I put state minimum requirements on my baja.

same, but i think i'm paying too much, i go through State farm and i pay about $116/mo For MIN Coverage.


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danjones333
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Post Post subject: Re: full coverage or liability
Posted: Wed Sep 10, 2008 06:04 AM
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yeah i know if i do get a baja and i hope soon.
i think that i will just get liability.


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Post Post subject: Re: full coverage or liability
Posted: Wed Sep 10, 2008 12:49 PM
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danjones333 wrote:
yeah i know if i do get a baja and i hope soon.
i think that i will just get liability.



I still have that nice white one you drove, I will make you a killer deal on it. Cool


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