trail rig insurance - TTORA Forum
Toyota Territory Off-Roaders AssociationToyota Territory Off-Roaders Asso
ciationToyota Territory Off-Roaders Association

Go Back   TTORA Forum > Regional Forums > Ohio > Off Topic
Register FAQ Members List Calendar Search Today's Posts Mark Forums Read

LinkBack Thread Tools
Display Modes
Old 01-31-2010, 08:01 AM   #1 (permalink)
Veteran Member
99TanTaco's Avatar
Join Date: Mar 2005
Location: Canal Fulton, Ohio
Posts: 3,646
trail rig insurance

just curious as to what you guys do

I went with full coverage on mine as it was not that much more than just liability but my issue is say that my truck were to be stolen or totaled the amount they would give me would be significantly less than what I have into my truck or could replace it for

I asked about a stated value policy and he seemed confused but then called me back with a example of my truck being valued at $5000 (personally I'd have it closer to 4) it would run me $420 per 6 month in addition to regular insurance obviously I'm not gonna go that route but curious to see what others do
99TanTaco is offline   Reply With Quote Quick reply to this message
Sponsored Links
Old 01-31-2010, 01:29 PM   #2 (permalink)
Senior Member
Join Date: Jan 2008
Location: Hartville
Posts: 274
Liability only.
simple4runner is offline   Reply With Quote Quick reply to this message
Old 01-31-2010, 01:45 PM   #3 (permalink)
Front Wheel Drive Mall Crawler
NEV2DEP's Avatar
Join Date: Jan 2005
Location: Cleveland,OH
Posts: 3,164
I had full coverage on the Taco + a $7K rider to cover some of the after market parts. We I was planning to plate and drive the new Toy I put liability on it. A few weeks ago I called my agent to inform him that plans changed and now it wasn't going to see street use. I wanted to put fire & theft only on it. They wouldn't do it so right now I got nothing.

85 Toyota Pickup Mall Crawler with some goodies
06 Dodge Ram 1500 YEAH It's got a Hemi!
08 Harley Davidson Nightster
00 Taco turned into man hole covers

Greatest Rock Garden Ever!
NEV2DEP is offline   Reply With Quote Quick reply to this message
Old 01-31-2010, 05:17 PM   #4 (permalink)
Mr. President
head's Avatar
Join Date: Feb 2006
Location: Ravenna, Ohio
Posts: 1,253
Send a message via AIM to head
I had liability on mine. I just went to cancel it for the winter and they told me they have a policy for people that don't drive their cars in the winter. It is basically only fire and theft. I went that route since it only adds $5 a month to my current policy. Come summer, I may go back to liability, not sure though.

You may want to look into the collector car insurances. Or switching insurance companies. I have liberty mutual and only pay $54.34 a month for full coverage on my duramax, liability on my wifes sunfire, and fire/theft on the trail rig.

1984 Pickup Extended Cab - Trail Rig
Locked F/R, 4.88's, 37's, Hi-steer, Twin stick, Dual cases, Flatbed

1986 4runner - e-locker, 4.56's, 31's
1986 Pickup Extended Cab - Work in progress
2004 Chevy 2500HD Duramax 4x4 - Tow Rig
2004 Tacoma Extended Cab SR5 TRD 4X4 - SOLD

Blue Ribbon Coalition #51205
PhotoBucket Page
head is offline   Reply With Quote Quick reply to this message
Old 01-31-2010, 07:20 PM   #5 (permalink)
captain insano's Avatar
Join Date: Jan 2009
Posts: 56
I have full coverage on my DD and when I added the zuk for liability it lowered my rates due to multicar discount.
captain insano is offline   Reply With Quote Quick reply to this message
Old 02-01-2010, 02:07 PM   #6 (permalink)
Senior Member
lifted98's Avatar
Join Date: Mar 2008
Location: Lima, OH
Posts: 204
Do you have a certain kind of insurance to cover anything that would happen on the trail? I have full coverage insurance on the 4Runner but have often wondered if I could add something to cover it when offroad too. Also, once I get a DD, I wanna change the insurance on the 4Runner. A guy at work has a Expedition with highrail gear on it and it only gets driven about 4,000 miles a year and most of it is on the railroad so he gets discounted insurance.
1998 Toyota 4Runner Limited
1A5 V6 3.4l 4x4 w/ RR DIFF LOCK

Exterior: TRD Tacoma wheels painted black, Spidertrax spacers, 20% Tint, Coleman Safari Rack, clear corner lenses, custom dents
Interior: Alpine CDA-9883, Polk MOMO 6.5", Infinity Reference 5.25", Memphis 16-STT150 2 channel amp, custom mud, Cobra ST WX II
Offroad: OME 3" lift (881/890), 1" diff. drop from Toytec, Tacoma whip antenna, extended rear diff breather, gray wire mod, 285/75/16 BFG KM2's
lifted98 is offline   Reply With Quote Quick reply to this message
Old 02-01-2010, 07:07 PM   #7 (permalink)
Veteran Member
99TanTaco's Avatar
Join Date: Mar 2005
Location: Canal Fulton, Ohio
Posts: 3,646
haven't ever done anything to cover trail damage, I learn to live with the dents
I'm gonna guess that type of coverage (if even available) would be pretty pricey

at this point my only insurance concern would be if my rig got stolen the check from the insurance co would not even be large enough to cover the cost of 4 tires let alone replacing the whole truck but given the odds of my truck getting stolen vs the cost of a stated value policy I'll take the risk
99TanTaco is offline   Reply With Quote Quick reply to this message

Quick Reply

Register Now

In order to be able to post messages on the TTORA Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Please enter a password for your user account. Note that passwords are case-sensitive.
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Please select your insurance company (Optional)


Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.

Thread Tools
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Looking for an in with insurance guy - TBob General Discussions 5 03-24-2009 06:19 PM
insurance 95tacoma_blue Early Tacoma Tech 15 12-20-2008 07:57 AM
F-ing insurance WhiskeyChainsaw Off Topic 8 11-17-2008 08:03 PM
insurance on trail rig? Spacecwboy Pickup/Early 4Runner Tech 6 07-24-2007 11:28 AM
Car insurance need help Manni Off Topic 2 12-14-2006 06:44 PM

» Premium Vendor Showcase
» Recent Discussions
Limited Slip...
07-10-2015 12:48 PM
Last post by JTSDIFFS
Yesterday 01:37 PM
11 Replies, 1,056 Views
Random Picture thread.
01-16-2006 02:20 AM
Last post by mountainguyed67
Yesterday 12:12 PM
7 Replies, 1,299,702 Views
Yesterday 10:30 AM
Last post by anothernord
Yesterday 10:30 AM
0 Replies, 42 Views
92' 4runner SR5
06-21-2017 10:37 AM
by r0b8i3
Last post by r0b8i3
Yesterday 01:37 AM
6 Replies, 100 Views
HELP Wired reverse...
06-20-2017 11:52 PM
by Wittler
Last post by Wittler
06-21-2017 03:34 PM
2 Replies, 94 Views
Old delphi members
04-04-2016 04:26 PM
by Crash
Last post by Dick Foster
06-21-2017 01:40 PM
53 Replies, 2,370 Views
3rd generation 4runner...
11-28-2012 09:52 PM
Last post by Navid
06-21-2017 01:02 PM
1 Replies, 2,664 Views
2017 Toyota Tundra: The...
06-21-2017 08:27 AM
Last post by
06-21-2017 08:27 AM
0 Replies, 60 Views
Rubicon July 6-9
04-04-2017 01:55 PM
by Brain
Last post by Mike
06-20-2017 08:46 PM
33 Replies, 1,465 Views
Confusing 2.7L leakdown...
06-16-2017 12:28 PM
Last post by Sparky of SoCal
06-19-2017 04:32 PM
5 Replies, 195 Views
» Buyer's Resource
Powered by vBadvanced CMPS v3.2.3

All times are GMT -6. The time now is 12:54 AM.

Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
User Alert System provided by Advanced User Tagging (Pro) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.