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Old 04-20-2007, 06:09 PM   #1 (permalink)
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full coverage or liability?

so here's the plan I wanna buy a used 3/4 ton truck as a back up vehicle/tow rig for long distance trips. I will try to DD the taco for the most part as it will be easier on gas. As most of you know my trucks in kinda rough condition. think I should switch the coverage on it to liability only to save some money?

I can't think of anything that could happen to it (short of totalling it or the frame getting damaged) that I couldn't fix to within my high standards for a few hundred bucks

any thoughts
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Old 04-21-2007, 07:49 AM   #2 (permalink)
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Old 04-21-2007, 12:05 PM   #3 (permalink)
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Obviously you dont owe anything on it right?
Liability
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Old 04-21-2008, 06:58 PM   #4 (permalink)
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Im thinking did you switch to Liability yet
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lol why would you want to? you already post to yourself
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Old 04-23-2008, 07:09 PM   #5 (permalink)
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I'm not sure what book value is on your taco, but you might consider full cov with a high deductible to get the rate down. On my 06 FJ full cov w/$5000 deductible is only like 25 or 30 bucks more a half than just liability. just something to consider.
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Old 04-23-2008, 07:22 PM   #6 (permalink)
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Im thinking did you switch to Liability yet
yep, shortly after I bought the Ford

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Originally Posted by simple4runner View Post
I'm not sure what book value is on your taco, but you might consider full cov with a high deductible to get the rate down. On my 06 FJ full cov w/$5000 deductible is only like 25 or 30 bucks more a half than just liability. just something to consider.
I'm gonna keep the taco on liability but I think next time I'm up for renewal I'm gonna look into raising my deductibles on the tow rig, right now I think I only have a $250 deductable
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