Off Road Insurance

[orangecherokee]

I heard someone say something about this one time and was wondering if anyone had this kind of coverage? he said it was for off roaders and it was super cheap. i pay way too much on regular insurance on a truck i don't even drive on the road but every six months.

[427CometGuy]

Here in Montana, you can choose to run just "Comprehensive" coverage if you want, as long as there is no lien on the vehicle. You can choose zero or ?? deductable and prices are affected accordingly.
My insurance, Allstate, does not have "off road" insurance persay, but choosing the comp coverage allowes you to be covered for damage other than that caused by other motorists.
On my previous trail-only CJ I ran comp during the summer months when wheeling, and storage coverage for the winter months when it was in the shop. It worked out to about $20/month averaged.
Hope this helps!

Dave

[rockjeep44]

Thats cool, I'd like to know about this too. I'm not really even interested in the coverage, just having it to be legal. For instance if I want to drive my buggy to a local trail and don't want to load the trailer I'd like to be "technically" legal to hit the road. I know it'd be a moving violation but insurance and registration is all that really matters around here.
-Andrew

[AJ Johnson]

If you just want to be legal to go down the road, then just get liability insurance, which is basically the bare minimum insurance that your state requires. If you want your rig covered so that if you do a "whoops" they will repair it, then you need comprehensive insurance. If you have extensive, expensive mods to your rig, you may want to collect various recipts that you have for the work and take it to your insurance agent for proof of whatever it is that you have that is different.