I have American Family, covered up to $10k in mods, they cover $5k with policy, the additional $5k was like $11.00/mo
They are definitely great people who will take care of youSo I finally got around to contacting Phoenix Insurance that @Kevin8086 and Britney had described in their Youtube vid. As some of you might suspect, they aren't an insurance company but rather a broker. I worked with Jared Rains who was able to price insurance from SafeCo for me. The policy has no off road driving exemption so I'm covered if there is damage to my JLU when taking the trails. My mods are also covered up to a value of $5000. The cost of insurance was initially significantly higher but not horribly so. However, by paying 6mo coverage up front, I was able to get to cost down closer to about $6 over my current premium.
I also priced my home owners insurance and ended up saving money while more than doubling my coverage. One of the things that made me look into this insurance was the low replacement cost coverage from my current policy. Now I feel my ass is properly covered for my Jeeps and my home.
Jared did a great job of answering my questions. I was a licensed agent at one time so I'm at least a little informed on the subject. I also got a quote from USAA which didn't come close.
Of note, SafeCo has a driving habit app for my phone. I'm getting a 10% discount for using it for 90 days. My rate doesn't go up if I'm an unsafe driver but instead goes down if I'm a good diver over the next 90 days. Of course, I drive a Jeep. It's not exactly a fast vehicle to begin with.
So it's worth checking out if you're in state that they are licensed for. Thanks for the heads up Kevin..
^This.For what it’s worth, carriers have to file the policy with the insurance department of almost every state. Ask for a copy of a policy specimen prior to signing. If they say no, let them know your next call is to the department of insurance.