Insurance filings

No such thing as stated value. So I’ve been told. Changed that about 20 yrs ago. Replacement cost based on current market. In 09 I got an extra $4k payoff because I showed $23k inframe 6 mos prior. I had spent 30k+ Everything on the Truck was new. Payout was $21k. No need to over insure. Unless it’s a negligible amount. Better to save the premium, and rely on your own self insurance/savings to cover any gap or shortcomings. The real cost is downtime as we all know.

 

My 2 cents. Stick with Great West if possible. Towing coverage can make all the difference especially a catastrophic accident. That alone can make or break you. I’ve had a great experience with Northland. A couple minor incidents had no effect on premiums at all. Lenient payment terms. They’ll work with you if you’re late on a payment. I’ve asked different adjusters over the years. They all agree, Great West. Best payout amounts in the best timeline. I had planned on switching to Great West myself. I’m out of the game now. Good Luck.

 

Dont know, but only 116k on new in frame, Its always high when you go to buy, but cheap and noone wants yours.
Even in cars, if you sales v8, everyone wants a 4 cyl.
Sale a 4 or 6, everyone wants v8.
Just an old salesman trick

 

You have a good valid point if you need those extra services. I don’t t sweat it. Never been in that kind of predicament. I figured all those decades I’ve save on insurance without those extra services, if one incident should arise where I need to get a tow, I would still be ahead. I carry with me most of the necessity to get me back incase of a breakdown. Been in it long enough to now what to carry. @gekko1323, take this advice from @Rideandrepair, I’m sure it will give you peace of mind that your covered if these extra services should arise in your time of need.

 

Always been local, I don’t want to give “Sancho” an opportunity to drop in my bed if I’m gone overnight

 

You was lucky they moved out. These days once there’re in, they have more rights than the owner. Squatters……