How are your rigs registered and insured?

[rammie]

For those that drive their rigs as a second vehicle, how do you have them registered and insured?

Im most interested in those that are part time vehicles, not daily drivers whats the cheapest way

 

[5-90]

Mine are DDs, but they're registered as "Station Wagons" - which drags down the cost of insurance considerably...

If I still lived in the Midwest, I'd register them as "trucks" - which pulls down insurance and gets that silly seatbelt law out of what's left of my hair...

 

[WB9YZU]

If I still lived in the Midwest, I'd register them as "trucks" - which pulls down insurance and gets that silly seatbelt law out of what's left of my hair...

That statement certainly does not apply to Wisconsin. Well, atleast not the Truck parts; not sure about your hair

The answer on both registration and insurance depends on where you live.
In the municipality where I live, autos or trucks left outside where must be licensed.
They do not have to be insured. Check with your Zoning official to find out what your ordinances are.

Covering insurance though, you will want to check with your Agent and see what the rules are about an uninsured vehicle which suffers a loss on your property, it may not be covered. Also, check to see what your coverage is while you are towing it. Sometimes it is covered by the tow, and sometimes not. This is most important as if the Jeep gets loose, you want to make sure any damage it causes is covered.

 

[5-90]

That statement certainly does not apply to Wisconsin. Well, atleast not the Truck parts; not sure about your hair

The answer on both registration and insurance depends on where you live.
In the municipality where I live, autos or trucks left outside where must be licensed.
They do not have to be insured. Check with your Zoning official to find out what your ordinances are.

Covering insurance though, you will want to check with your Agent and see what the rules are about an uninsured vehicle which suffers a loss on your property, it may not be covered. Also, check to see what your coverage is while you are towing it. Sometimes it is covered by the tow, and sometimes not. This is most important as if the Jeep gets loose, you want to make sure any damage it causes is covered.

True - I grew up in IN, and they still don't require seatbelts if you're in a vehicle wearing truck plates. I'll still wear them, but if I'm just moving vehicles about, or driving somewhere I could walk to if my knee wasn't acting up that day, I'd like it to be an option. "Click it or ticket" is, more than anything else, a way for states to bolster their coffers. It's an example of a "mandated choice."

Comprehensive is easy to maintain and costs little - I've got three rigs PNO covered under comp, and it probably costs me about $100 for all three for the year. They're not parked on a "public right-of-way" (read: street) so I don't need to maintain valid roadway tags for them - which also saves buck$ (especially out here...) PNO runs anywhere between $10-$20 a year for older vehicles out here, and tags start at $50 or so. Don't forget biennial smog (or whatever emissions control restrictions you have - depends on where you are) since that adds to the effective cost of registration.

Most jurisdictions require either valid tags for the year, or a valid "one-trip pass" for a vehicle that is even towed with wheels on the ground (flat tow or dolly.) Putting your rig on a flatbed trailer avoids this - since the vehicle isn't touching the ground. Also, insurance is typically required on vehicles that are flat towed or dolly towed - I'm not sure what level. Might be a question for your agent.

You may also want to check and see if registration is required for an "off-highway vehicle" that can go on the highway (like a trail rig,) since that could be another pitfall that you get socked with. It's amazing how many ways the government comes up with to part our money from us - without really giving anything in return anymore...

If you really want to know, tho, I highly suggest you check our your state Vehicle Code - online search strings for it would be "registration", "insurance/insured/liability", and possibly "off-highway".

 

[frankenstang57]

I'll have to say none of this discussion has anything to do with the original chapter based question. So I'll just un-hijack this thread and bring it back to the S-O-Co. I mean come on, I could register my Jeep in the state Michigan as a boat, that way I can drive it with a higher BAC and not get a DUI! I just put the Co. cheapo green tags on mine. Larimer county no longer tests for emmissions, so that saves $25 every couple of years. Since mine is paid off and most likely to be "totalled" again (ie, it has a salvage title) offroad (= SOL for coverage) I only run liability on it. It's like $15-20 a month through USAA. That being said, I'm tired of cooking my tires on road so I just dropped the ins. I'll just add it back on when I need it. Let your ins. person know you only drive it once in a while and they should give you a better price.

 

[WB9YZU]

I'll have to say none of this discussion has anything to do with the original chapter based question. So I'll just un-hijack this thread and bring it back to the S-O-Co. I mean come on, I could register my Jeep in the state Michigan as a boat, that way I can drive it with a higher BAC and not get a DUI! I just put the Co. cheapo green tags on mine. Larimer county no longer tests for emmissions, so that saves $25 every couple of years. Since mine is paid off and most likely to be "totalled" again (ie, it has a salvage title) offroad (= SOL for coverage) I only run liability on it. It's like $15-20 a month through USAA. That being said, I'm tired of cooking my tires on road so I just dropped the ins. I'll just add it back on when I need it. Let your ins. person know you only drive it once in a while and they should give you a better price.

Dang...
Jon, it appears that as actual Members of , we are not allowed to respond to posts here, even if we do make valid points.
:badpc:

 

[frankenstang57]

Yeah, but what's the point of discussing how you register a vehicle 1200 miles away in another state relevant to the question? Inputs are cool, but the ones here are useless. I mean my Jeep would be illegal in Pa. 'cause the tires stick out. Bumper laws? Nofault vs fault? I don't want to be a jerk, but if this was posted in a national thread then it would be cool. It's not about what hoops you have to jump through in your state, but Colorado. See my point? Oh, I guess since I haven't officially sent off my cash to be a "memeber" yet means my opinion is moot? Why aren't you guy's lurking your regional forums?

 

[Hypoid]

I don't have a "part time" vehicle right now, so I am sort of unqualified.

Last I heard we have compulsory insurance in Colorado. The state maintains a database linked to the vehicle's registration. When I parked my pick-up, and even more recently blew up a car out of state, I got a "send proof" letter with a time limit before the plates were suspended. Last letter was a year ago in January.

So, if you want to drive it on the street you gotta have plates. If you want plates you gotta have insurance. The state does not tell you who to buy insurance from...shop till you drop.

 

[frankenstang57]

How about useful vs worthless.
Polls are designed to be self sustaining. You set up the question and a specific set of answers and you walk away for a while and collect data.

Remember this? Kinda just like a poll. You just made my point...

 

[dbswede]

its only like 30$/ yr to be red...its not like belonging to public radio....

 

[philip_g]

mine is reg'd as a DD and the other car a weekend car, the jeep about 20 a month liability only and the GTO about 85 with comp/coll.

 

[mingo]

Havent really paid attention to how its registered. But Its only $34.00 a year and I carry liability only through USAA.($120.00 for 6 months) Which is cheap cheap. No emissions on the Western Slope if that matters. Its an 89 by the way.

 

[riverfever]

My 96 is a DD and it has full coverage through American Family and I pay about 70 bones a month.

 

[rammie]

Cool, thanks for the answers. Seems cheap and easy enough to just do it normally.

 

[Crash_AF]

Yea, tell your agent that it only gets driven under 5000 miles a year as 'recreational use' and you will probably get a lower rate.

Later,
Joe

 

[Kittrell]

'99, full coverage, runs $150 a month. And I'm 21. As far as the insurance company knows it's a stock XJ. And you can check with yours, but most places will reimburse you for modifications as long as you have receipts for the items.

 

[WB9YZU]

I don't want to be a jerk, but if this was posted in a national thread then it would be cool. It's not about what hoops you have to jump through in your state, but Colorado. See my point? Oh, I guess since I haven't officially sent off my cash to be a "memeber" yet means my opinion is moot? Why aren't you guy's lurking your regional forums?

Remember this? Kinda just like a poll. You just made my point...

Since the original poster posted his Thanks, I will address this little bit of back biting.

Yes, I remember it well. I was commenting on a poll in OT that had 2 answers that did not apply. What is more interesting to me is that you went looking for it for ammo to shoot at me here with.

Asside from your opinion on the value of answers provided by 5-90 and I, we have the right to post most anywhere on the Forums. None of us are restricted to a particular Chapter Forum...as it should be. Yes, I "lurk" in the Midwest Chapter Forum also.

As to my membership comment. Members support this Forum and other functions so that non-members like yourself can come, look around, kick the tires and decide whether you want to become club members. Members in general tend to look poorly on non-members who decide to become abusive as you are our guest.

 

[frankenstang57]

Members in general tend to look poorly on non-members who decide to become abusive as you are our guest.

I see, thanks for the heads up, but you are still off topic.

 

[planefixer]

Dang...
Jon, it appears that as actual Members of , we are not allowed to respond to posts here, even if we do make valid points.
:badpc:

Ron, no one said you cant post.The guy was asking about Colorado vehicle registration questions (maybe he should have been more specific in his title & first post).I know yours ( and Jon's) intent was to help and is appreciated but registration statutes from other states dont do much good in this case.

As far as my '97 XJ......... its registered as a station wagon and full coverage insurance is about $74.00/month.

 

[WB9YZU]

Jeff, you are right, I did read the question wrong. I read that that the second vehicle was a trail only piece. Why? I don't know ... I'm still trying to figure out why I have 3 sets of new brake pads for the 98' in the garage :doh:

I did visit the CO Dept of Revenue website before answering the question, but because I misread the question, well, you know... :dunce:

Both of my Jeeps are insured as Liability Only. Cost = $100/6 months.
Since both are Street/Trail and paid for, I see no reason to pay the Insurance company more than I need to.
If you designate to your insurance company that one vehicle is the "Primary" vehicle, you can generally get a rate discount on the second, but usually only on collission coverage. That should apply to CO also

I have a Jeep to work on, mostly PM stuff....yea