insurance..full coverage on OBS? - Ford Powerstroke Diesel Forum
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post #1 of 13 Old 09-04-2008, 11:56 AM Thread Starter
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Question insurance..full coverage on OBS?

Do you guys think its worth having full coverage on a 97 F250 extended cab 8ft. Its in good condition with gauges, intake, exhaust...Its 500$ more a year and i cant decide if its worth it on the older trucks with 170K+ miles....What do you guys think or do?

1997 7.3 extended cab 8ft.

4" straight piped
DIY intake- 6637 filter
178K on the dash
Boost, PYRO, Trans temp gauges (auto meter)
33" nittos on stock height
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post #2 of 13 Old 09-04-2008, 11:59 AM
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insurance in general is a rip off... that said if you like the truck and pending something other than a total loss you can get it fixed at the expense of the company that is bending you over.

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post #3 of 13 Old 09-04-2008, 03:01 PM
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full coverage here. came with tow coverage also. i break down and call a tow truck, its on them.

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post #4 of 13 Old 09-04-2008, 03:18 PM
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It really comes down to, can you afford to fix it or replace it if you wreck it? $500 over a year may be easier to afford then a new truck payment or several thousand dollars in repairs. And if your luck with accidents is as bad as mine then it will be a person with no insurance.

How much do you think it would cost you to replace your truck exactly they way it is. If you can drop that amount of money without a problem, drop the insurance.

F250 reg cab short bed
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post #5 of 13 Old 09-04-2008, 03:19 PM
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i do with a $100 comp. deductable.......but I live in deer country. round this time of the year its not uncommon to see 20 in a 10mile stretch.

-ReD

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post #6 of 13 Old 09-04-2008, 03:32 PM
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Originally Posted by metallitera View Post
i do with a $100 comp. deductable.......but I live in deer country. round this time of the year its not uncommon to see 20 in a 10mile stretch.
That's an understatement, on my way down from DFW I can count at least 20-30 laying on the side of the road.

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post #7 of 13 Old 09-04-2008, 04:00 PM
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Originally Posted by choctaw View Post
That's an understatement, on my way down from DFW I can count at least 20-30 laying on the side of the road.
Yea, im still gettin used to figurin out which will commit suicide and which ones are used to cars....bein from HEB also this is a BIG change! but i sure would take a deer any day over airport freeway or central & LBJ!

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post #8 of 13 Old 09-04-2008, 04:03 PM
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I went for full coverage just for the fact that it wasnt much more, and i have really bad bad luck...



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Looking at 6.4s Moving in a few months then hopefully buying my dream truck!!!

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post #9 of 13 Old 09-04-2008, 04:06 PM
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AND DON'T FORGET MURPHY'S LAWS!!!!!

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post #10 of 13 Old 09-04-2008, 04:45 PM
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I have full coverage on my obs cause its on a loan. When the loan is payed off, i will prob keep the full. I have USAA and its like $500 for 6mo

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