Insurance rates on your blown car

[Huck1974]

Just don't tell them about it

[Camaro54]

I've got a blown SS with many extras. I called around and landed with Progressive. I told the agent what I had and that I wanted to insure it for what I had in it $65,000. The agent and I took pictures and I had to list all my extras. My driving record was clean and still is (knock on wood). They wrote me a policy to cover everything I have. I just recently went back and dropped the coverage down to $55,000. I'm sury if I had to replace my car $55K would buy me one hell of a nice used blown SS and I'd have $$ left over. I'm 55 years old.

[Z_Rocks]

Originally Posted by Camaro54

I've got a blown SS with many extras. I called around and landed with Progressive. I told the agent what I had and that I wanted to insure it for what I had in it $65,000. The agent and I took pictures and I had to list all my extras. My driving record was clean and still is (knock on wood). They wrote me a policy to cover everything I have. I just recently went back and dropped the coverage down to $55,000. I'm sury if I had to replace my car $55K would buy me one hell of a nice used blown SS and I'd have $$ left over. I'm 55 years old.

That's the smart way of doing it.

[judimoore]

Originally Posted by 2L82RUN

I've been living what you're about to go through. My daughter is 19 now and my son will be 17 next month....Just let me tell ya, my SS is less expensive to insure with me listed on it than it is to insure her on a Saturn ION and him on a Civic. I've shopped everywhere trying to find better rates but State Farm can't be beat when insuring teens. Once they're gone......I can beat their rates. Lots of mod $$ flying out the window for kids insurance premiums!!

Get a car insurance quote from The Hartford. They gave me the best deal for the teen drivers on my policy.

[Rocky918]

Originally Posted by judimoore

Get a car insurance quote from The Hartford. They gave me the best deal for the teen drivers on my policy.

seems odd.. I just did that and my quote I received was about 1500 less than what I pay now. Where do you up the coverage for modifications and most insurance companies want to know if you have +200 HP like Im going to have since they feel with a more powerful car your more likely to crash it I assume ... theres no place for that info in that quote

[SRFnSNO]

My insurance covers the Blue book of car and a Despicable value on all documented mods on Car.

[PQ]

Originally Posted by Rocky918

how much extra did they charge you?

Originally Posted by Warhead

And what did Geico say, how much did your rates go up?

I ask cause they are who I am insured thru.

Originally Posted by Crowley

BUMP .. same here ..

Crowley

Damn. I missed these. Sorry.

Read my whole post. I was joking.

[ravensjeff]

Originally Posted by Camaro54

I've got a blown SS with many extras. I called around and landed with Progressive. I told the agent what I had and that I wanted to insure it for what I had in it $65,000. The agent and I took pictures and I had to list all my extras. My driving record was clean and still is (knock on wood). They wrote me a policy to cover everything I have. I just recently went back and dropped the coverage down to $55,000. I'm sury if I had to replace my car $55K would buy me one hell of a nice used blown SS and I'd have $$ left over. I'm 55 years old.

That's exactly what I did with the Harley- Progressive too. If someone doesn't tell their insurance company of mods, and pay extra to cover them, I wouldn't think you'd get re-embursed for claims.

I know earlier I read some threads here where someone's insurance dropped them. It's something you have to be very careful with when investigating. Uhhh, hi Allstate, Can you give me a quote for a modded out new Camaro with 650+ HP?? Yes- Zero dollars since we no longer cover you!! (This is what I don't want to hear)

[Rocky918]

Originally Posted by ravensjeff

I know earlier I read some threads here where someone's insurance dropped them. It's something you have to be very careful with when investigating. Uhhh, hi Allstate, Can you give me a quote for a modded out new Camaro with 650+ HP?? Yes- Zero dollars since we no longer cover you!! (This is what I don't want to hear)

thats why I dont know what to do... I have state farm and am afraid to tell them im about to add +200 HP :/

[Huck1974]

I assure you that insurance was the last thing the rest of us gave a shit about when we pulled the trigger. State Farm here also. They don't need to know. If it is a total loss, I'll buy it back and get my parts.

[Rocky918]

Originally Posted by Huck1974

I assure you that insurance was the last thing the rest of us gave a shit about when we pulled the trigger. State Farm here also. They don't need to know. If it is a total loss, I'll buy it back and get my parts.

then what happens if you get a fender bender, an insurance adjuster shows up... sees the blower and parts and then you get dropped on the spot ... theres no reason it cant happen

[Notneb]

Unless you're insured with Dicks r' Us, I highly doubt that would happen.

[Huck1974]

Originally Posted by Rocky918

then what happens if you get a fender bender, an insurance adjuster shows up... sees the blower and parts and then you get dropped on the spot ... theres no reason it cant happen

Had it happen last week. Someone backed into the car trying to parallel park. It was parked in front of a local restaurant. I already have a check in my hand.

Twin turbo, big intercooler under there, etc. State Farm.

Its ok man. Quit trying to talk yourself out of it.

I forgot to mention that I took the adjuster for a ride.

[Notneb]

Lol, nice.