Insurance for your MODS - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

1985airborne · 03-13-2012, 07:06 PM

Hey I was brain storming about protecting your MODS are there car insurance that offers this?

*The Stig* · 03-13-2012, 07:09 PM

you can do it through your current insurance. I looked into this, but there's a catch 22. They won't tell you how much it'll raise your premiums until after you tell them your mods.

=Stephens= · 03-13-2012, 07:30 PM

Yes, it is called Personal property insurance, usually it has a 1000 deductible. covers anything that is not stock. and anything in your vehicle that is stolen if broken into. but you have to be able to provide reciepts.

hunt · 03-13-2012, 07:32 PM

I have USAA and as long as i keep receipts and pictures, they insure any aftermarket parts for free. Other insurance companies may not be as nice though!

robertgss3 · 03-13-2012, 07:34 PM

I had to get specialty vehice insuarance which typically will limit your mileage per year otherwise you get raked for mods.

Rogue Leader · 03-13-2012, 10:53 PM

Most insurance companies offer this if you ask. They really won't raise your premium much if at all. What you will need to do though with all of them is cover yourself both with photos and receipts. Also most will not just write you a check for your mods should your car get totaled, they will depreciate them. Its still worth having, better something than nothing.

rberns · 03-13-2012, 11:34 PM

Quote:

Originally Posted by hunt

I have USAA and as long as i keep receipts and pictures, they insure any aftermarket parts for free. Other insurance companies may not be as nice though!

I was looking into this too and I also have USAA. I asked them how much it would cost to cover these mods and they said that as long as I have pictures to show that I have them or receipts that they will cover it. Of course, when I told them I was modding it, they asked if I took it to the track so I made sure I told them no and it was cosmetic only and the is meant for car shows.

derklug · 03-14-2012, 12:46 AM

Covering my stripes cost an additional $7.00 per 6 months. I didn't mention performance mods.

LED Crazy · 03-14-2012, 01:30 AM

State Farm insures all of my mods. If it were to be totaled, it would be replaced as is with mods included.

Rogue Leader · 03-14-2012, 12:01 PM

Quote:

Originally Posted by LED KING

State Farm insures all of my mods. If it were to be totaled, it would be replaced as is with mods included.

Whats nice about them is they offer a stated value policy for regular insurance. I'm sure others do too, but I had this on my GN and got what I insured it for, no questions.

That said of course you can't just insure your 1987 Honda Civic for $50k, you do need to be able to prove its value of course.

LIM3 · 03-14-2012, 12:24 PM

What mods actually depreciate ? They remain the same price from what I've seen

vroomapunk · 03-14-2012, 12:31 PM

Quote:

Originally Posted by LIM3

What mods actually depreciate ? They remain the same price from what I've seen

They just mean your brand new supercharger costs 6k, but with 30,000 miles on it, its not worth 6k anymore, so the depreciate it.

Just like If I wreckend my 4th gen, they wont give me the 22k a 98 camaro cost when it was brand new, theyll give me like 6 grand since thats what its worth, from depreciation over time

xtreme2s · 03-14-2012, 01:10 PM

State farm also told me any and all mods covered

03-13-2012, 07:06 PM	#1
1985airborne I JUST SAY TAILLIGHTS! Drives: BLACK SS 2010 & 2009 SUBURBAN Z71 Join Date: Mar 2010 Location: NC NJ NY DMV Posts: 465	Insurance for your MODS Hey I was brain storming about protecting your MODS are there car insurance that offers this? __________________ RETRO SS EMBLEMS, HENNESSEY CAI, ARH HEADERS, CORSA EXHAUST, GM BLADE DOVE TAIL SPOILER, HEAD LIGHT ARMOR STEALTH HEAD/SIDE/REAR LIGHTS, YANK 2800, RICHMOND 3:73 GEARS, MELLING HV OP, RX DV CC, ZL1 6 PISTON BRAKES, CTS-V ROTORS, ZL1 FRONT AND REAR SWAY BARS

03-13-2012, 07:09 PM	#2
The Stig I used to be Stieger.... Drives: a PBM camaro Join Date: Aug 2009 Location: Northern VA Posts: 25,501 View My Garage	you can do it through your current insurance. I looked into this, but there's a catch 22. They won't tell you how much it'll raise your premiums until after you tell them your mods. __________________ thanks for the sig Russ

03-13-2012, 07:30 PM	#3
=Stephens= OIF Veteran Drives: 2011 LS BAMF Join Date: Feb 2011 Location: Go Big Red Posts: 3,291 View My Garage	Yes, it is called Personal property insurance, usually it has a 1000 deductible. covers anything that is not stock. and anything in your vehicle that is stolen if broken into. but you have to be able to provide reciepts. __________________ https://www.facebook.com/nate.stephens.5?ref=tn_tnmn

03-13-2012, 07:32 PM	#4
hunt Drives: 10 SS 08 Triumph 675 Join Date: Jan 2010 Location: Omaha, NE Posts: 209	I have USAA and as long as i keep receipts and pictures, they insure any aftermarket parts for free. Other insurance companies may not be as nice though! __________________ Never put up with something high maintenance, unless it's high performance.

03-13-2012, 07:34 PM	#5
robertgss3 Super Bee Drives: 2010 Camaro 2SS Sunrise Gold Join Date: May 2009 Location: Phoenix Posts: 863 View My Garage	I had to get specialty vehice insuarance which typically will limit your mileage per year otherwise you get raked for mods. __________________ SuperMaro

03-13-2012, 10:53 PM	#6
Rogue Leader Iatefiberglassinsulation Drives: 2010 Camaro 2SS M6 Join Date: Oct 2008 Location: Long Island Posts: 3,582 View My Garage	Most insurance companies offer this if you ask. They really won't raise your premium much if at all. What you will need to do though with all of them is cover yourself both with photos and receipts. Also most will not just write you a check for your mods should your car get totaled, they will depreciate them. Its still worth having, better something than nothing. __________________ I'm Brick Tamland. People seem to like me because I am polite and I am rarely late. I like to eat ice cream and I really enjoy a nice pair of slacks. Years later, a doctor will tell me that I have an I.Q. of 48 and am what some people call mentally retarded. 2010 Chevrolet Camaro SS - Daily Driver 1996 GMC Sierra 2500 SLT - Tow Vehicle 1993 Volkswagen Fox - Race Car (yes seriously) "Like" my race team on Facebook: http://www.facebook.com/farfrumwinnin

03-14-2012, 12:46 AM	#8
derklug Drives: 12 Boss 302 Join Date: Sep 2009 Location: Grand Rapids, Mi Posts: 1,048	Covering my stripes cost an additional $7.00 per 6 months. I didn't mention performance mods. __________________ The biggest mistakes in life come when you know exactly what you are doing.

03-14-2012, 01:30 AM	#9
LED Crazy okcamaros.com Drives: 2012 2SS/RS IOM L99 Join Date: May 2009 Location: Tulsa, Ok Posts: 1,638 View My Garage	State Farm insures all of my mods. If it were to be totaled, it would be replaced as is with mods included.

03-14-2012, 12:24 PM	#11
LIM3 it's mind bottling.. Drives: a visually loud in color camaro Join Date: Apr 2011 Location: Best place on earth Posts: 3,817	What mods actually depreciate ? They remain the same price from what I've seen __________________

03-14-2012, 01:10 PM	#13
xtreme2s Drives: Livernois 2010 2SS/RS Join Date: Feb 2012 Location: Iowa City, Ia Posts: 266 View My Garage	State farm also told me any and all mods covered

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