Insurance for Modified Cars - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Armyavi8r · 07-27-2021, 12:26 AM

Hi Camaro nation,

I'm looking for recommendations for primary or supplemental auto insurance that covers performance modifications. I'm sure this has come up in a forum, but I was unable to find a thread covering this question.

Thanks!

morepowerjoe · 07-27-2021, 02:41 AM

Hey buddy I just asked a similar question about a month ago.
https://www.camaro5.com/forums/showthread.php?t=593881
Yeah like I said in one of the post in there I have geico, so I gave them a call and told them I was going to do some mods. Then the lady asked me if I have done the mods already 🙄 and I didn't want to lie so I said yes. She then asked me how much in mods have I done so I just threw a number out there and $5000. I asked her if I could call back, she then told me that I had to add the extra $5000 because I had already done the mods. So I went ahead and added the extra coverage because it was only like $20 more a month. I didn't want to tell her that I had 12k in mods because I wasn't sure that I wanted to insure that much because of price. But now if I total my car now I will get 19k instead of 14k. Not bad I guess but I think that next term I might increase it to 25k total because I actually have 12k in mods and repairs.

What insurance carrier do you have?

TheFlyingBananaSS · 07-27-2021, 06:27 AM

Hagerty

Armyavi8r · 07-27-2021, 09:40 AM

Quote:

Originally Posted by TheFlyingBananaSS

Hagerty

I ran a quote. Not too bad, might give them a call. Thank you!

Armyavi8r · 07-27-2021, 09:42 AM

Quote:

Originally Posted by morepowerjoe

Hey buddy I just asked a similar question about a month ago.
https://www.camaro5.com/forums/showthread.php?t=593881
Yeah like I said in one of the post in there I have geico, so I gave them a call and told them I was going to do some mods. Then the lady asked me if I have done the mods already 🙄 and I didn't want to lie so I said yes. She then asked me how much in mods have I done so I just threw a number out there and $5000. I asked her if I could call back, she then told me that I had to add the extra $5000 because I had already done the mods. So I went ahead and added the extra coverage because it was only like $20 more a month. I didn't want to tell her that I had 12k in mods because I wasn't sure that I wanted to insure that much because of price. But now if I total my car now I will get 19k instead of 14k. Not bad I guess but I think that next term I might increase it to 25k total because I actually have 12k in mods and repairs.

What insurance carrier do you have?

I have USAA and they aren't interested in covering modifications. I ran a Hagerty quote; I'll try Geico too and see what I get. Thanks!

Car Nation Videos · 07-27-2021, 12:41 PM

Call back and ask if you do $7000 more in mods, what would your payment be..

Armyavi8r · 07-27-2021, 08:52 PM

Quote:

Originally Posted by TheFlyingBananaSS

Hagerty

Hagerty for the win! Very reasonable quote with enough coverage for my mods! Thanks for the lead!

TheFlyingBananaSS · 07-27-2021, 08:56 PM

Quote:

Originally Posted by Armyavi8r

Hagerty for the win! Very reasonable quote with enough coverage for my mods! Thanks for the lead!

Sweet. Glad I was able to help out.

Aqua Blue RS/SS · 07-27-2021, 10:09 PM

Hagerty here as well, 25K agreed value. you won’t regret it!

Vicster · 07-28-2021, 05:31 AM

I have progressive and my ZL1 is insured for $95,000. I totaled my last ZL1 and they did pay out for the mods (but they depreciated the pay out price from the coverage date). So they paid out like $89,000. They will not pay out for your time working on your own car. I had a spread sheet of all mods with prices and all the receipts. My insurance broker also took pictures of the car and obvious mods.
Hagerty needs for the car to be in a locked garage and limits mileage driven. I do not have a garage, but during the winter when the car is not driven I lower my rates by putting it into storage.

TheFlyingBananaSS · 07-28-2021, 05:57 AM

Hagerty does NOT limit mileage or require a locked garage. They insured my SS and now my Z06.

morepowerjoe · 07-28-2021, 06:44 AM

Hagerty asked me how many miles I drive a year and I told them about 7k. So I asked them what if I go over and they told me to just call them and let them know my actual mileage at the end of the year so they could update my records. And they asked me if my car would be parked on the street, under a carport, or in a garage and I told them a garage. So it was unclear whether those were requirements or not. But since the way they asked me I'm guessing no.

Vicster · 07-28-2021, 07:02 AM

Quote:

Originally Posted by TheFlyingBananaSS

Hagerty does NOT limit mileage or require a locked garage. They insured my SS and now my Z06.

Good for you, That is what they told me... When they asked me street, carport or garage I told them carport. They told me no for the carport, but they were working on adding carports.

I remember the main reason they turned me down, I told them I have 1,000hp and modified suspension. Even my insurance broker could not talk them into insuring the car.

All of you saving money on ins. more power to you! I am jealous! Keep it between the lines...

Aqua Blue RS/SS · 07-28-2021, 07:07 AM

I’ve got Hagerty on my 72 K20 as well and it’s parked in the driveway in front of the house. The Camaro stays in the shop but it wasn’t a big deal if it was outside either. I’ve had them for about 2 years now. I’ve got my Camaro insured for 3K miles a year and the truck for 7K. They told me when I started out with them that it I went over the mileage caps it wasn’t a big deal.

07-27-2021, 12:26 AM	#1
Armyavi8r Drives: 2010 Camaro 2SS/RS A6 Join Date: Jul 2021 Location: Little Rock, AR Posts: 76	Insurance for Modified Cars Hi Camaro nation, I'm looking for recommendations for primary or supplemental auto insurance that covers performance modifications. I'm sure this has come up in a forum, but I was unable to find a thread covering this question. Thanks! Attached Images __________________ 2010 2SS/RS A6. GPI SS3 VVT Cam, 228/246 / AFM Delete / Circle D 4C 36-3800 Stall / Stainless Works LTHs, High Flow Cats, X-pipe, Borla Pro XS Mufflers and Quad Tips / Vararam CAI / Soler 95mm PTB / AAM 3.91 gear / GPI Ported Heads / GPI Ported Rod Mod Intake Manifold/ Smith Bros. Trunnions / GPI 5/16" hardened push rods, 7.425"/ Chevrolet Racing Lifters / Melling 10355 Oil Pump / Powermaster XS Torque Starter / Derale Xmsn Cooler / 1LE Suspension Upgrade System / BMR Strut Tower Brace, Trailing Arms and Toe Rods / Powerbond 25% UDP / Mishimoto catch can / iDatalink Maestro.

07-27-2021, 02:41 AM	#2
morepowerjoe Drives: 2012 Chevrolet Camaro l99 Join Date: Aug 2020 Location: Austin, TX Posts: 2,103	Hey buddy I just asked a similar question about a month ago. https://www.camaro5.com/forums/showthread.php?t=593881 Yeah like I said in one of the post in there I have geico, so I gave them a call and told them I was going to do some mods. Then the lady asked me if I have done the mods already 🙄 and I didn't want to lie so I said yes. She then asked me how much in mods have I done so I just threw a number out there and $5000. I asked her if I could call back, she then told me that I had to add the extra $5000 because I had already done the mods. So I went ahead and added the extra coverage because it was only like $20 more a month. I didn't want to tell her that I had 12k in mods because I wasn't sure that I wanted to insure that much because of price. But now if I total my car now I will get 19k instead of 14k. Not bad I guess but I think that next term I might increase it to 25k total because I actually have 12k in mods and repairs. What insurance carrier do you have? __________________ DSS FX Forged Pistons, Eagle ESP L19 Forged Rods, ARP Head and Main Studs, TSP PRC 260 CNC Ported Heads milled .030, Cometic .040 Head Gaskets, GPI SS3 VVT Camshaft, GM Performance Racing Lifters, CHE Trunnions , Molly Pushrods, Melling 10355HV Oil Pump, Cold Air Inductions CAI, Fast LSXR Intake Manifold, Nick Williams 103 TB, TSP 1 7/8" Longtubes with 3" TSP Exhaust, ZL1 Fuel Pump, Mishimoto Radiator, Mishimoto Oil Cooler, Tru Cool 40k Tranny Cooler, 3600 Circle D Converter, Fluid Dynamics Balancer Build Thread https://www.camaro5.com/forums/showthread.php?t=609817

07-27-2021, 06:27 AM	#3
TheFlyingBananaSS Evil Genius of Chevrolet Drives: 2017 Z06, 2019 XTS, 2013 SS Join Date: Feb 2017 Location: New York Posts: 3,260	Hagerty __________________ GPI SS2 VVT cam, ECS Novi 1500 supercharger, Corsa Extreme, Detroit Speed and BMR suspension, Circle D triple disc, Melling oil pump, LS2 chain tensioner, ATI 10% UD, DSX E85 kit, High Energy coils, BTR springs, LS2 Lifter trays, Titanium retainers, hardened push rods, FIC 1000 injectors, ZL1 pump, Mighty Mouse catch can, AEM gauges, Tial BOV, Richmond 3.91 gears, Custom gauge bezels, Speed Engineering headers, Stainless Works HF cats, DSX Aux pump, 710rwhp on E85.

07-27-2021, 10:09 PM	#9
Aqua Blue RS/SS Drives: ABM #93 Join Date: Oct 2018 Location: Lotaburger Posts: 2,692	Hagerty here as well, 25K agreed value. you won’t regret it! __________________ ABM #2399 2SS/RS:SOLD ABM #93 2SS/RS Black Rally stripes, Titanium Interior 4,000 miles: GM GFX side skirts and diffuser waiting on paint, GM dovetail, GM heritage, RPI ZL1 style splitter. ‘87 IROC-Z Iroc blue. all original unmolested with 50K miles.

07-28-2021, 05:31 AM	#10
Vicster 1000hp is NEVER Enough! Drives: 13' ZL1 Join Date: Jan 2013 Location: Seattle Posts: 662 View My Garage	Progressive I have progressive and my ZL1 is insured for $95,000. I totaled my last ZL1 and they did pay out for the mods (but they depreciated the pay out price from the coverage date). So they paid out like $89,000. They will not pay out for your time working on your own car. I had a spread sheet of all mods with prices and all the receipts. My insurance broker also took pictures of the car and obvious mods. Hagerty needs for the car to be in a locked garage and limits mileage driven. I do not have a garage, but during the winter when the car is not driven I lower my rates by putting it into storage.

07-27-2021, 12:41 PM	#6
Car Nation Videos YouTube-Car Nation Videos Drives: 2010 Chevrolet Camaro Join Date: Nov 2019 Location: Florida Posts: 246	Call back and ask if you do $7000 more in mods, what would your payment be..

07-28-2021, 05:57 AM	#11
TheFlyingBananaSS Evil Genius of Chevrolet Drives: 2017 Z06, 2019 XTS, 2013 SS Join Date: Feb 2017 Location: New York Posts: 3,260	Hagerty does NOT limit mileage or require a locked garage. They insured my SS and now my Z06. __________________ GPI SS2 VVT cam, ECS Novi 1500 supercharger, Corsa Extreme, Detroit Speed and BMR suspension, Circle D triple disc, Melling oil pump, LS2 chain tensioner, ATI 10% UD, DSX E85 kit, High Energy coils, BTR springs, LS2 Lifter trays, Titanium retainers, hardened push rods, FIC 1000 injectors, ZL1 pump, Mighty Mouse catch can, AEM gauges, Tial BOV, Richmond 3.91 gears, Custom gauge bezels, Speed Engineering headers, Stainless Works HF cats, DSX Aux pump, 710rwhp on E85.

07-28-2021, 06:44 AM	#12
morepowerjoe Drives: 2012 Chevrolet Camaro l99 Join Date: Aug 2020 Location: Austin, TX Posts: 2,103	Hagerty asked me how many miles I drive a year and I told them about 7k. So I asked them what if I go over and they told me to just call them and let them know my actual mileage at the end of the year so they could update my records. And they asked me if my car would be parked on the street, under a carport, or in a garage and I told them a garage. So it was unclear whether those were requirements or not. But since the way they asked me I'm guessing no. __________________ DSS FX Forged Pistons, Eagle ESP L19 Forged Rods, ARP Head and Main Studs, TSP PRC 260 CNC Ported Heads milled .030, Cometic .040 Head Gaskets, GPI SS3 VVT Camshaft, GM Performance Racing Lifters, CHE Trunnions , Molly Pushrods, Melling 10355HV Oil Pump, Cold Air Inductions CAI, Fast LSXR Intake Manifold, Nick Williams 103 TB, TSP 1 7/8" Longtubes with 3" TSP Exhaust, ZL1 Fuel Pump, Mishimoto Radiator, Mishimoto Oil Cooler, Tru Cool 40k Tranny Cooler, 3600 Circle D Converter, Fluid Dynamics Balancer Build Thread https://www.camaro5.com/forums/showthread.php?t=609817

07-28-2021, 07:07 AM	#14
Aqua Blue RS/SS Drives: ABM #93 Join Date: Oct 2018 Location: Lotaburger Posts: 2,692	I’ve got Hagerty on my 72 K20 as well and it’s parked in the driveway in front of the house. The Camaro stays in the shop but it wasn’t a big deal if it was outside either. I’ve had them for about 2 years now. I’ve got my Camaro insured for 3K miles a year and the truck for 7K. They told me when I started out with them that it I went over the mileage caps it wasn’t a big deal. __________________ ABM #2399 2SS/RS:SOLD ABM #93 2SS/RS Black Rally stripes, Titanium Interior 4,000 miles: GM GFX side skirts and diffuser waiting on paint, GM dovetail, GM heritage, RPI ZL1 style splitter. ‘87 IROC-Z Iroc blue. all original unmolested with 50K miles.