Hey guys,

I was wondering what insurance company most of you guys are with. I am with statefarm, but they said if I install any kind of lift or bigger tires they will drop me. I called around and everyone I talked to said that they don't insure lifted trucks unless you get HIGH risk insurance which is retarded. Do you just put the lift kits or body lifts in and not say anything? Something about modifying the center of gravity of the truck.

Thanks.

 

I have USAA and they don't insure radar detectors and liquor. That's about it. And they're super cheap.

 

ive been with alot of people and ive never been asked if my truck was lifted. actually, the last two insurance companies didnt ever see my truck

 

yea all mine wanted to know was the VIN #

 

Hmm...I have never been asked anything about my car.

FordGuy302's truck is lifted and they haven't said anything.

 

So just lift it and say UP YOURS statefarm?
Sounds good to me.

 

my insurance companies have never seen any of our cars. i just recently added the 5.0 they just wanted to know body style, vin and engine size (lol @ being 18 with a 5 speed convertible 5.0)

 

thats wierd. theyve i have ohio casualty and theyve never seen any of my familys vehicles. at least not till i wrecked my old z71, then the adjuster had to look at it. thatd be the time they **** you in the ***... they dont ask nething but vin and such then you get in a fender bender or total the mother ****er out and the adjuster goes to look at your truck only to find you have a lift and oversize tires. then theyd be like "oh, were not gonna pay bc if you wouldnt have done that stuff to it you probably wouldnt have had the accident."

 

i have state farm insurance. they told me as long as the truck is street legal, insurance wouldn't be a problem.
of course, i'm also a 25+ year member with state farm....

 

Note to self: Always carry stock tires and tools at all times. The old bait and switch. lol

 

i also have state farm. I would call a different agent b/c my friend called one agent was quoted like 250 a month then he called my agent was quoted a lower price then he called ANOTHER agent lol and is down to 150 a month on 2 cars

 

I have State Farm. My truck is lifted and no one cares. Do they inspect your vehicle or something?

 

I've thought about it and wondered how much it would raise my rates being all modded up. But I would like them to pay for the extra stuff on the truck if anything were to happen. Just never asked.

 

I've got StateFarm and they haven't dropped me. But, they don't know my truck is lifted.

 

thats cheap for 2 cars. mine is sky high bc i totaled a $8700 truck and had like a 15-20k dollar hospital bill. im payin $1600 a yr on a 93 single cab 2wd 5.7l gmc. which is actually my dads. lol.

 

I dont thinks So , Im with State Farm and as long as it passes inspection they cover it .
My insurence agent Told me this is there policy, I doubt it changes from state to state .

 

I was payin about 600 a year for my lifted 93, never once had allstate ask me about any modifications I had on it

 

I have Safeco and they've never asked and after 2 accidents no one has seen the trucks... as long as I use their body shop it's no questions asked.

 

I pay about $1100 every 6 months. $1600 a year would be nice, lol.

 

i pay 1400 per 6 months.. one because im a teenager and 2 i had an accident that ****ed up a dudes car when i backed into it but my truck didnt have a scratch... hitch reciever plug FTMFW
and thats with statefarm

 

If they ask always say its stock

 

um rate is the same since lift and tires... my agent see's my truck every month he likes it oh ya my rates went down when i turned 25... so ya.. no issues

 

wow that sucks bad.. wow on a 1996 wow...

my 2000 is at AAA insurance $850 a year with 250 deductibles...

i have like 3 tickets too and a few accidents..

 

id check those state farm stuff, i know they changed their policy and are dropping lifted trucks. also when you get in that wreck with a lifted truck they have every right not to cover you.

i have farm bureau insurance, they cover both my 05 150 and my 03 ranger both are modified in some way, they cover what i ask them to cover(mods etc). i pay about 700 for both every 6 months. full coverage.

 

I have Progressive. They dont care about any modifications as long as its street legal. if its not legal and an insurance claim is made, they said they couldnt cover it. They also had an option to add the value of the aftermarket mods to the premium. I put an additional $2500 on there so i can get that much for my mods if I wreck my truck. pretty cool deal... My last company, Gieco had nothing like that.