Newbie here. Great forum! Just a question concerning perfromace mods.and insurance. I never had a performace car, although I have one ordered (see sig). Can my insurance rates increase (without speeding tickets) with performance mods. as in S/C? And if so how does my insurance company find out what mods. are on my car if I upgrade?
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'06 GT Premium Manual Redfire
DORA 7/28/05
Serialized 8/18/05
Build Week:9/12/05
Gate release: 9/16/05
ETA to dealer: 9/26/05
Newbie here. Great forum! Just a question concerning perfromace mods.and insurance. I never had a performace car, although I have one ordered (see sig). Can my insurance rates increase (without speeding tickets) with performance mods. as in S/C? And if so how does my insurance company find out what mods. are on my car if I upgrade?
Nope, Dosen't matter.
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2006 GT Tungsten Grey 5 spd, Xcal2/Pipeline CAI, Powerhouse tune. Spoiler delete. Front Speakers:Infinity 6812CF;Blaupunkt GTc652. Rear:Infinity Kappa 682.7CF. H/U:Alpine CDA-9885. Alpine MRP-F250 amp. Sequentials. President of the Splash guard registry. On Deck: Motoblue UDP's.
It does matter. If they find out you have a supercharger or nitrous on the car, they'll classify it modified for racing. I'm not sure how much the rate will go up though.
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Sometimes I think that government fits that old-fashioned definition of a baby: An alimentary canal with an appetite at one end and no sense of responsibility at the other.
- Ronald Reagan
If you dont tell the insurance company about your modifications, dont expect them to reimburse you for their loss in the event of an accident or if the car is stolen.
Later,
Jason
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99gt vert, CAI, Ford Racing Shortie Headers, MAC 2.5in catback, MAC o/r h-pipe, FRPP alum. driveshaft, March underdrive pullies, sct custom dyno tune, eibach pro-kit, bullitt alum pedals, Cobra Brake Kit, Tokico shocks and struts, PIAA bright whites...FRPP 4.10s!
It does matter. If they find out you have a supercharger or nitrous on the car, they'll classify it modified for racing. I'm not sure how much the rate will go up though.
Uh oh. You have a valid point. I really don't want to call my insurance agent to find out because as soon as my car gets delivered I'm gonna have to get him to insure it and I don't want to tip him off. If I do modifiy, it will be way down the road until I can save some cash. Thanks for the reply.
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'06 GT Premium Manual Redfire
DORA 7/28/05
Serialized 8/18/05
Build Week:9/12/05
Gate release: 9/16/05
ETA to dealer: 9/26/05
If you dont tell the insurance company about your modifications, dont expect them to reimburse you for their loss in the event of an accident or if the car is stolen.
Later,
Jason
Wow another good point. What have other done in the case of modified engines? How much of an increase in insurance costs? Thanks in advance for the replies.
__________________
'06 GT Premium Manual Redfire
DORA 7/28/05
Serialized 8/18/05
Build Week:9/12/05
Gate release: 9/16/05
ETA to dealer: 9/26/05
Hi,this is alora.Getting online auto insurance quotes for business is a little different than insurance for personal driving. When using an automobile for business purposes, the vehicle represents your company. Therefore, if you have an accident, you'll need proper insurance to cover liability issues concerning your company as well as any personal needs.If you want more please visit us.
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alora
its based on the VIN so i guess if the ins. company doesnt know about it, they cant charge you for it
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2007 Satin silver 4.0-"Sadie"- Dual Pypes Violators, JLT CAI and 93 bama race tune, motive 4.10 gears and FRPP T Lok BEST E.T.- 14.485 AT 94.1
1985 Regatta Blue 'vert 5.0 LX-"Sally" 87 5.0 motor, Holley 600 4bbl carb, edelbrock high rise intake, MSD ignition, 1.7 Roller Rockers, underdrive pulleys, A/C and smog delete,BBK O/R H-pipe, flowmaster American thunders. transformed from a 3.8 to a 5.0!
Hi,this is alora.Getting online auto insurance quotes for business is a little different than insurance for personal driving. When using an automobile for business purposes, the vehicle represents your company. Therefore, if you have an accident, you'll need proper insurance to cover liability issues concerning your company as well as any personal needs.If you want more please visit us.
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alora
woah, oops i wouldnt have postd had i known it was 4 years old!! haha
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2007 Satin silver 4.0-"Sadie"- Dual Pypes Violators, JLT CAI and 93 bama race tune, motive 4.10 gears and FRPP T Lok BEST E.T.- 14.485 AT 94.1
1985 Regatta Blue 'vert 5.0 LX-"Sally" 87 5.0 motor, Holley 600 4bbl carb, edelbrock high rise intake, MSD ignition, 1.7 Roller Rockers, underdrive pulleys, A/C and smog delete,BBK O/R H-pipe, flowmaster American thunders. transformed from a 3.8 to a 5.0!
lol who would that anyway unless your really overexcited about a charger an had no one to to tell about it lol.... hi insurance man whos burns holes in my pocket did i put a supercharger in my already fast ride can you raise my rate please???
Doesn't it go up if you want to cover any aftermarket parts by your insurance. For example:
Car is valued at $10k, you put $15k in mods on it, you wreck it, they give you a $10k insurance check.
Some insurance companies will let you cover aftermarket parts up to a certain limit, now this obviously will raise your premium, but you wouldn't lose a ton of money if it was wrecked.
Hi,this is alora.Getting online auto insurance quotes for business is a little different than insurance for personal driving. When using an automobile for business purposes, the vehicle represents your company. Therefore, if you have an accident, you'll need proper insurance to cover liability issues concerning your company as well as any personal needs.If you want more please visit us.
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alora
Insurance rates 
