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Insurance with S/C help

Discussion in '2nd Gen. Tacomas (2005-2015)' started by ottomastiff, Jul 2, 2011.

  1. Jul 2, 2011 at 4:26 PM
    #1
    ottomastiff

    ottomastiff [OP] Active Member

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    Minneapolis
    Vehicle:
    2011 Taco
    TRD cai,s/c,catback, running boards. just a sub and a amp so far.
    I have insurance with Progressive who is limiting my accessory coverage to 5k
    If i wanted to cover it for more, ( i want 8K ) for all the crap i put into my truck, they want 356$ a month more than what im paying now!!

    Geico wont insure me because i have a S/C

    Any thoughts?

    thanks
     
  2. Jul 2, 2011 at 4:40 PM
    #2
    easyeatlanta

    easyeatlanta Artificial Intelligence beats natural stupidity

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    Eric
    Memphis
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    another insurance company
     
  3. Jul 2, 2011 at 4:56 PM
    #3
    bigef12

    bigef12 Well-Known Member

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    Removed that stupid "Sport Bumper Trim"
    Try travelers. Cheapest for me by quite a bit.
     
  4. Jul 2, 2011 at 4:57 PM
    #4
    zul

    zul Professional Goofball

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    s/c?
     
  5. Jul 2, 2011 at 4:57 PM
    #5
    rcbs204

    rcbs204 Well-Known Member Vendor

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    State Farm FTW
     
  6. Jul 2, 2011 at 5:01 PM
    #6
    YoungTacoLover

    YoungTacoLover Well-Known Member

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    Wish I had one </3
    x2
     
  7. Jul 2, 2011 at 5:16 PM
    #7
    08TRDOFFROAD

    08TRDOFFROAD Well-Known Member

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  8. Jul 2, 2011 at 5:33 PM
    #8
    ottomastiff

    ottomastiff [OP] Active Member

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    2011 Taco
    TRD cai,s/c,catback, running boards. just a sub and a amp so far.
    Super charger.


    thanks folks!
     
  9. Jul 2, 2011 at 5:53 PM
    #9
    trot

    trot 兔年快乐! 慢慢走!

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    2011 DC SWB OR 4x4 BONE STOCK :-)
    State Farm has always taken care of me, but my policy number goes way back to when I first got a car.

    Bottom line on modified vehicles is simple: Disclose all the mods and pay the price to insure them at a point you're comfortable. If it's too high, shop it around. But, you get what you pay for.

    Most folks like to keep car, house, bike etc. together with one agent since that tends to give a discount.

    YMMV though, State Farm wouldn't cover my HD in MD, but did when I moved elsewhere. It was modified, but my agent there, at the time, just refused bikes.
     
  10. Jul 2, 2011 at 6:00 PM
    #10
    Tckwarrior

    Tckwarrior Well-Known Member

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    Why did you tell them you had a s/c? Secondly State farm has never given me crap about modified vehicles.
     
  11. Jul 3, 2011 at 7:58 AM
    #11
    ottomastiff

    ottomastiff [OP] Active Member

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    2011 Taco
    TRD cai,s/c,catback, running boards. just a sub and a amp so far.
    First off, they said they only covered things like stereos. What i actually asked was if they covered engine mods like a SC. They said no they don't. If i had taken them up on insurance, my sc would not be covered. Its about protecting my investment.

    My current insurance doesnt care if i have one or not, they just won't cover over 5k in accessories.

    I will check out state farm thanks guys.
     
  12. Jul 3, 2011 at 9:37 AM
    #12
    DanCorcoran

    DanCorcoran Active Member

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    Richmond, VA
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    Failure to tell your insurance company about something may keep your premiums down, but if they refuse to pay a claim, don't get upset. Personally, I want them to know everything so that there won't be any hassles at claim time.
     
  13. Jul 3, 2011 at 10:49 AM
    #13
    ottomastiff

    ottomastiff [OP] Active Member

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    2011 Taco
    TRD cai,s/c,catback, running boards. just a sub and a amp so far.
    Yup, thats why I told my current insurer.
     
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