Insurance [Merged 10-6]

[mavisky]

shit i hope progressive never gets a look at my car. i'm paying insurance on a fully legal 92 nt with 130hp, but driving a 92 turbo with 250+ and no emissions and a gutted rear seat and hatch area. shit they'd cancel mine in a heartbeat.

 

[99gst_racer]

shit i hope progressive never gets a look at my car. i'm paying insurance on a fully legal 92 nt with 130hp, but driving a 92 turbo with 250+ and no emissions and a gutted rear seat and hatch area. shit they'd cancel mine in a heartbeat.

Just pray that you never have to make a claim. Thats how they got me......

 

[olmytsi]

Your car looks like a race car, why are you complaining? Don't say it isn't either, because your far from stock looking too. I just don't see the point of this thread? Don't get my wrong im not tryn to flame, Progressive sucks...

What does 99gst Racer mean? Sounds like you race your car too me?

I agree if u didnt have a big wing and a custom paint job u would be "ok" and the claim on the fmic was definitely not good since its not stock or even needed for regular use of the car.

 

[leet]

they must have been from Cali to make up those rules.

No, just the wonderful Lands of Capitalism.

Insurance companies are a BUSINESS, their goal is to make a PROFIT.

They don't make a profit when they have to pay for your (or anyone elses) wrecked vehicle.

 

[99gst_racer]

I agree if u didnt have a big wing and a custom paint job u would be "ok" and the claim on the fmic was definitely not good since its not stock or even needed for regular use of the car.

A big wing and custom paint doesnt make a street car into a race car. If it does, then Hot Import Nights is packed full of 9 second cars, I guess. I understand that it looks like a race car, but I've proven to them many times that it is not. I pay extra money for up to $5000 of coverage on my aftermarket modifications, including the intercooler. It was damaged on a public road while driving legally. The intercooler claim was justifiable.

 

[myblack98gst]

sounds like you got hosed!!

I have had progressive for 3 years and my rates have dropped started at $330 a month now $220 a month..

I have had 1 wreck claimed with them, that was in my 98 s-10.. bad thing is it had more power mods than your car :laugh: and they didn't do anything.. actually they replaced the $200 Cold air intake, and the $250 electric fan, and the Xenon front bumper cover. and I didn't replace them I just kept the money

I hope nothing happens with my coverage with them because I would like to keep them atleast till I am 25..



State Farm kicks ass if you are covered by them, they use OEM parts where other companies use aftermarket parts.. BUT if you are not covered by state farm they are VERY neglectfull and will basically lie to keep from paying your repairs.. it almost gets to the point you need to get a lawyer

 

[mavisky]

sounds like you got hosed!!

I have had progressive for 3 years and my rates have dropped started at $330 a month now $220 a month..

I have had 1 wreck claimed with them, that was in my 98 s-10.. bad thing is it had more power mods than your car :laugh: and they didn't do anything.. actually they replaced the $200 Cold air intake, and the $250 electric fan, and the Xenon front bumper cover. and I didn't replace them I just kept the money

I hope nothing happens with my coverage with them because I would like to keep them atleast till I am 25..



State Farm kicks ass if you are covered by them, they use OEM parts where other companies use aftermarket parts.. BUT if you are not covered by state farm they are VERY neglectfull and will basically lie to keep from paying your repairs.. it almost gets to the point you need to get a lawyer

christ that's why i turbo'ed my nt, on plpd i only pay $87 a month with one ticket left and only 23 years old.

 

[2fast2furious]

A big wing and custom paint doesnt make a street car into a race car. If it does, then Hot Import Nights is packed full of 9 second cars, I guess. I understand that it looks like a race car, but I've proven to them many times that it is not. I pay extra money for up to $5000 of coverage on my aftermarket modifications, including the intercooler. It was damaged on a public road while driving legally. The intercooler claim was justifiable.

I think he's talking about that the intercooler is a performance modification, and that is why the insurance company doesn't want to insure you anymore because your using performance modifications that were not intended for public streets (off road use only)

 

[99gst_racer]

I think he's talking about that the intercooler is a performance modification, and that is why the insurance company doesn't want to insure you anymore because your using performance modifications that were not intended for public streets (off road use only)

Yeah, but progressive doesnt know about the Shep tranny, or my LSD, or my 3" turbo-back. They dont care about my FMIC because the car came with a stock Intercooler and they think I just relocated it to the front, . As far as they know, there is not one single part on my car that is 'off road use only'. They are freaking out about the gauges on my dash and my hood pins and K&N filter.....

 

[2fast2furious]

Yeah, but progressive doesnt know about the Shep tranny, or my LSD, or my 3" turbo-back. They dont care about my FMIC because the car came with a stock Intercooler and they think I just relocated it to the front, . As far as they know, there is not one single part on my car that is 'off road use only'. They are freaking out about the gauges on my dash and my hood pins and K&N filter.....

I highly doubt that, most unsuarnace companies have a program like Caps that can tell them what parts go where and how much labor on avg it is to intall. Thats how they usually negotiate with body shops over repairs and parts.

 

[psychlow]

They are freaking out about the gauges on my dash and my hood pins and K&N filter.....

Realistically, it was more likely the aftermarket suspension that hosed you.

shit i hope progressive never gets a look at my car. i'm paying insurance on a fully legal 92 nt with 130hp, but driving a 92 turbo with 250+ and no emissions and a gutted rear seat and hatch area. shit they'd cancel mine in a heartbeat.

Progressive has no guidelines for modified vehicles in Indiana like they do for Michigan. You could put a 1200HP blown 502 in it with straight pipes, and as long as you can get it to pass emissions and get it registered, you'd be fine.

Insurance companies practice different guidelines in different states, and its up to the Product Manager of each state to find a way to be profitable. If the PM sees a trend of losses in a particular that needs to be curtailed, they can change the guidelines for writing business in that state.

To sum it up, just because someone was nonrenewed or cancelled for underwriting reasons in one state, that doesn't mean the same will happen in any other states, even though it's the same company.

 

[nazthug]

you know what guys, hate to be a downer, but sometimes they have a point, and if i would have been them, i may have considered the same

Think about it this way, he had Tenzo seats( :thumbdown ) for example

Some of you guys tend to forget just why OEM design and construction is so important in cars. Most of you underestimate the impact of a collision or a crash.


If you got in a bad crash in those seats, your chance of survival goes to SHIT, you WILL die, those seats are pieces of shit when it comes to safety, construction and durability, they will fall apart instantly, snaping your neck, breaking your back and splitting your head open


This is my main point, some of the mods we do, technically make our cars VERY unsafe, and if you were an insurance company, would you cover a guys car and his medical if he was riding in a modified, unsafe car?

Same thing with lowering springs, they are not oem grade quality, the car may be way to low, bottoming out on rough road, may cause you to lose control, etc...lots of variables

Stuff like that would make me worried about insuring someone

You must understand why oem is oem and why good quality stuff costs, this is why tenzo seats cost $300 a pair, and a real recaro seat costs $1200 a piece, but is fia approved and is designed to be safe, not just for looks

Seats like tenzo are so horribly unsafe, its scary, their sliders are a joke(as most aftermarket are) single lock instead of twin, the backs will collapse and break on impact and there goes your spine

ANyways, just wanted to mention my side of it, something to think about

 

[psychlow]

The above poster makes some very good arguments.

Now, what happens when someone who modifies their car and gets in an accident as a result?

The answer, is that everyone else has to pay for it. When an insurance company is losing money, they increase rates for everyone. That means that because Joe with a 300HP 1000LB Honda wrecked into a brick wall at 130MPH with no seatbelts (extra weight, after all) and kills himself and 3 passengers, everyone else with safer, non-modified vehicles pay the price.

By cutting out the increased risk of modified vehicles in certain states, an insurance company may be able to offer lower rates to everyone else.

 

[nazthug]

The above poster makes some very good arguments.

Now, what happens when someone who modifies their car and gets in an accident as a result?

The answer, is that everyone else has to pay for it. When an insurance company is losing money, they increase rates for everyone. That means that because Joe with a 300HP 1000LB Honda wrecked into a brick wall at 130MPH with no seatbelts (extra weight, after all) and kills himself and 3 passengers, everyone else with safer, non-modified vehicles pay the price.

By cutting out the increased risk of modified vehicles in certain states, an insurance company may be able to offer lower rates to everyone else.

and the worst is if the guy crashes, injures himself for life, the insurance company has pay $800,000 in medical bills all because the guys seat broke off its rails and flew through the window with the guy in it? That would suck

Did you guys ever look at those seat brackets they sell for these cheap seats? The seatbelt bolts to the aftermarket rail, to a small tab that is booger welded to the thin bracket..OUCH, so sad, i know, cause i used to have one of these, and the sliders only 1/2 ass lock on 1 side, the other is a free slider, so get ready to slide all over the place during a crash

You guys should watch some of the FIA testing that goes on with real race seats, even hardcore seats get ####ed up, the impact is soooo huge

Other things like springs, most people ride around without getting hteir car aligned, especially now its ####ING SAD, you can get sleeve coilovers on ebay for $40!!!!!!!!!

WTF is wrong with america? I am in europe right now for a semester, and i came to realize how shity stuff is in america as far as aftermarket, there are NO rules, no regulations, people make all the shit they want as shitty as they want and people buy it.

These people buy these $40 coilover sleeves, slam their cars 3" with -4* camber and riding on bald tires on the belt, in the wet, and they want to be covered? #### THOSE GUYS, i cant stand cars like that, , they are endagering me as well


Here in europe all aftermarket products must pass TUV approval, so no garbage ever goes on cars, at least thats the plan

in america, I live in a town where there are tons of ricers, people riding on bump stops, cheap cheap cheap ass seats, aftermarket steering wheels not even made for the car, funny bar roll cages that will poke a hole in your head, just stupid shit, i would NEVER insure these people

Anyways, this is an extreme example of the kind of shit that is all over the country by the hundreds of thousands, so this is why insurance companies get anal, and so would i unfortunately

There are NO standards in our country, and this is why we are flooded with shity garbage chinese products that people buy cause its cheap..those are TRUE ricers

 

[na90dsm]

im goin geico. they quoted me 3200 a year for my 1g. allstate was 4k a year

 

[djpast]

im goin geico. they quoted me 3200 a year for my 1g. allstate was 4k a year

jesus christ man! allstate quoted me $880/year with auto AND rentors insurance.

 

[na90dsm]

yea my honest advice. dont move to jersey

 

[bigbrothajake]

and the worst is if the guy crashes, injures himself for life, the insurance company has pay $800,000 in medical bills all because the guys seat broke off its rails and flew through the window with the guy in it? That would suck

Did you guys ever look at those seat brackets they sell for these cheap seats? The seatbelt bolts to the aftermarket rail, to a small tab that is booger welded to the thin bracket..OUCH, so sad, i know, cause i used to have one of these, and the sliders only 1/2 ass lock on 1 side, the other is a free slider, so get ready to slide all over the place during a crash

You guys should watch some of the FIA testing that goes on with real race seats, even hardcore seats get ####ed up, the impact is soooo huge

Other things like springs, most people ride around without getting hteir car aligned, especially now its ####ING SAD, you can get sleeve coilovers on ebay for $40!!!!!!!!!

WTF is wrong with america? I am in europe right now for a semester, and i came to realize how shity stuff is in america as far as aftermarket, there are NO rules, no regulations, people make all the shit they want as shitty as they want and people buy it.

These people buy these $40 coilover sleeves, slam their cars 3" with -4* camber and riding on bald tires on the belt, in the wet, and they want to be covered? #### THOSE GUYS, i cant stand cars like that, , they are endagering me as well


Here in europe all aftermarket products must pass TUV approval, so no garbage ever goes on cars, at least thats the plan

in america, I live in a town where there are tons of ricers, people riding on bump stops, cheap cheap cheap ass seats, aftermarket steering wheels not even made for the car, funny bar roll cages that will poke a hole in your head, just stupid shit, i would NEVER insure these people

Anyways, this is an extreme example of the kind of shit that is all over the country by the hundreds of thousands, so this is why insurance companies get anal, and so would i unfortunately

There are NO standards in our country, and this is why we are flooded with shity garbage chinese products that people buy cause its cheap..those are TRUE ricers

Truer words were never said. For that matter I have no junk on my car.
In addition I found that State Farm Ins. is a far company. They had me document my driving habits on 30 separate occasions in attempts to help me recognize what driving skills I needed to improve. I sucessfully completed their task. In agreement if I didn't get any moving violations or am at fault greater than 50% in an accident, they'd knock off $150 of my premium this year. I'm fully insured for $65.00 a month.

P.S. It helps that your dad owns the office building that rents to your ins. agent.

 

[mntalon_05]

I'm under my parents yet and on my old car (96 plymouth breeze) I paid 52 a month as the secondary driver. I still haven't gotten my talon insured since it's only been sitting in my shop and then at the place where it's getting built, but my dad called our company (farm bureau I think?) and it'll be around 65 I believe, both of those are full coverage quotes. That's with 1 speeding ticket on my record, and I haven't made the honor roll, haha. I think on my beater car that I'm the primary driver on, 1978 plymouth horizon, it's only like $22 but that's cuz it's an old piece and it just has the minimum required insurance for minnesota.

 

[BlueTalon95]

Its gotta be a state by state thing. Think about emissions. I'm in Cali, so I have to think about emissions a lot :thumbdown

My insurance co. (SafeCo) said. They'll cover whatever is smog legal in the performance category. When asked specifically, they said they would not cover a turbo kit for my NT if i crashed, caus its not smog legal and/or OEM. They said that any aftermarket "safety" features including seats would not be covered unless they were OEM. I've heard from other people that its not true, but thats what the co. says.

I remember hearing about some big lawsuit about an insurance co. covering a guy w/aftermarket parts. He crashed in an illegal street race and killed four people or something, and they wouldn't pay out. The family members of the deceased sued because the "racing" parts were insured, and the company knew he had them, and they should have alerted authorities that he had illegal parts, etc. You could be experiencing the fallout from that, maybe.

 

[4ged4G63]

insurance companies blow as$, I'd call them and tell them to f off, seriously, then I'd go somewhere else.

I went with some crap online company.

Esurance Auto Insurance - Online auto insurance quotes, comparisons, & car insurance resources.

paid my bill online, had insurance in about 15 minutes, my as$ didn't leave this chair from start to finish.

 

[FireyIce01]

Progressive has no guidelines for modified vehicles in Indiana like they do for Michigan. You could put a 1200HP blown 502 in it with straight pipes, and as long as you can get it to pass emissions and get it registered, you'd be fine.

On that note, Indiana doesn't have emissions laws, you can put any engine into any car, they don't care... At least, that was the way it was when I lived there in '97-'98 it could be different now, but I doubt it.

Here in europe all aftermarket products must pass TUV approval, so no garbage ever goes on cars, at least thats the plan

in america, I live in a town where there are tons of ricers, people riding on bump stops, cheap cheap cheap ass seats, aftermarket steering wheels not even made for the car, funny bar roll cages that will poke a hole in your head, just stupid shit, i would NEVER insure these people

Anyways, this is an extreme example of the kind of shit that is all over the country by the hundreds of thousands, so this is why insurance companies get anal, and so would i unfortunately

There are NO standards in our country, and this is why we are flooded with shity garbage chinese products that people buy cause its cheap..those are TRUE ricers

Actually... that's not totally true... if you want to drive a car on the street, everything in it must *technically* be DOT approved... this doesn't happen, and people can get away with selling crap because it's for *off-road* use only... But I totally agree with you... I bought a pair of bucket seats for my 'tona on eBay for $45 a piece (with shipping it cost me $235 for the pair) and I guarantee they aren't top quality seats, but even they have double locking sliders, and I didn't have front seats in my car, so they will do the trick til I can afford real seats (Corbeau's are about $850 a piece) The problem is lack of enforcement... and then if you had a bunch of stuff that isn't DOT legal on your car, would you really want more enforcement? So it's catch 22... If they enforce it, they piss off all the people that modify their car, spend tons of money that they most likely won't recoup from the tickets written, and still have people figure out how to circumvent the system... and if they don't enforce it you have hundreds of cars all over the place with crappy equipment on them getting into accidents all the time... I've noticed that in general, there's more enforcement when you're drawing more attention to yourself, via street racing and whatnot... *shrugs* but that had nothing to do with this thread...

I have friends that deal with the insurance companies on a daily basis, and they all hate Allstate... the company may treat it's subscribers ok, but I hear that it takes a lot to get them to pay out on accidents, etc... I haven't heard an opinion on progressive... I just signed up a couple months ago... and haven't had any problems yet... *shrugs* I guess I'll find out in time.

 

[99gst_racer]

you know what guys, hate to be a downer, but sometimes they have a point, and if i would have been them, i may have considered the same

Think about it this way, he had Tenzo seats( :thumbdown ) for example

Some of you guys tend to forget just why OEM design and construction is so important in cars. Most of you underestimate the impact of a collision or a crash.

If you got in a bad crash in those seats, your chance of survival goes to SHIT, you WILL die, those seats are pieces of shit when it comes to safety, construction and durability, they will fall apart instantly, snaping your neck, breaking your back and splitting your head open

I understand your point, but common.... I've been in a accident with this car and it's not unsafe. I dont know about your seats, but mine are double locking and if I thought the welds were unsafe, I would have had them re-welded. I dont really like Tenzo seats either, but I can assure you that they are atleast safe. Especially when used with a 3 or 4 point harness set-up. I stayed very well planted in my seat in my accident. I didnt even get a bruse.

Same thing with lowering springs, they are not oem grade quality, the car may be way to low, bottoming out on rough road, may cause you to lose control, etc...lots of variables

I'm using Eibach springs, w/ tokico shocks, an ingalls camber kit, and I get an alignment every spring. I did do my suspension correctly and safely w/o cutting corners.

In all honesty, I'm glad this happened. It was a good learning experience for me. And because of this, I allready switched to Allstate and I'm saving hundreds. None of my buddies liked Progressive when they had it and I never knew why. I guess I just had to find out the hard way.

 

[bob_green]

Does anyone know a good insur. company i am having a hard time. Allstate wanted almost 1200 every six months. thats just for a stock vehicle. also geicko wont cover me because i am in the army national guard. (good luck figuring out why) the only reason she gave me was because i would have a hard time filling a claim over seas. i told her i wasnt taking the car but that didnt matter. it is getting real confusing. if anyone knows a good company please tell me. oh ya i have one ticket as well. it was for ten over the speed limit so its not like its that big of a deal. thanks a lot

 

[psychlow]

Try www.progressive.com, then einsurance.com

Progressive.com will give you their rates and rates of other companies. Chances are you won't get a good rate with Progressive, but you can see what the market is like with other companies.