Insuring your modified ranger... - Ranger-Forums - The Ultimate Ford Ranger Resource


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  #1  
Old 05-08-2008
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Insuring your modified ranger...

I am going to bring this back up again and see if anyone has got better answers this time.

I brought a thread like this up a few years back.

When I mean modified I mean lifted or lowered, a lot of suspension and drivetrain work.

So what insurance do you have and whats their take on your truck being modified.
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Old 05-08-2008
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i have progressive.

i told the guy when i called and he said its fine, they looked at it and said i was good to go.
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Old 05-08-2008
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I don't have any solid info but I do know Geico will add extra insurance to modified motorcycles, so why not modified trucks/cars
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Old 05-08-2008
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I have State Farm (have had all my life). I have them for vehicle, life, property, and personal insurance.

They had changed their policy in early '07 about NOT insuring any vehicles that were lifted (doesn't matter how much or if it is within state lift laws). They told me I had till June of '08 to either find new insrance, un-lift the truck, or get rid of it. They were dropping the insurance on my truck. I wasn't going to have insurance with 2 different companies becuase I get huge discounts for having multiple vehicles and multiple policies.

With all the research after that, I wasn't about to keep ANYTHING with State Farm. I called everywhere. Most insurance companies (Geico, Progressive, All-State, etc.) would only insure a vehicle that was lifted up to 4"; anything over they wouldn't. Farm Buearu was the only one that didn't really care.

I have since sold the Ranger, but I got the BII. Because it is over 15 years old, State Farm requires pictures of it. My agent knows it is lifted, but he wanted the first pictures I took of it; so the underwriters got the stock pictures
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Old 05-08-2008
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you sold your ranger? when did this happen?
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Old 05-08-2008
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Quote:
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you sold your ranger? when did this happen?
2-29-08 is when the guy picked it up.
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Old 05-08-2008
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I dont know but there was a topic somewhat recently on one of my colorado 4x4 forums and there were many people who had insurance on their vehicles. Even buggies can get insurance, I mean if you register a vehicle, it must have insurance right?

Ive even heard of guys ROLLING their vehicles on a trail and claiming it with success. apparently trails are county roads and are covered.

crazy eh?
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Old 05-08-2008
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not to tread jack but what would happen if you "forgot" to tell them it was modified, or just sorta toned down how modified it really was?
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Old 05-08-2008
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They could refuse to cover it leaving you up a shat creek.
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Old 05-08-2008
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i have progressive and they had someone come out and look mine over and i gave them a list of receipts for everything done to it , and i also have custom parts coverage that they offered on it for pretty cheap
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Old 05-08-2008
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Quote:
Originally Posted by lifted97ranger View Post
They could refuse to cover it leaving you up a shat creek.
oh, i got a few freinds that are doin that now. I figured it would be a bad idea.
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Old 05-08-2008
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if the mod didnt contribute to the claim, i dont see how they could deny it, ive never been asked for a picture or a mod list. not that my ranger would be of any concern.
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Old 05-08-2008
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Quote:
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if the mod didnt contribute to the claim, i dont see how they could deny it, ive never been asked for a picture or a mod list. not that my ranger would be of any concern.
If the mod violates the insurance's policies, then they can. Would you really want to fight an insurance company in court?
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Old 05-08-2008
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well i have a ? what insurance do i need for like my subs and speakers and head unit in my truck and any interior mod i have done. i have statefarm and only liablity on my truck. so what if someone breaks a window in my truck and steals my stuff. what do i have to do to get it covered?
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  #15  
Old 05-08-2008
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The way to get that covered with Liability only is to add comprehensive coverage to your insurance. Comprehensive coverage covers break ins, animal hits, storm damage, fire, and flood. I pay like $6 more a month for comp on each of my liability policies.
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Old 05-08-2008
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ok sweet thanks maurice so when i do lift my truck and paint it i will have to take pics to send to them so they can increase what my trucs worth or what
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  #17  
Old 05-08-2008
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If/when you lift your truck and you send them pictures, they will drop your truck's insurance. State Farm will NOT insure a lifted vehicle.

No the only reason I had to send them pictures is because my truck was over 15 years old. They wanted to make sure it wasn't a yard orniment.
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Old 05-08-2008
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I told them it was stock :]
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  #19  
Old 05-08-2008
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That works until you have a wreck.

State Farm knew my Ranger was highly modified. I had hit deer before and they had pictures of it. It was in early '07 when they changed their policy and any truck that was lifted and they knew it was dropped at the end of their current 6 month period.
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Old 05-08-2008
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so what should i do im on my parents insurance right now and i want to body lift and put 2 inch coils and shackles in the back for 2 inch of suspension lift.
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  #21  
Old 05-08-2008
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I had State Farm and was paying $235 a month for insurance on my 04 Ranger XLT 4 banger. After about a year I got tired of paying that much and shopped around and now pay $108 for full coverage at Farm Bureau.

MUCH cheaper and better service, they also pay out in claims faster too AND offer a discount for insuring a truck vs. a car.
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Old 05-08-2008
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Quote:
Originally Posted by TNRanger23 View Post
I had State Farm and was paying $235 a month for insurance on my 04 Ranger XLT 4 banger. After about a year I got tired of paying that much and shopped around and now pay $108 for full coverage at Farm Bureau.

MUCH cheaper and better service, they also pay out in claims faster too AND offer a discount for insuring a truck vs. a car.
thats interesting with the truck discount but what is their policy on modified vehicles and i think the statics show that less trucks are involved with accidents than cars.
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Old 05-08-2008
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i have aig..they do stuff like this, my father has them for everything, and not to thread jack but downey were u in wiliamsport earlier? i coulda sworn i seen ur truck, had a atv in the bed?
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Old 05-08-2008
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I have the Hartford, and all they require is a list of the modifications that I want insured. They will pay for the damages to the truck themselves, but at an extra cost also cover the modifications in the event of an accident. Since my truck is pretty much stock, I don't have to worry about it.
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  #25  
Old 05-08-2008
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if all you have is a body lift that is cheap...

what i am talking about is something like my truck, basically nothing original, no abs, lifted 12+ inches etc...

I have a ton of money in my truck, if i wreck it id like to get some of it back if possible.
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