lifted truck insurance - Ranger-Forums - The Ultimate Ford Ranger Resource


General Ford Ranger Discussion General discussion of the Ford Ranger that does not fit in any other sub-forum.

Reply
 
LinkBack Thread Tools Search this Thread
  #1  
Old 04-24-2009
RangerNewf's Avatar
Member
Thread Starter
 
Join Date: Nov 2008
Location: Kingston, ON
Posts: 26
lifted truck insurance

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.
Reply With Quote
  #2  
Old 04-24-2009
Member
iTrader: (2)
 
Join Date: Sep 2008
Location: Sumter, SC
Posts: 633
I have USAA and they don't insure radar detectors and liquor. That's about it. And they're super cheap.
Reply With Quote
  #3  
Old 04-24-2009
shadow905's Avatar
Member
iTrader: (10)
 
Join Date: May 2006
Location: Boerne, TX
Posts: 1,997
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
Reply With Quote
  #4  
Old 04-24-2009
Brian's Avatar
Member
 
Join Date: Nov 2008
Location: Saint Louis, MO
Posts: 148
yea all mine wanted to know was the VIN #
Reply With Quote
  #5  
Old 04-24-2009
03bamaGT's Avatar
Member
 
Join Date: Aug 2006
Location: B'ham, AL
Posts: 1,752
Hmm...I have never been asked anything about my car.

FordGuy302's truck is lifted and they haven't said anything.
Reply With Quote
  #6  
Old 04-24-2009
RangerNewf's Avatar
Member
Thread Starter
 
Join Date: Nov 2008
Location: Kingston, ON
Posts: 26
So just lift it and say UP YOURS statefarm?
Sounds good to me.
Reply With Quote
  #7  
Old 04-24-2009
DillonT's Avatar
Member
 
Join Date: Feb 2008
Location: Connecticut
Posts: 352
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)
Reply With Quote
  #8  
Old 04-24-2009
kymudder08's Avatar
Member
 
Join Date: Apr 2009
Location: Owensboro, KY
Posts: 838
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."
Reply With Quote
  #9  
Old 04-24-2009
Machine090767's Avatar
RF Veteran
 
Join Date: May 2006
Location: Minnesota
Posts: 6,410
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....
Reply With Quote
  #10  
Old 04-24-2009
RangerNewf's Avatar
Member
Thread Starter
 
Join Date: Nov 2008
Location: Kingston, ON
Posts: 26
Note to self: Always carry stock tires and tools at all times. The old bait and switch. lol
Reply With Quote
  #11  
Old 04-24-2009
Ace's Avatar
Ace Ace is offline
Member
iTrader: (4)
 
Join Date: Aug 2007
Location: Central, Illinois
Posts: 3,448
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
Reply With Quote
  #12  
Old 04-24-2009
robert99ranger's Avatar
RF Veteran
iTrader: (4)
 
Join Date: Aug 2007
Location: Indiana/Mississippi
Posts: 5,807
I have State Farm. My truck is lifted and no one cares. Do they inspect your vehicle or something?
Reply With Quote
  #13  
Old 04-24-2009
seed60's Avatar
RF Veteran
iTrader: (15)
 
Join Date: Jun 2008
Location: Mooresville, NC
Posts: 5,584
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.
Reply With Quote
  #14  
Old 04-24-2009
Member
 
Join Date: Jul 2007
Location: Los Angeles, CA
Posts: 255
I've got StateFarm and they haven't dropped me. But, they don't know my truck is lifted.
Reply With Quote
  #15  
Old 04-24-2009
kymudder08's Avatar
Member
 
Join Date: Apr 2009
Location: Owensboro, KY
Posts: 838
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.
Reply With Quote
  #16  
Old 04-24-2009
country346's Avatar
Member
 
Join Date: Apr 2007
Location: East , Texas
Posts: 459
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 .
Reply With Quote
  #17  
Old 04-24-2009
Member
 
Join Date: Oct 2004
Location: ***
Posts: 2,099
I was payin about 600 a year for my lifted 93, never once had allstate ask me about any modifications I had on it
Reply With Quote
  #18  
Old 04-24-2009
DisturbedESV's Avatar
Member
 
Join Date: Apr 2008
Location: Seattle, WA
Posts: 3,115
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.
Reply With Quote
  #19  
Old 04-24-2009
Jimmeh's Avatar
Member
iTrader: (1)
 
Join Date: Dec 2007
Location: Columbia Falls, MT
Posts: 3,224
Quote:
Originally Posted by kymudder08 View Post
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 pay about $1100 every 6 months. $1600 a year would be nice, lol.
Reply With Quote
  #20  
Old 04-24-2009
Smakes's Avatar
Member
iTrader: (5)
 
Join Date: Nov 2008
Location: nowhere
Posts: 235
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
Reply With Quote
  #21  
Old 04-24-2009
k.blakeley's Avatar
Member
 
Join Date: Apr 2007
Location: East Texas
Posts: 2,823
If they ask always say its stock
Reply With Quote
  #22  
Old 04-24-2009
Level III Supporter
iTrader: (2)
 
Join Date: Jun 2004
Location: usa
Posts: 24,936
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
Reply With Quote
  #23  
Old 04-24-2009
Level III Supporter
iTrader: (2)
 
Join Date: Jun 2004
Location: usa
Posts: 24,936
Quote:
Originally Posted by Smakes View Post
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
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..
Reply With Quote
  #24  
Old 04-24-2009
zabeard's Avatar
who?
iTrader: (8)
 
Join Date: Nov 2004
Location: IN
Posts: 26,045
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.
Reply With Quote
  #25  
Old 04-24-2009
08XLT4x4's Avatar
Member
iTrader: (7)
 
Join Date: Mar 2008
Location: bomba shack
Posts: 3,257
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.
Reply With Quote
Reply

Related Topics
Thread Thread Starter Forum Replies Last Post
Canadian Insurance: for lifted Trucks Ranger928 General Ford Ranger Discussion 33 12-12-2008 06:13 PM


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



All times are GMT -6. The time now is 06:50 PM.


We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.