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Discussion Starter #1
So I went to pay my auto insurance on my 2010 and was told that I had to call them about my policy.

I called them and got transferred to my respective department. Then was told they could no longer insure me. Keep in mind now haven't had a ticket in over a year and no accidents in over 3 years so that's a non issue.

This is the best excuse for not continuing insurance. "Sir since you have a aftermarket exhaust we can't insure your vertical anymore ".

This is mainly funny because they have had insurance on this car for over a year knowing the exhaust was on there. (I put it on the inspection chat when I had it inspected for the insurance to be instated) now it is all the sudden a problem even though I have had insurance and no problems.

Do you guys have any suggestions for this on what I should do? Anybody experienced this before?
 

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Discussion Starter #5
They pre approved it and now don't want to insure it. And yeah no shit get a new one but was asking if any one else has here of our delt with this? Not like I have a built motor or anything...
 

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No, you did ask for suggestions on what to do :lol:
But no I've never heard of that, but a lot of aftermarket parts can technically be considered illegal. I'm assuming they've lost some claim, or several, secondary to technicalities and or legalities of vehicles the've insured with aftermarket parts. It's the only logical explanation of why the benefit of your business doesn't out weigh the liability.
 

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Progressive is cool with custom parts, they even have a section that says "custom parts" which you can insure all your aftermarket parts for as long as you have the receipts.
 

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Wow, looks like I need to shop for a new company. Had no idea they'd drop you for aftermarket parts. They'd have a cardiac fit if they knew I was catless.
 

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Go on the assumption that since they cannot insure you now, you were not being covered last year and thus should get a refund.

Just a thought,

Djee
 

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Discussion Starter #10
Re: Re: GEICO canceled my insurance...

Go on the assumption that since they cannot insure you now, you were not being covered last year and thus should get a refund.

Just a thought,

Djee
Yeah that's what I was thinking... Going to give it a shot and see what I can do. I think progressive is where I'm going they are cool with aftermarket parts and all... I'll post up with a update
 

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Progressive is cool with custom parts, they even have a section that says "custom parts" which you can insure all your aftermarket parts for as long as you have the receipts.
Exactly. I have all of my aftermarket parts covered with them.
 

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Go on the assumption that since they cannot insure you now, you were not being covered last year and thus should get a refund.

Just a thought,

Djee
^ I've believe no insurance company will do that. They will state that we honored coverage until your expiration or cancel date. I work for a large insurance company so I know how they mostly work. Every now and then underwriting will get assigned to review "high risk" policies that will not only look at driving record but also vehicles that are labeled high risk due to performance capabilities and likelihood of performance modification. Our own contract states that we do not cover vehicles that have been modified for performance. We do have special policies for these types of cars but it cannot really be a daily driver type of vehicle. I don't do claims but I always think to myself can they deny a claim or even my claim due to just a street legal intake installed. This is why I don't tell my insurance co about my modifications and I pray I have no accidents.
 

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That's weird. When I signed up with Geico they even had options for covering aftermarket parts on the car. It was a tiered selection, but coverage nonetheless.
 

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^ I've believe no insurance company will do that. They will state that we honored coverage until your expiration or cancel date. I work for a large insurance company so I know how they mostly work. Every now and then underwriting will get assigned to review "high risk" policies that will not only look at driving record but also vehicles that are labeled high risk due to performance capabilities and likelihood of performance modification. Our own contract states that we do not cover vehicles that have been modified for performance. We do have special policies for these types of cars but it cannot really be a daily driver type of vehicle. I don't do claims but I always think to myself can they deny a claim or even my claim due to just a street legal intake installed. This is why I don't tell my insurance co about my modifications and I pray I have no accidents.
If what you're saying is true then do you recommend liability only insurance? You kind of left this open ended statement and no concrete facts. You should make sure what you're saying is true before you miss lead people. You just got me thinking I'm wasting away money every month on full coverage insurance for nothing. Maybe you can ask some colleagues in the office how this works. Much appreciated. Your second sentence I agree and my agent has explained this to me about the STI exactly how you stated it. I've just never really brought up the mods with him.
 

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Progressive is OK. I would shop around first. Progressive spends a lot of their customers money on political interests. I think it's a slap in the face to their customers to send so much of their money into the corrupt political nonsense, but that's just my opinion.
If you are in the military, or if you have family in the military, see if you can get USAA. If not, shop around.
On a side note, buy a cheap used stock honda civic. Then insure it with GEICO and rear end a Lamborghini. Screw Geico.
 

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USAA best insurance company ever! I have a 1 million dollar coverage policy. Me and the subaru travel alot.


Sent from my iPad using Tapatalk HD
 

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You can also go with Liberty Mutual or State Farm. Both will cover aftermarket parts/performance mods, with LM actually adding a dollar amount to the policy (I love this!) and SF stating that they'll evaluate the loss as it occurs. Agents of both companies recommended I document stuff on the car with photos and receipts.
 

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Discussion Starter #19
We thank you for all your responses. I tried progressive and they wanted 300 s month after worrying me 200. Still shopping around though will keep you posted.
 

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Be aware that if you declare your mods one of 2 things will happen:

A) They will flag you and refuse to cover you car.

B) They will let you know that you can insure your mods, but be prepared to be butt-raped by drastically increased premiums.

I'm with AllState. Their adjuster would look at the list of mods sideways and find the biggest red X stamp he could find if I ever stated what was on my car. :lol:
 
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