GS - 2nd Gen (1998-2005) Discussion about the second generation GS300, GS400 and GS430 (1998 - 2005)

Insurance for our mods. who has it?

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Old 10-09-07, 11:41 PM
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cheap300
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Default Insurance for our mods. who has it?

Starting to notice I have more in the car then the insurance company would pay if it were totaled. Who has insurance that pays for your mods as well as the car? How much more a year is it? Whos your insurance company? THANKS
Old 10-10-07, 04:29 AM
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dentpusher
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I carry extra insurance for my wheels since they can be costly to replace if stolen. Cost me about 2 bucks a month through American Family for an extra $2200.00 in coverage.

To cover your car for what its worth with all the add ons you would need a appraisal to get the coverage you want. I have had friends that do it. It can be a pain but a nice thing to have in the event of a accident or stolen vehicle.
Old 10-10-07, 05:41 AM
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Rock-a-Lex
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Originally Posted by dentpusher
I carry extra insurance for my wheels since they can be costly to replace if stolen. Cost me about 2 bucks a month through American Family for an extra $2200.00 in coverage.

To cover your car for what its worth with all the add ons you would need a appraisal to get the coverage you want. I have had friends that do it. It can be a pain but a nice thing to have in the event of a accident or stolen vehicle.
Same here! I have Geico Insurance and my wheel/tire setup was also around $2200. I got them insured and I think it costed me an extra $70/year in premiums. Good for piece of mind...
Old 10-10-07, 06:56 AM
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MurdaInc
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YEa most insurance co. have aftermarket coverage..just have to have full coverage comp & collision.. and u set a range on how much ur after market parts are worth and pay a rate on what u claim it is...
Old 10-10-07, 08:44 AM
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allstate!! 2500 on wheels 1500 on electronics. extra 90 bucks a year!!! a small price to pay to keep our babies safe!!!!lol
Old 10-10-07, 08:48 AM
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do you have to show proof of how much your rims cost?
Old 10-10-07, 08:51 AM
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TYPEII
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Same here, gotta have the extra coverage...The insurance company will try to screw you, but getting a little over half of what your mods cost is better than nothing...
Old 10-10-07, 08:52 AM
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DJ TANTRA
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I never even knew there was additional coverage available for mods..

interesting!
Old 10-11-07, 11:32 PM
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L3XOTIC
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My State Farm for rims($3000) was about $68bucks more yearly. Worth it. And yes they asked for proof but it can be from any company that sells the wheels. So you can essentially get an expensive quote but its not worth it cause youll pay more unless you want more incase your car is totaled or rims stolen...
Old 10-11-07, 11:48 PM
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got 15k extra on my ride, costs me under 200 extra per year.
Old 10-12-07, 12:49 AM
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Lexus GS3
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I have Wawanesa Insurance..

$3700 coverage for wheels/tires
$3000 coverage for sound system
$2500 coverage for my wald kit/JP spoiler/JP tails

all for $89 bucks extra for a year on top of my full coverage premium. Well worth it for piece of mind.

They sent out an appraisal agent to my house and took pictures, write down every aftermarket mods in full descriptions.

Tommy
Old 10-12-07, 02:01 AM
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lexusondubs
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Originally Posted by Lexus GS3
I have Wawanesa Insurance..

$3700 coverage for wheels/tires
$3000 coverage for sound system
$2500 coverage for my wald kit/JP spoiler/JP tails

all for $89 bucks extra for a year on top of my full coverage premium. Well worth it for piece of mind.

They sent out an appraisal agent to my house and took pictures, write down every aftermarket mods in full descriptions.

Tommy
wow thats good !!
Old 10-12-07, 10:35 AM
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PushinLEX
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good to know. thanks guys
Old 10-12-07, 11:21 AM
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movinquick
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Originally Posted by Rock-a-Lex
Same here! I have Geico Insurance and my wheel/tire setup was also around $2200. I got them insured and I think it costed me an extra $70/year in premiums. Good for piece of mind...
now if your rims get stolen, will they give you $2200 or a portion based on your rim's ... based on what? i have usaa gov't ins. i wonder if they'll cover it.
Old 10-12-07, 12:34 PM
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Esurance was Hight like 2000 extra a year ... I don't think thats a good deal
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