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What car insurance & premium?

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Old Nov 19, 2009 | 01:53 PM
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Default What car insurance & premium?

What car insurance company do you use and what is your premium? I'm looking to go on my own insurance and don't wanna get raped. I want a company that insures modified cars (looked at online quotes and only a few listed this.) Nothing huge, just wheels, exhaust, stereo mods down the road etc. So far i've been quoted from around $90/m to $150/m. This would only be for the SC400 at the moment since the Camry's off the road.

25yo male, 1 not at fault accident, no tickets, 8yrs driving.
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Old Nov 19, 2009 | 04:09 PM
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There is going to be a huge variance in potential answers, as it depends on more than just the insurance company and car. Other factors include where you live, your credit rating, etc, which can get rather personal.
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Old Nov 19, 2009 | 06:19 PM
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i got statefarm switched from allstate...it was like 400 difference with better premium coverage...just call and ask different companies...
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Old Nov 19, 2009 | 07:57 PM
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Ordinarily I would say GEICO (generally the lowest premiums, round-the-clock service any time of the day or night, accident-at-fault forgiveness on the first claim, many discounts available for vehicle safety equipment and other factors).

A number of insurance companies SAY, in ads, that they offer the lowest rates. Unlike most companies, GEICO usually backs that up and DOES, especially if you have a clean driving record....although not always.

In your case, though, I'm not sure they do modified cars. You can give them a call and ask....they might for an added premium.

1-800-841-3000

Last edited by mmarshall; Nov 19, 2009 at 08:08 PM.
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Old Nov 19, 2009 | 09:24 PM
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Originally Posted by mmarshall
Ordinarily I would say GEICO (generally the lowest premiums, round-the-clock service any time of the day or night, accident-at-fault forgiveness on the first claim, many discounts available for vehicle safety equipment and other factors).

A number of insurance companies SAY, in ads, that they offer the lowest rates. Unlike most companies, GEICO usually backs that up and DOES, especially if you have a clean driving record....although not always.

In your case, though, I'm not sure they do modified cars. You can give them a call and ask....they might for an added premium.

1-800-841-3000
I believe GEICO insures modified vehicles: I got a quote from them two weeks ago and there was an option for "special equipment", which I assume applies to aftermarket parts, not OEM chrome wheels and gold emblem packages.
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Old Nov 19, 2009 | 09:30 PM
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statefarm here
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Old Nov 20, 2009 | 06:41 AM
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I'm on State Farm and pay an average (it varies slightly) of $38/mo for full coverage on a 2000 BMW 323i. I'm 31, no at-fault accidents in 12 years, no tickets that stuck, but one very large claim for damages inflicted by an auto thief (wrecked the entire left side of the car and the driveline).

My car isn't modified, but I'm pretty sure they offer riders for non-factory parts.
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