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BMW 3-Series (E90 E92) Forum
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Insuring Mods
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09-06-2012, 02:54 PM | #1 |
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Insuring Mods
Just an FYI for anyone who does not have their mods included in their insurance policy. I just updated my policy with Geico to cover my recently added mods, the total to cover all my mods on a six month policy is only $58.10. If you dont have this, you might want to call your insurance company and see if they have it available.
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09-06-2012, 03:21 PM | #2 |
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That's not bad, it's only less than $10 a month. Thanks...now I have an idea how much it will cost me to insure my mods. I've been planning to do this because insurance will only replace OEM parts.
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09-06-2012, 03:47 PM | #4 |
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I have USAA ..called them to add my spoiler on my policy they told me I was already covered for $5,000 worth of mods. Anything thats on my car is automatically covered. That was news to me. Over 5k I'd have to call and add it to my policy.
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09-06-2012, 04:12 PM | #5 |
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Like a good neighbor, State Farm is there.
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09-06-2012, 05:04 PM | #6 |
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Didn't know USAA does this. Pretty awesome. Thanks.
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09-06-2012, 05:44 PM | #8 |
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I wonder if Progressive does this...
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09-06-2012, 07:25 PM | #10 | |
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09-06-2012, 07:34 PM | #11 |
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Not true, I had almost 20k in performance mods on my Audi and it never went up, in fact I told them I used my car in a performance driving school and they took an extra $15 a month off. You can call Geico and they will verify that.
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09-06-2012, 07:36 PM | #12 | |
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09-06-2012, 07:51 PM | #13 |
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I'll pass.
If someone steals my wheels...insurance would replace the OEM 19's + tires which will probably run about $5,000+ based on quotes from my dealership. I always ask for a check...so I would profit pretty nicely. ^^So yea...the day I see my wheels stolen I won't even sweat it. They can take the 18" Forgestars lol |
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09-06-2012, 08:04 PM | #14 | |
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Sorry about your friend's car. Luckily none of my mods were damaged so I didn't have to deal with insurance to replace them. Instead, I got new ones with some of the money But my car's still not out of the body shop, and that was June
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09-06-2012, 08:08 PM | #15 |
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Wow, sorry to hear that! Where did you take it to?
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09-06-2012, 08:12 PM | #16 |
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Trade Secret in Plano. The owner is a really nice guy, but the whole process has taken about 5 weeks too long, in my opinion. It will be 9 weeks on Tuesday (and that's counting from when they started working on the car, not from when they ordered parts etc).
I finally told them that I'll be picking it up next week, whether it's finished or not. I've got shit to do. lol
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09-06-2012, 08:45 PM | #17 | |
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09-06-2012, 09:04 PM | #18 |
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You're not the first person I've heard good things from about Details. I'll definitely check them out for future work
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09-06-2012, 09:12 PM | #19 | |
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09-06-2012, 11:56 PM | #21 | |
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State farm does not raise your rates due to performance mods. The only time you may see a rate change is when you completely change the value of your car, such as swapping a Lamborghini motor into a Volkswagen. |
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09-07-2012, 12:50 PM | #22 | |
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Allstate told me the same thing. Anything I can provide receipts/proof of purchase for (parts and install) would be covered.
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