Join Date: Oct 2005
Location: Virginia Beach, VA
Bronco Info: 78 Bronco, 79 Bronco, 93 F150
Lifted Truck - Insurance Rant
Those with lifted trucks (over say 4"), who are you insured with and does your insurance company know about your lift?
Apparently I need to look for a new insurance company. This afternoon I walk into my agents office to make a payment and to inquire about getting additional coverage (audio/video, custom body work, tires/wheels, etc). Now my F150 is parked directly in front of their window, the lady takes my payment then asks what kind of coverage I'm looking for. Before I can say much she says, "how much lift is on your truck?" I replied, about 9" (figured I would keep quiet about the additional 3 in body lift). She then says, "ok, let me make a call". So she proceeds to call Progressive (who I am insured with and have been for the last 6 years), she tells whoever is on the other end about the lift, gives my policy number to them, says a few words and hangs up. Then she looks at me and says, Progressive will not insure a vehicle with more than 4" of lift and they have now noted my policy for non-renewal.
WTF... I have paid them $1800 per year for the last 6 years with no claims. The day I drove to their office 6 years ago to get a policy written the agent walked outside and did an inspection of the condition of the vehicle making notes as she went along. Returned inside and wrote up my policy. Back then the truck had 9" of lift and 40's on it. So, I asked her if she has another company that would insure it as is, she said "I don't know.." Well, would you mind checking around for me? She says, well like I said, I don't know of any other companies that would. As much as I tried to remain calm and maintain my composure I snapped back to her that the whole deal was pretty shitty and so was her services and walked out the door.
So, now Im on my own trying to find a company that will insure all of my trucks since all of them are lifted and running on 40's. I have tried several other speciality ins companies before but one condition holding me back is that they are not kept in a garage.
Suggestions anyone? And please don't reply with build a garage, as much as I want and need that, it is not an option right now.