Insurance BS

How can I lower my truck and still get insurance from statefarm? They told me any suspension mods and they won't insure it...

Anything that is 100% approved to use?

I could just not tell them but I don't want to end up in jail the next month cause I hit some old lady and they say it was because of my illegal mods so my insurance won't cover me.. Or my truck being crushed... (The new policy in Ontario - caught street racing - car gets crushed)

Zac

My insurance company dont know I have air ride and ive been driving for over a year, i know if i do tell them it will sky rocket

not sure how insurance works up there in Canada, but in the US, Liability is the minimum insurance policy allowed. this is so that if you hit someone, the person hit is covered, but not you. so if you hit someone, all that's out of luck is you

that's all i have on my truck. since it's old anyway and the air ride really won't be covered with your insurance unless you tell them, which half of them, like you are saying, will not insure you. custom car insurance will though, and it's expensive. all the rodders use that.

honestly anything under 2000 in value i would not even bother putting any type of insurance other than liability. because if you get hit or you hit someone, mostlikely deal is the car/truck will get totalled out since it's not worth all that much and will cost more to fix. so being a young driver and paying 1000-2000+ a year on full coverage on a 2000 dollar mazda pickup just doesnt make sense.

but it seems like laws are pretty strict up there, so you may want to check on that first. like how accidents are taken care of, etc.

same way with cell phone insurence...pay what like 5-10 a month on it? well thats and average of 7.50. 7.50 X 12 months is $90 on a free phone...odd but people do it haha

my insurance company told me that I have to submit to them what I will be doing and how it will be done. Then it gets sent to processing and if they like it, they will approve it. The guy wasnt supposed to tell me this but, he said that if you lower your truck with airbags, you are almost guarenteed to be covered for liability, only thing to insure your truck is they have to have it inspected by the state patrol to make sure its all good, then they will insure the truck but not your air ride. If you want the air ride insured, they have to appraise it and it will cost more.

He also told me that if I planned on lifting my old 4x4, most likely they would turn me down. Statisticly, people driving in modified 4x4 get in more accidents then people in lowered cars and trucks.

Just call your insurance company and tell them you were planning on modifying your suspension and you wanted to see what how they went about insuring it, they dont have to know if you do it, but it is a good idea to find out what they do.

on the cell phone thing, you would not believe how helpfull that has been for my uncle. He has replaced his phone 4 times in one month.
1. fell off his belt while riding on a motorcycle
2. leaned over to look at his coffee and it dropped right in a fried it
3. just up and lost it
4. was putting air in his tire, got into his car, backed up over a little bump, he didnt think anything of it, got to his job to discover he left his phone at home, when he got home, he found the crushed remains of his phone in the driveway.
some people have bad luck with things
-Mike

like if you notch your frame and such, some will turn you down cause thats altered suspension

I agree with Mark there is no point in getting full coverage on your vehicle unless it is a bad ass show quality ride.

Slammed83 is right too. In the state of Ga any suspension mod that raises your truck or drops it 3 inches is illegal. Is it really that enforced? No. Not unless the cops really feel like raping you.

I seriously doubt that any company is really gonna fork out money to repair a bagged truck. Thats what great about minitruckin though. Go grab another bed or frame or whatever and fix it.

Just dont tell your Insurance company, unless you can get a VI certificate, i think it is...which will allow you to pass safety and be insured with it.

shoot 9/10 cops that have seen me draggin gave me the big smile or a thumbs up mainly because there isnt a big mini truck scene up here.

I got 3 cops in my neighboorhood and ive took them all draggin at night and they absolutely loved it

HAVOC is in KY they said on ssm legal draggin thats right no po po legal dragging.