Insurance

BLACKBULLET69 · 10-19-2009, 10:41 PM

Just quick question which u all may think is dumb, but when u did the swap to a v8 did u keep the insurance as the original motor, or did u tell them it was an 8 cylinder?

SH-60B · 10-19-2009, 10:54 PM

I left it as the original motor.

BLACKBULLET69 · 10-20-2009, 07:39 AM

ok. thankyou

andysutt · 10-20-2009, 08:11 AM

Unless your getting full coverage insurance that also pays for your modifications, then I wouldn't bother telling them.

It might be illegal, but who's checking?

BLACKBULLET69 · 10-20-2009, 08:35 AM

Ya im not gettin full coverage im only 16 i need things to stay cheap. I had a 4 cyl. in it be4 the 350 so it sould be pretty cheap on insurance. Thanks

The Griff · 10-20-2009, 08:59 AM

I've got full coverage & my agent never asked me what I've done to it. When my motor caught fire I just sent him pictures, told him what I needed to fix it & he cut me a check.

BLACKBULLET69 · 10-20-2009, 09:01 AM

i cant afford full coverage

The Griff · 10-20-2009, 09:03 AM

I'm just saying.

BLACKBULLET69 · 10-20-2009, 09:14 AM

well thanks for the advice.

andysutt · 10-20-2009, 09:25 AM

You just told him how much you needed and got it? No estimates or anything?

BLACKBULLET69 · 10-20-2009, 09:27 AM

That does sound a little weird

emann_01 · 10-20-2009, 09:38 AM

I think a lot of has to do with how much you have into your truck...when mine is done it will definately have full coverage with every modification noted.

The Griff · 10-20-2009, 09:44 AM

Quote: Originally Posted by andysutt

You just told him how much you needed and got it? No estimates or anything?

Yep.

andysutt · 10-20-2009, 11:35 AM

Quote: Originally Posted by The Griff

Yep.

Do you know the guy?

Your lucky otherwise.

The Griff · 10-20-2009, 11:38 AM

Quote: Originally Posted by andysutt

Do you know the guy?

Your lucky otherwise.

Just my insurance agent, has been for over 20 years, I showed him a picture, told him about what I would need to fix it, and they sent me a check.

andysutt · 10-20-2009, 11:39 AM

Ahh, being with the same guy for 20 years sure does help.

Still lucky, and glad it worked out. Not a lot of insurance people are that nice

Crew Cab Sonoma · 10-20-2009, 11:40 AM

full coverage on my truck isnt much more expensive
than just liability. i keep the collision/comprehensive
because the cost savings just arent enough to
justify dropping it...
same with my wife's 05 Equinox...

The Griff · 10-20-2009, 11:42 AM

Quote: Originally Posted by Crew Cab Sonoma

full coverage on my truck isnt much more expensive
than just liability. i keep the collision/comprehensive
because the cost savings just arent enough to
justify dropping it...
same with my wife's 05 Equinox...

O_o You don't have a v8 homeslice.

carter · 10-20-2009, 12:27 PM

i have full coverage...i want every penny back when it gets stolen or set on fire lol

carter · 10-20-2009, 12:28 PM

...not that I'D set it on fire...

lee-mill · 10-20-2009, 12:38 PM

Quote: Originally Posted by carter

i have full coverage...i want every penny back when it gets stolen or set on fire lol

ahahaahhaha every penny. youll get book value if your lucky. some insurance companies go by the market, basicly they look for 3 cars like yours that are for sale and average them. so if they find 2 for 500 and one for 2000 then your only getting $1000

carter · 10-20-2009, 12:43 PM

not with a long list of receipts

thats what they told me anyway

andysutt · 10-20-2009, 12:45 PM

Even with a long list of receipts you have to have the extra insurance, not just your basic full coverage

carter · 10-20-2009, 12:47 PM

that is what i have LOL $100 a month...why not? reg insurance was like $75 a month

lee-mill · 10-20-2009, 12:52 PM

i wish i only paid a 100 a month. lol

carter · 10-20-2009, 12:55 PM

im with State Farm and they told me they can only ding me once for the one ticket i have and only ding me once for being under 25...so i pay $200 a month for my JDM Subaru WX and $114 for my truck fully covered. I'd look into that if you have 2 vehicles, they also have a multi vehicle discount or something. I almost shit myself when she told me that, i was paying almost $400 a month with my last company (wawanessa...they suck dick...meeeeaaan dick)

andysutt · 10-21-2009, 07:23 AM

I pay less than $50 for liability on the suburban.

When I had the Sonoma, the Safari and the Taurus it was only $85

Crew Cab Sonoma · 10-21-2009, 08:31 AM

Quote: Originally Posted by The Griff

O_o You don't have a v8 homeslice.

well, not yet i dont. does it really matter? regardless, it doesnt
sound like many here are informing their ins. agent about
their V8 swaps...

The Griff · 10-21-2009, 08:33 AM

Well, it's in the V8 section, but I guess no one really paid attention to that fact.

Crew Cab Sonoma · 10-21-2009, 09:47 AM

fully aware of which section its in.
havent you posted in the 4.3 section before???

my point was, that some were complaining about
the cost of full coverage.
i would be tempted to drop it too, if the the savings in
premiums was enough. in my case, it isnt...

The Griff · 10-21-2009, 10:11 AM

Quote: Originally Posted by Crew Cab Sonoma

fully aware of which section its in.
havent you posted in the 4.3 section before???

my point was, that some were complaining about
the cost of full coverage.
i would be tempted to drop it too, if the the savings in
premiums was enough. in my case, it isnt...

jesus christ, just drop it, the initial question was what the V8 guys were doing as far as insurance goes. Nothing else.

Crew Cab Sonoma · 10-21-2009, 03:56 PM

why dont YOU drop it... i simply had a remark to make, then here you
come with your little attitude.
youre the one going into an estrogen-fueled tirade, making a big stink out of nothing....

time for some Midol there, "HOMESLICE"....

emann_01 · 10-21-2009, 09:31 PM

haha....ah yes! love me some internet tough guy contest!!!!!!

SH-60B · 10-21-2009, 09:42 PM

You guys done now? LOL. Hey BLACKBULLET, after reading thru some of the other responses I remembered that I only had liability on it too. The way i saw it was, it was older and a very common truck. If someone hit me then their ins. would give me something, maybe enough to get a decent replacement that I could then swap all my V8 stuff into after "buying" the truck back from the ins. company. If I crashed it, of course my ins. would pay the other guy, and I'm sure I could find another non-running truck to swap my stuff into pretty cheaply, maybe not even an S10.
I didn't tell them it was an eight cylinder because it might open a can of worms is all. I was much more concerned about the emissions than the insurance.

S15vortecpwr · 10-21-2009, 09:48 PM

i asked my state farm agent when i bought my 01 about a v8 swap. he said they go by vin number and it will show it has a 4cyl in it so unless i wanted extra ins it would be the same. i pay 300 a year for the 01 and 200 for the 94. I only pay 350 fo rmy WS6. all have liability. my vehicles are too common to spend the extra money, plus i know the owner of one of the best bodyshops in town. i work for him.

mr spree · 10-22-2009, 01:07 AM

according to WA its a violation to federal and state law to put a motor in something that doesnt come like that factory...
but who cares, ive got a 6.0l from a silverado in my s10 now

BLACKBULLET69 · 10-22-2009, 07:46 AM

well thanks alot, i really apreciate everyone's comments. Thankyou

carter · 10-22-2009, 03:41 PM

Quote: Originally Posted by mr spree

according to WA its a violation to federal and state law to put a motor in something that doesnt come like that factory...
but who cares, ive got a 6.0l from a silverado in my s10 now

how do you like the 6.0L? i found one at a wrecker for $1000 with 80 000km's...i was thinking of grabbing it. My vortec 5.7 is ok, but not very impressive, plus the 6.0L swap sits alot nicer in our s10's

emann_01 · 10-22-2009, 07:55 PM

so I talked to my State Farm agent and he told me that State Farm is no longer covering modified vehicle

apparently they go by the VIN and thats it! you cannot add anything more than full coverage

bcpd_03 · 11-02-2009, 09:10 PM

Quote: Originally Posted by Crew Cab Sonoma

well, not yet i dont. does it really matter? regardless, it doesnt
sound like many here are informing their ins. agent about
their V8 swaps...

Nope, most of your insurance agents cant change a wiper blad, more less tell the diference in a 4.3 and a 5.7.

Crew Cab Sonoma · 11-03-2009, 04:44 PM

thats quite true.
but an increasing number of companies would be willing to
"drop" you for informing them of such modifications,
and even more would try to use it as an excuse to not pay
up and/or drop you if they found out after a claim.

even if your local agent doesnt care, the company might
decide youre an "unacceptable risk"...

cooljoe900 · 11-04-2009, 10:51 AM

It depends on if you use your truck of a dd because American collectors will insure vehicles over 15 years old. There is a milage limit and other stipulations but more the most part it's not bad. I pay 200 a year for my 94 ss and that's full coverage. Im going to add my 83 Monte ss next year and it will be about 300 for both. Just something to look into.

Performin Norman · 11-04-2009, 12:09 PM

I'm not planning on telling my agent when I complete the swap. He's kind of an idiot and I try not to deal with him. Oh, I'm my own agent. LOL

Ok, here's the deal. Insurance companies go by VIN and will not know anything about added value unless you bring it to their attention. If you just have liability and don't care about comp and coll coverages, just don't say anything. If you want the added value to be covered, you definitely have to contact your agent as the policy states that it only covers the vehicle for OEM parts and value. If you ask the agent to endorse the policy for customizations, you will have your bases covered.

10-19-2009, 10:41 PM	#1
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Insurance Just quick question which u all may think is dumb, but when u did the swap to a v8 did u keep the insurance as the original motor, or did u tell them it was an 8 cylinder?
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10-19-2009, 10:54 PM	#2
SH-60B Registered Neanderthal Join Date: Nov 2007 Posts: 2,735 Location: Meriden/CT/USA User is: OffLine	Re: Insurance I left it as the original motor.
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10-20-2009, 07:39 AM	#3
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Re: Insurance ok. thankyou
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10-20-2009, 08:11 AM	#4
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance Unless your getting full coverage insurance that also pays for your modifications, then I wouldn't bother telling them. It might be illegal, but who's checking?
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10-20-2009, 08:35 AM	#5
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Re: Insurance Ya im not gettin full coverage im only 16 i need things to stay cheap. I had a 4 cyl. in it be4 the 350 so it sould be pretty cheap on insurance. Thanks
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10-20-2009, 08:59 AM	#6
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance I've got full coverage & my agent never asked me what I've done to it. When my motor caught fire I just sent him pictures, told him what I needed to fix it & he cut me a check.
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10-20-2009, 09:01 AM	#7
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Re: Insurance i cant afford full coverage
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10-20-2009, 09:03 AM	#8
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance I'm just saying.
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10-20-2009, 09:14 AM	#9
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Re: Insurance well thanks for the advice.
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10-20-2009, 09:25 AM	#10
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance You just told him how much you needed and got it? No estimates or anything?
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10-20-2009, 09:27 AM	#11
BLACKBULLET69 Registered User Join Date: Apr 2009 Posts: 85 Location: Tinicum, P.A - Delco User is: OffLine	Re: Insurance That does sound a little weird
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10-20-2009, 09:38 AM	#12
emann_01 Registered User Join Date: Mar 2006 Posts: 299 Location: Houston, TX User is: OffLine	Re: Insurance I think a lot of has to do with how much you have into your truck...when mine is done it will definately have full coverage with every modification noted.
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10-20-2009, 09:44 AM	#13
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance Quote: Originally Posted by andysutt You just told him how much you needed and got it? No estimates or anything? Yep.
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10-20-2009, 11:35 AM	#14
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance Quote: Originally Posted by The Griff Yep. Do you know the guy? Your lucky otherwise.
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10-20-2009, 11:38 AM	#15
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance Quote: Originally Posted by andysutt Do you know the guy? Your lucky otherwise. Just my insurance agent, has been for over 20 years, I showed him a picture, told him about what I would need to fix it, and they sent me a check.
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10-20-2009, 11:39 AM	#16
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance Ahh, being with the same guy for 20 years sure does help. Still lucky, and glad it worked out. Not a lot of insurance people are that nice
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10-20-2009, 11:40 AM	#17
Crew Cab Sonoma not low, not gonna be... Age: 43 Join Date: Mar 2004 Posts: 5,122 Location: Chattanooga, TN User is: OffLine	Re: Insurance full coverage on my truck isnt much more expensive than just liability. i keep the collision/comprehensive because the cost savings just arent enough to justify dropping it... same with my wife's 05 Equinox...
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10-20-2009, 11:42 AM	#18
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance Quote: Originally Posted by Crew Cab Sonoma full coverage on my truck isnt much more expensive than just liability. i keep the collision/comprehensive because the cost savings just arent enough to justify dropping it... same with my wife's 05 Equinox... O_o You don't have a v8 homeslice.
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10-20-2009, 12:27 PM	#19
carter Registered User Age: 21 Join Date: Feb 2006 Posts: 305 Location: Calgary User is: OffLine	Re: Insurance i have full coverage...i want every penny back when it gets stolen or set on fire lol
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10-20-2009, 12:28 PM	#20
carter Registered User Age: 21 Join Date: Feb 2006 Posts: 305 Location: Calgary User is: OffLine	Re: Insurance ...not that I'D set it on fire...
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10-20-2009, 12:38 PM	#21
lee-mill where's my chippy? Age: 20 Join Date: Jun 2007 Posts: 8,021 Location: staatsburg, ny User is: OffLine	Re: Insurance Quote: Originally Posted by carter i have full coverage...i want every penny back when it gets stolen or set on fire lol ahahaahhaha every penny. youll get book value if your lucky. some insurance companies go by the market, basicly they look for 3 cars like yours that are for sale and average them. so if they find 2 for 500 and one for 2000 then your only getting $1000
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10-20-2009, 12:43 PM	#22
carter Registered User Age: 21 Join Date: Feb 2006 Posts: 305 Location: Calgary User is: OffLine	Re: Insurance not with a long list of receipts thats what they told me anyway
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10-20-2009, 12:45 PM	#23
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance Even with a long list of receipts you have to have the extra insurance, not just your basic full coverage
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10-20-2009, 12:47 PM	#24
carter Registered User Age: 21 Join Date: Feb 2006 Posts: 305 Location: Calgary User is: OffLine	Re: Insurance that is what i have LOL $100 a month...why not? reg insurance was like $75 a month
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10-20-2009, 12:52 PM	#25
lee-mill where's my chippy? Age: 20 Join Date: Jun 2007 Posts: 8,021 Location: staatsburg, ny User is: OffLine	Re: Insurance i wish i only paid a 100 a month. lol
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10-20-2009, 12:55 PM	#26
carter Registered User Age: 21 Join Date: Feb 2006 Posts: 305 Location: Calgary User is: OffLine	Re: Insurance im with State Farm and they told me they can only ding me once for the one ticket i have and only ding me once for being under 25...so i pay $200 a month for my JDM Subaru WX and $114 for my truck fully covered. I'd look into that if you have 2 vehicles, they also have a multi vehicle discount or something. I almost shit myself when she told me that, i was paying almost $400 a month with my last company (wawanessa...they suck dick...meeeeaaan dick)
	[Reply w/Quote]

10-21-2009, 07:23 AM	#27
andysutt Lifts are for 4wds! Age: 26 Join Date: Sep 2008 Posts: 1,601 Location: Conway Arkansas User is: OffLine	Re: Insurance I pay less than $50 for liability on the suburban. When I had the Sonoma, the Safari and the Taurus it was only $85
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10-21-2009, 08:31 AM	#28
Crew Cab Sonoma not low, not gonna be... Age: 43 Join Date: Mar 2004 Posts: 5,122 Location: Chattanooga, TN User is: OffLine	Re: Insurance Quote: Originally Posted by The Griff O_o You don't have a v8 homeslice. well, not yet i dont. does it really matter? regardless, it doesnt sound like many here are informing their ins. agent about their V8 swaps...
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10-21-2009, 08:33 AM	#29
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance Well, it's in the V8 section, but I guess no one really paid attention to that fact.
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10-21-2009, 09:47 AM	#30
Crew Cab Sonoma not low, not gonna be... Age: 43 Join Date: Mar 2004 Posts: 5,122 Location: Chattanooga, TN User is: OffLine	Re: Insurance fully aware of which section its in. havent you posted in the 4.3 section before??? my point was, that some were complaining about the cost of full coverage. i would be tempted to drop it too, if the the savings in premiums was enough. in my case, it isnt...
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10-21-2009, 10:11 AM	#31
The Griff Jesus Palamino Join Date: May 2006 Posts: 18,394 Location: Uncle Nutsy's Clubhouse User is: OffLine	Re: Insurance Quote: Originally Posted by Crew Cab Sonoma fully aware of which section its in. havent you posted in the 4.3 section before??? my point was, that some were complaining about the cost of full coverage. i would be tempted to drop it too, if the the savings in premiums was enough. in my case, it isnt... jesus christ, just drop it, the initial question was what the V8 guys were doing as far as insurance goes. Nothing else.
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10-21-2009, 03:56 PM	#32
Crew Cab Sonoma not low, not gonna be... Age: 43 Join Date: Mar 2004 Posts: 5,122 Location: Chattanooga, TN User is: OffLine	Re: Insurance why dont YOU drop it... i simply had a remark to make, then here you come with your little attitude. youre the one going into an estrogen-fueled tirade, making a big stink out of nothing.... time for some Midol there, "HOMESLICE"....
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10-21-2009, 09:31 PM	#33
emann_01 Registered User Join Date: Mar 2006 Posts: 299 Location: Houston, TX User is: OffLine	Re: Insurance haha....ah yes! love me some internet tough guy contest!!!!!!
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10-21-2009, 09:42 PM	#34
SH-60B Registered Neanderthal Join Date: Nov 2007 Posts: 2,735 Location: Meriden/CT/USA User is: OffLine	Re: Insurance You guys done now? LOL. Hey BLACKBULLET, after reading thru some of the other responses I remembered that I only had liability on it too. The way i saw it was, it was older and a very common truck. If someone hit me then their ins. would give me something, maybe enough to get a decent replacement that I could then swap all my V8 stuff into after "buying" the truck back from the ins. company. If I crashed it, of course my ins. would pay the other guy, and I'm sure I could find another non-running truck to swap my stuff into pretty cheaply, maybe not even an S10. I didn't tell them it was an eight cylinder because it might open a can of worms is all. I was much more concerned about the emissions than the insurance.
	[Reply w/Quote]

10-21-2009, 09:48 PM	#35
S15vortecpwr goin broke but n style Age: 29 Join Date: Jan 2007 Posts: 3,715 Location: Wetumpka, Alabama User is: OffLine	Re: Insurance i asked my state farm agent when i bought my 01 about a v8 swap. he said they go by vin number and it will show it has a 4cyl in it so unless i wanted extra ins it would be the same. i pay 300 a year for the 01 and 200 for the 94. I only pay 350 fo rmy WS6. all have liability. my vehicles are too common to spend the extra money, plus i know the owner of one of the best bodyshops in town. i work for him.
	[Reply w/Quote]