1. Welcome to Tundras.com!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tundra discussion topics
    • Transfer over your build thread from a different forum to this one
    • Communicate privately with other Tundra owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

Auto insurance for lifted trucks

Discussion in '2.5 Gen Tundras (2014-2021)' started by Navygunner, Mar 3, 2020.

  1. Mar 3, 2020 at 3:30 PM
    #1
    Navygunner

    Navygunner [OP] New Member

    Joined:
    Mar 3, 2020
    Member:
    #43411
    Messages:
    18
    Gender:
    Male
    Vehicle:
    2020 tundra crewmax 4x4
    6 inch rough country lift, 35” pro comp tires, S&B cold air intake
    I am due to renew my auto policy at the end of the month and I had asked if they covered aftermarket parts like a lift, bumpers, wheel and tires. My insurance rep said they will only cover up to $5,000 in repairs and will not cover any truck lifted more than 4”. Anyone know a work around, but still within legal limits?
     
  2. Mar 3, 2020 at 3:32 PM
    #2
    fisherman951

    fisherman951 MT dreams

    Joined:
    Sep 12, 2017
    Member:
    #9616
    Messages:
    5,370
    Gender:
    Male
    First Name:
    Tony
    SoCal
    Vehicle:
    2017 crewmax 4x4
    Maybe a new insurance company? Who do you have?
     
  3. Mar 3, 2020 at 3:36 PM
    #3
    Navygunner

    Navygunner [OP] New Member

    Joined:
    Mar 3, 2020
    Member:
    #43411
    Messages:
    18
    Gender:
    Male
    Vehicle:
    2020 tundra crewmax 4x4
    6 inch rough country lift, 35” pro comp tires, S&B cold air intake
    I have USAA but I bought new vehicles and the price went up. I talked with Progressive and that’s who said they wouldn’t cover anything lifted over 4”. I already pay an arm and 2 legs for insurance cause I’m in Louisiana. Apparently law abiding citizens have to pay outrageous premiums due to the very high amount of non insured drivers here.
     
  4. Mar 3, 2020 at 4:42 PM
    #4
    gdiep

    gdiep I like cookies

    Joined:
    Sep 14, 2016
    Member:
    #4540
    Messages:
    1,011
    Gender:
    Male
    Syracuse, New York
    Vehicle:
    2014 Red Tundra CM SR5
    One of the ways that companies like Progressive and Geico keep premiums low is by selling reduced or restricted coverage, such as the limit you were quoted. There’s nothing wrong with it, as long as you are aware and are making an informed decision. if you choose Progressive to save some money, just understand that you are self-insuring some of the cost of the lift. USAA is a very reputable company. You should find an independent agent to give you some quotes and disclose the terms of coverage from each company. Maybe the agent can find you comparable coverage while saving you some money. But again, USAA is a good company when you need them. So choose carefully. (I do not work for any insurance company, but I work in the industry).
     
  5. May 28, 2020 at 3:50 AM
    #5
    brent8VM

    brent8VM New Member

    Joined:
    May 28, 2020
    Member:
    #47185
    Messages:
    3
    Gender:
    Male
    I would definitely choose USAA in my case. It's all depends on specific insurance company, I think. When you sign up papers - you should re-check everything what agent does. Re-check on your own. It's not so easy to find a trusted insurance company or service on the web, but few weeks ago it seems like I found one good service, here ( website: https://www.general.com/articles/cоmpare-car-insurance-quotes ). It can give you some great comparisons of different cars and insurance options.
     
    Last edited: May 28, 2020
  6. May 28, 2020 at 4:04 AM
    #6
    ccheezy

    ccheezy New Member

    Joined:
    Apr 16, 2020
    Member:
    #45098
    Messages:
    68
    Gender:
    Male
    North Carolina
    Vehicle:
    2020 CrewMax Limited
    "What are you hauling there son?" "ass"
    I’m an agent with Farm Bureau in NC. As a general if we have the whole account (Homeowners, auto, IM, anything else) and you have decent credit your premiums reflect that. We also (as a general rule) insure stated amounts for anything and so as long as you have receipts an adjuster would take that information when paying out a claim. Great thing about us as well is that you are dealing with a local agent rather than a call center. Don’t know what state you are in but I’d say look up your local Farm Bureau agent and get them to quote. With general contracting and insurance as well as most other things things in life just because it costs less doesn’t mean it’s better. If you’re in NC give me a shout and I’ll do what I can.
     
  7. May 28, 2020 at 4:25 AM
    #7
    timsp8

    timsp8 Former Tundra owner for 13 years

    Joined:
    May 11, 2018
    Member:
    #15231
    Messages:
    3,533
    Gender:
    Male
    First Name:
    Tim
    NY
    Vehicle:
    2018 Tundra Limited Crewmax - Traded In
    I’ve always had good experience with usaa. If I have had receipts, they have covered it. And even some things without receipts. One adjuster in DC looking at hail damage told me he pays out $100,000 a day so a few thousand for a lift isn’t anything.

    My truck was broken in to years ago and I gave them a list of everything, some without receipts, and they paid it all. Just had to show them what it was with a link to the item like on Amazon.
     
  8. Mar 17, 2022 at 12:21 PM
    #8
    nathanielfigart

    nathanielfigart New Member

    Joined:
    Mar 17, 2022
    Member:
    #75956
    Messages:
    1
    Gender:
    Male
    I have no idea, but if you find out, then write here too
     
  9. Mar 17, 2022 at 12:29 PM
    #9
    timsp8

    timsp8 Former Tundra owner for 13 years

    Joined:
    May 11, 2018
    Member:
    #15231
    Messages:
    3,533
    Gender:
    Male
    First Name:
    Tim
    NY
    Vehicle:
    2018 Tundra Limited Crewmax - Traded In
  10. Mar 18, 2022 at 3:25 AM
    #10
    emmerykercher07

    emmerykercher07 New Member

    Joined:
    Mar 18, 2022
    Member:
    #75973
    Messages:
    1
    Gender:
    Female
    What should I do if I do not know which service to choose for insurance? The last company did a very ugly thing to me by making a contract in which there was a loophole so that I would have to pay huge fines for any mistakes in the future. I terminated contact with them, and now I'm considering getting insurance from the company https://www.youi.com.au/car-insurance. So far, I don't quite understand how to do it correctly, so as not to get into the same terrible situation again as I did the first time, that's why I'm asking for your advice.
     
    Last edited: Mar 20, 2022
  11. Mar 18, 2022 at 4:43 AM
    #11
    timsp8

    timsp8 Former Tundra owner for 13 years

    Joined:
    May 11, 2018
    Member:
    #15231
    Messages:
    3,533
    Gender:
    Male
    First Name:
    Tim
    NY
    Vehicle:
    2018 Tundra Limited Crewmax - Traded In
    Shop around and read the terms. Check reviews online. Look for one that suits your needs for the price you want to spend.
     
  12. Mar 18, 2022 at 4:46 AM
    #12
    tundratoofun

    tundratoofun Yall better rednekonize

    Joined:
    Feb 21, 2022
    Member:
    #74957
    Messages:
    646
    Gender:
    Male
    First Name:
    Chris
    Glendale
    Vehicle:
    Beast
    Call them all, go with the best coverage for the least $...
     
  13. Mar 18, 2022 at 4:49 AM
    #13
    tundratoofun

    tundratoofun Yall better rednekonize

    Joined:
    Feb 21, 2022
    Member:
    #74957
    Messages:
    646
    Gender:
    Male
    First Name:
    Chris
    Glendale
    Vehicle:
    Beast
    This is why Im glad my grandma has had the same agent forever. I just pulled up, said i wanna add thT truck, and I plan on modifying it.
    He said "we can add that truck, what do you covered and for how much?"
    I have $75k in protection, that can be used on a new truck, repairs, shit I think I can even tap into for "mods" if the excuse is good enough. Like "I added all those lights for safety purposes" BAM, my lights have insurance. Allstate for the win baby!!!
     

Products Discussed in

To Top