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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

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    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 New Member

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    SoCal
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    Maybe a new insurance company? Who do you have?
     
  3. Mar 3, 2020 at 3:36 PM
    #3
    Navygunner

    Navygunner [OP] New Member

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    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

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    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

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    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

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    North Carolina
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    "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 Member

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    NY
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    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.
     

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