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Insurance with Aftermarket Parts?

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Old 09-17-2012, 07:01 AM
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Since my ls1 swap and trans I've been thinking about this too. Not to mention my Torq thrusts that are like new. I have nationwide so I'll check with them and report back.
Old 09-17-2012, 09:48 AM
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Originally Posted by 1FastBrick
Get a new insurance company... LOL

Unless it's completely destroyed, I have bought them back in the past and even repaired them. As mentioned there worth more in parts and the buy back is usually fairly cheap.
Their rates are the lowest I have ever found, I was given two options 1. take this amount and we pick up the car, 2. take this amount and you keep that car.

I paid $5500 for a mint Trans Am with 79k miles and a few tasteful mods...they offered me $7600 to keep, or $9100 to let it go...I chose that latter.
Old 09-17-2012, 10:59 AM
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Anyone have Geico? Just checking before I call them.
Old 09-17-2012, 11:28 AM
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I priced Geico once... I would be paying about $200 more / 6 months.

So I stayed with USAA
Old 09-17-2012, 12:28 PM
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Originally Posted by VegasJ
I priced Geico once... I would be paying about $200 more / 6 months.

So I stayed with USAA
I meant in regards to aftermarket parts and buy back. Geico was cheapest for me.
Old 09-17-2012, 02:47 PM
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I go through ANPAC. With them, you can sit down with your agent and fill out a form a declair the value of all aftermarket and custom things on your vehicle. Then, if it exceeds $5,000 which they will cover at no extra cost, the will send that form to the underwriters and adjust you policy for the extra coverage. I highly recommend them. Plus after three years with no claims, you get %25 of your premiums back every year (if you have car and home insurance). I have all my audio equipment covered with this.
Old 09-18-2012, 07:35 PM
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Originally Posted by texasglock23
Their rates are the lowest I have ever found, I was given two options 1. take this amount and we pick up the car, 2. take this amount and you keep that car.

I paid $5500 for a mint Trans Am with 79k miles and a few tasteful mods...they offered me $7600 to keep, or $9100 to let it go...I chose that latter.
So they do allow buy backs. Your buy back price was $1500 on the trans am.
Old 09-18-2012, 07:56 PM
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Originally Posted by texasglock23
Their rates are the lowest I have ever found, I was given two options 1. take this amount and we pick up the car, 2. take this amount and you keep that car.

I paid $5500 for a mint Trans Am with 79k miles and a few tasteful mods...they offered me $7600 to keep, or $9100 to let it go...I chose that latter.
That would be a buy back.

I have AAA and have bought back from them. Unless its completely destroyed or has major structurale damage to the body I don't see why not. In my case I have repaired and driven them. But they would still be worth more in parts then the $1500 additional pay out. In a lot of cases the engine and trans alone could fetch that. Not to mention the value of the interior if you keep it in fairly decent shape.
Old 09-25-2012, 09:38 PM
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I have seen insurance company's not cover items that came with the truck. i.e. a Southern Comfort/ MCX/ Regency conversion. Essentially what they are saying is it is an add on and is not covered under a regular policy.
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