man it sounds like some of you have super high rates on your evos, i have state farm with zero issues and pay 1000 a year for full coverage.

 

Unfortunately, you get what you pay for in most cases. I wouldn't touch Geico myself. I have Nationwide and kept a heavily modded srt-4 with them and never had an issue with coverage.

 

Hate it for you! Get someone who is mod friendly. If your in the military you can get USAA which comes with $5k in mod coverage.

 

How do the insurance companies even know when someones car is modded? All of my cars have been modded and Ive never had an issue with it.

 

That's weird...

I have Gieco, and when I first bought the car, when I called to have them cover it, the insisted to let them know WHEN, not IF, when, I modify it to let them know so they can insure the mods... I kind of laughed and said alright.

But my car got vandalized in september, and they covered $1400 of paint and body work, I paid my deductible and was on my way...

When the lady went to the shop to take note of the claim she called asking what the "big silver radiator looking thing was on the front" and I responded thats my front mount intercooler. She was amazed, she said she's never seen them on a lancer, I had to explain to her the turbo and forced induction and all wheel drive and that it was an Evolution, the top model of Lancers.... but she seemed more impressed then ready to drop my insurance...

Mind you my front mount is 3.5" AMS one

 

Just be warned, I am going through the same situation with Progressive right now. I had a $900 claim when my neighborhood got flooded and water got into the Evo... its the only claim I have ever had, and the adjuster made notes of my "excessive race modifications" and I got a letter in the mail a month later. I'm fighting it, but at this point I think it will be easier to just move to another insurance company. I'm going to check out State Farm or Esurance. Considering how many cars I have Progressive is going to lose a lot of my money over this. I'm insanely pissed too because I only switched to them because they covered the mods. I have been paying an insane agreed value policy to cover those mods and now they are dropping me.

 

its just insurance. drop them and go with another. its not like they are the only company out there, and they by far arent the cheapest

 

Now I feel better having sued the **** out of geico for personal injuy. One of their insured pulled out in front of me on my gsx-r750 couple years ago, t-boned her @ 40+mph. Lived, obv, but in pain daily. ***** a$$ insurance company they are....

 

I'm on progressive (Only insurance company for the last 13 years since I've been the US). I pay $115 for the evo. $185 for my wife's STi, $100 for my wife's IS300 and 60 bux for her Suzuki.

Kinda pricey but I have a "few" speeding tickets from when I was younger.

 

I'm with, and have been with progressive since i bought the car in 09. $1,000 deductible keeps my premium at bay - pay $125/mo with a clean record, another $70/mo for my 21, almost 22 year old civic sedan. No problems so far, but I don't get glass coverage for that price

 

I work in insurance... here's my input.

While you do not view your car as being "heavily modded," most insurance companies have a long list of underwriting questions that they are supposed to ask you, and if not, you more than likely signed your insurance application that had the answer pre-filled regarding whether or not your car is modified for performance, as opposed to modified for other reasons (i.e. wheels, upgraded audio system, better Recaros). It's not likely for companies to drop people for this kind of thing, but they can do it, especially if you've made a claim and the adjuster documented any difficulty regarding what they perceive to be mods. Even if what they replaced (in your case, the ACD) was not a modification, they thought it was, and despite it getting cleared up, they still noted other mods. It's a red flag, especially after you having had two accidents.

You can speak to a claims adjuster or an underwriter to explain, and if you have the brochure or the window sticker, it will help explain that you've had certain things on the car that were from the factory. They more or less have the final say, though of course you can always drag their superiors into it.

It might not sound right, but they can do it if they want. As I mentioned before, almost every insurance company has that question about modifications in their applications -- I invite all of you to check the applications that you signed when you first signed up with your current insurance company. However, some companies are more lenient than others.

That being said, it's possible that insurance companies view drivers with modifications on their cars to be higher risks than drivers with stock cars, which is not always the case but it's a reasonable assumption. Drivers who modify their cars clearly want more out of their cars, possible for the purposes of competing or racing, whether legal or not. Some of you may counter by saying that there are still cars out there that are faster than Evos that are bone stock and would presumably be more capable, but again, who do you think is more likely to be a race car driver, the guy with a bone stock Z06 or the guy with a Z06 with coil-overs, I/H/E, roll bar, five-point harness, etc.?

Every insurance company has losses, but the way they work is by picking and choosing the risks that they take in terms of the likelihood of a loss occurring and how much money they'd lose in the situation of a loss. For example, a company may be more likely to insure a guy with an accident who drives a Toyota Camry than they would insure that same guy if he didn't have an accident but drove a Ferrari.

That's pretty much the answer. They've already lost money more than once on the driver (though it's typically in the situation of at-fault accidents, while not-at-fault accidents or comprehensive claims aren't weighed nearly as heavily) and gave recouping money a shot. They'd rather cut their losses now rather than wait for another incident to happen, since statistically speaking it's far more likely to happen to that person than to someone who has maintained a perfectly clean driving history with no claims.

Not that I agree, but they view you as a short-term client who is risky because of your car. Exceptions can be made, but it's usually if you've been a long-term client with no losses or if you have multiple policies... and I mean MULTIPLE. For example, I insure my parents, and the underwriters take special consideration whenever she needs something since she has an auto policy (with five vehicles), a home policy (on a big home), four other property policies (on homes that she owns and rents out) and an umbrella policy, all of which totals around $6-7k each year, so they want to keep her happy. Similarly, I've had other clients with multiple policies, and they may have purchased something (whether it's an expensive car or a home in an area with a higher likelihood of a fire) that ended up getting declined, but we can contact the underwriters directly to see if they can greenlight the change.

That's going to be expected. Even if they did underwrite in that state, they'd have to cancel your policy in the other state and set up a new one in another state. It's standard procedure, and it's done because every state has different laws, requirements, coverages, etc. that do not always translate to another state. Sometimes they let it slide if you're there temporarily, like if you're on your parents' policy in one state because you're going to school in another state, but if you're already living and working there, then they can't continue to insure you like that with that knowledge.

No single company has the best rates across the board, so you'll have to do shopping. You can go to an insurance agency/broker who can access different companies, which will help you reduce the legwork you have to do while also getting quotes from companies that you may not be aware of or able to access at all. Just make sure that they don't charge broker fees or disguise them as something else, like an application fee. If they do charge, then find another agent who is directly appointed with the same company who does not charge broker fees.

Progressive is a toss-up, though if you're eligible for most their discounts, they'll have a pretty competitive rate, but again it depends on the state. I quote them on a regular basis, and here in California, I'll say that they have the lowest rate one out of nine or ten times, though they're a bit more competitive in places like Ohio, Tennessee, Texas, Virginia and a few others that I can't think of at the moment. But again, it depends on your factors.

It's possible that it was due to the length of time you've been with them. My parents were with Geico for more than 30 years, and I was with them for 12 years, though we're not with them anymore since I got us a better rate. But during that time, they were good with claims. My brother's Honda Civic was stolen in 2001, but he was living on his own in a completely different area when it happened, but they still covered it anyway without any question. Earlier that same year, a lady in a van hit my Honda Accord, and Geico had approved for me to get different parts if I wanted to (since body kits were the rage at that time if you had a Honda), but I ended up just getting factory parts.

I agree with that to an extent, as insurance companies should show a certain level of customer service with consideration for keeping you satisfied, but they are not obligated to get on their hands and knees to do anything to keep you. Your situation was difficult, but they did what they could, though admittedly they could've gone above and beyond. But the fact remains that while you were lied to by the lady who struck your vehicle, it sounds like you accepted the information that she told you as opposed to reviewing her insurance information, like an insurance ID card (though correct me if I'm wrong in the situation that she gave you false documents). If she didn't have proof of insurance or refused to show it to you, you should have called a law enforcement officer who would surely get her to cooperate or cite her for driving without proof of insurance.

In the insurance world, it's rated as a 26h, which is really bad. Originally the Evo was rated lower, but the rating got changed after reviewing the statistics of the cars (i.e. accidents, tickets, crash ratings). The Evo X wasn't bad, as it was a 20h at first, possibly because the car had much better safety ratings and was a new platform altogether, but of course once the idiot drivers start doing dumb things, it got changed. I believe it was also uprated to a 26h, if I remember correctly.

You're in Colorado, where rates aren't too bad. Also, according to your information, you drive a 2003 Evo. There's obviously nothing wrong with it, but clearly its value would be the lowest among Evos considering its age, with all other factors being equal. That helps your rates and would make it lower than a similar condition 2006 Evo.

They know when there's an insurance claim since they would send an adjuster to note damages and anything else out of the ordinary with the car.

Absolutely. There are TONS of companies, and even within companies, they have different branches and programs that are the essentially the same company but with different underwriting guidelines and rating systems (i.e. Progressive Direct/Progressive Drive/Progressive Select, Dairyland/Sentry/Viking/Peak, Unitrin Direct/Unitrin Specialty, Safeco/Liberty Mutual, Farmers/Foremost/Bristol West/Zurich).

 

I had a similar problem with American Family Ins. A morth after i got my evo I wav hit and run while i was at a movie. UT Snow I think someone in a truck or something cam into a stall to fast to park and in the snow slid into me. Needed new hood, bumper, and they also replaced intercooler radiator IC piping ended up being like 5k. They covered it all and then dropped me. Now I am with Progressie and they are awsome.

 

I was about to post this same exact thing. I pay $960 a year for full coverage on my 03' Evo, and I'm 21 with 1 accident and 3 tickets. The key is making it a secondary vehicle, even though there are no restrictions when a car is listed as a secondary vehicle.

 

That's not necessarily true, though it depends on the state and how the company underwrites the policy. You can list it as an excess vehicle for pleasure use while another car is listed as the primary vehicle for commute use, though make sure that the mileages are at least somewhat accurate. If you put that you're driving your beater 10,000 miles a year and your Evo 2,000 miles a year, they might say something if you get into a car accident in a situation where you were on your morning commute and racking on 12,000 miles a year on your Evo. That might raise some flags.

 

I worked at State Farm and unfortunately I can tell ya that if the claim is closed after the adjuster made the assessment they probably won't budge one bit. You really do get what you pay for. Unfortunately, a lot of consumers don't know all the dirty tricks that other insurance companies pull on their customers. I told this to prospects all the time but really it takes the bad experience until they fully understand the level of screwing that comes from insurance companies...