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Insurance after a lift?

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Insurance after a lift?

Postby David TJ Blue SPIRAL2 » January 19th, 2013, 10:52 pm

I mentioned to my car insurance agent that I was planning to do a lift soon and was told they would not be able to insure me if I did so.

Any suggestions where to get insurance after getting my lift?

Thanks! :)
03 TJ, 4" BDS long arm & 1.25" Body lift. Flat skid. FOX Shocks. 35" MTZs. 35 spline rear axle, 4.56 gears, air lockers, And more...
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
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Re: Insurance after a lift?

Postby Mediocre » January 19th, 2013, 11:29 pm

I have American Family and they didn't care. I sent them photos for my file since I added a rider for my extra equipment/modifications.
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Re: Insurance after a lift?

Postby Zuk » January 20th, 2013, 1:14 am

State Farm said as long as the bottom of the bumpers are less than 36" I was fine. Also said keep current pics for any upgrades.
2001 Sahara, 4.0, auto, Rubicon express 5.5" long arm, Rubicon Dana 44's front and rear, OE air locker in front, ARB air locker in rear, 37" Mastercraft MXT's, 4.10's, Tera 2low, SYE, Currie Anti rock in front, Currie rock sliders, Barricade rear armor, Tmax 9k competition winch, Tmax 2.5k suck down winch in rear :)
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Re: Insurance after a lift?

Postby jv » January 20th, 2013, 11:00 am

Looks like anybody but your insurance, huh!?! Liberty Mutual has no restrictions. I do wonder, though, with any insurance, they'll cover you on road but maybe not off.
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Re: Insurance after a lift?

Postby sandfox » January 20th, 2013, 5:26 pm

farm bureau has never had any problems with my lifted jeeps , who do you have now?
2013 jku sahara, 2.5 teraflex lift, 315 series generals, 410 gears ,just the new dune toy
2009 jku rubicon, 4"teraflex, 315 tires, 410 gears, oh did I mention 5.7 HEMI ?
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wranglers i have had, 98 sport, 97 se, 88yj, 02 X, 01 sport, 05 X, 05 se, 99 sport, 98 se ,07 jk rubi, 05 x, 98sport, 2010 jku sport, 2013 jku sahara, 04 lj sport. 06 libby, 2009 jku HEMI , 80 j20, 04 lj sport, 03 tj X,
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Re: Insurance after a lift?

Postby VEGAS » January 20th, 2013, 6:52 pm

I have progressive and they are fine with my lifted jeep. They even asked if I wanted to have "off road" insurance!!
2000 Black XJ with 3'' BDS lift, Victory 4x4 front and rear bumpers, Quadratec Q9500is winch, Moab 16'' wheels wrapped with Mastercraft Courser MXT 285/75/16
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Re: Insurance after a lift?

Postby rockinxj00 » January 20th, 2013, 8:13 pm

Yea progressive is the bomb when it comes to modified jeeps and offroading. Indiana Farmers is pretty awesome too. When I totaled my XJ, they covered all the lift, bumper, winch and rock rails.
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Re: Insurance after a lift?

Postby Mediocre » January 20th, 2013, 10:20 pm

Well what I have learned is EVERYONE's insurance company is good with a lifted/modded Jeep. Its just yours that seems to have an issue with it. You need to do some comparison shopping on price and make the jump.
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Re: Insurance after a lift?

Postby David TJ Blue SPIRAL2 » January 22nd, 2013, 12:22 pm

I have State Farm in Niles. They have been great for everything in the past. I will ask them about the 36 inch bumper rule. I plan to lift enough for 35's is all. If it's a problem I will obviously have to switch :). Thank you for the input everyone.

-Dave Culp
03 TJ, 4" BDS long arm & 1.25" Body lift. Flat skid. FOX Shocks. 35" MTZs. 35 spline rear axle, 4.56 gears, air lockers, And more...
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
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Re: Insurance after a lift?

Postby sandfox » January 22nd, 2013, 1:19 pm

35's thats all :) just remember to put some money in axles and other upgrades, cause thats a pretty big tire
2013 jku sahara, 2.5 teraflex lift, 315 series generals, 410 gears ,just the new dune toy
2009 jku rubicon, 4"teraflex, 315 tires, 410 gears, oh did I mention 5.7 HEMI ?
APRIL 2010 J.O.T.M

wranglers i have had, 98 sport, 97 se, 88yj, 02 X, 01 sport, 05 X, 05 se, 99 sport, 98 se ,07 jk rubi, 05 x, 98sport, 2010 jku sport, 2013 jku sahara, 04 lj sport. 06 libby, 2009 jku HEMI , 80 j20, 04 lj sport, 03 tj X,
looking for 00 & 06
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Re: Insurance after a lift?

Postby David TJ Blue SPIRAL2 » January 22nd, 2013, 1:34 pm

oh yes Dave, that is in the plan. Thanks for the advice! :)
03 TJ, 4" BDS long arm & 1.25" Body lift. Flat skid. FOX Shocks. 35" MTZs. 35 spline rear axle, 4.56 gears, air lockers, And more...
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
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Re: Insurance after a lift?

Postby Mediocre » January 22nd, 2013, 3:58 pm

Bumper height in Indiana is limited to 30" to the bottom of the bumper. Not that I have ever heard of them checking trucks/Jeeps.

IC 9-19-4-2
Trucks with declared gross weight of not more than 11,000 pounds
Sec. 2. When operated upon a highway, a motor vehicle registered as a truck with a declared gross weight of not more than eleven thousand (11,000) pounds must be equipped with bumpers of substantial construction on the extreme front and the extreme rear of the vehicle. The height of the front and rear bumpers may not exceed thirty (30) inches when measured from level pavement to the bottom of the bumper.
As added by P.L.2-1991, SEC.7.
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Re: Insurance after a lift?

Postby Zuk » January 22nd, 2013, 11:27 pm

With my Skyjacker 4" and 35`s I`m @ 26" in front and 23" I believe in the rear....
2001 Sahara, 4.0, auto, Rubicon express 5.5" long arm, Rubicon Dana 44's front and rear, OE air locker in front, ARB air locker in rear, 37" Mastercraft MXT's, 4.10's, Tera 2low, SYE, Currie Anti rock in front, Currie rock sliders, Barricade rear armor, Tmax 9k competition winch, Tmax 2.5k suck down winch in rear :)
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Re: Insurance after a lift?

Postby speeduck » January 25th, 2013, 6:15 pm

Image

this was my jeep last week, state farm covered everything, they did insist on used parts due to the age of my jeep, but i dont care if the fenders are used or not, i will have it back next week, all better.

they even bought me a new bra for the hood....lol
"05 rubicon"1006RTI ramp/4"susp long arm/UCF belly up/xrc bumpers/T-max 10,000/cobra 29/motometal 909's/35's Falken Wildpeaks/kilby steerbox skid/quick double disconect sway/member of the endoclub"member of the red jeep club"
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Re: Insurance after a lift?

Postby David TJ Blue SPIRAL2 » July 18th, 2013, 2:54 pm

Got my lift and showed it to my agent. He is cool with it. No worries.
03 TJ, 4" BDS long arm & 1.25" Body lift. Flat skid. FOX Shocks. 35" MTZs. 35 spline rear axle, 4.56 gears, air lockers, And more...
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
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