Insurance after a lift?
Moderator: Tec Team
- David TJ Blue SPIRAL2
- Posts: 126
- Joined: May 9th, 2007, 1:05 am
- Location: Niles, MI
Insurance after a lift?
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!
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.
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
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- MJC member
- Posts: 417
- Joined: March 18th, 2008, 6:05 pm
- Location: Osceola, IN
Re: Insurance after a lift?
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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- Zuk
- MJC member
- Posts: 750
- Joined: April 11th, 2011, 12:28 pm
Re: Insurance after a lift?
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
- jv
- Posts: 165
- Joined: January 24th, 2007, 9:22 am
- Location: Constantine, MI
Re: Insurance after a lift?
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.
95 YJ 4.0
- sandfox
- CV team
- Posts: 971
- Joined: March 20th, 2007, 8:48 pm
- Location: wakarusa in
Re: Insurance after a lift?
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 ?
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
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
- VEGAS
- MJC member
- Posts: 197
- Joined: February 11th, 2011, 1:48 pm
- Location: Elkhart
Re: Insurance after a lift?
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
- rockinxj00
- TEC team
- Posts: 449
- Joined: January 20th, 2007, 11:08 pm
- Location: Goshen, IN
- Contact:
Re: Insurance after a lift?
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.
Hey Hold My Beer and Watch This!!!!!!!!!!!!!!
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- MJC member
- Posts: 417
- Joined: March 18th, 2008, 6:05 pm
- Location: Osceola, IN
Re: Insurance after a lift?
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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- David TJ Blue SPIRAL2
- Posts: 126
- Joined: May 9th, 2007, 1:05 am
- Location: Niles, MI
Re: Insurance after a lift?
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
-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.
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
- sandfox
- CV team
- Posts: 971
- Joined: March 20th, 2007, 8:48 pm
- Location: wakarusa in
Re: Insurance after a lift?
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
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
- David TJ Blue SPIRAL2
- Posts: 126
- Joined: May 9th, 2007, 1:05 am
- Location: Niles, MI
Re: Insurance after a lift?
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.
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.
-
- MJC member
- Posts: 417
- Joined: March 18th, 2008, 6:05 pm
- Location: Osceola, IN
Re: Insurance after a lift?
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.
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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[ ]---o--[ ]
- Zuk
- MJC member
- Posts: 750
- Joined: April 11th, 2011, 12:28 pm
Re: Insurance after a lift?
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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- Joined: March 17th, 2011, 10:30 am
- Location: Elkhart
- Contact:
Re: Insurance after a lift?
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 endo
club"member of the red jeep club"
- David TJ Blue SPIRAL2
- Posts: 126
- Joined: May 9th, 2007, 1:05 am
- Location: Niles, MI
Re: Insurance after a lift?
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.
JOTM: Dec. 2014
fyi: I have changed my license plate from SPIRAL2 to NINJEEP.