Insurance Questions <

[Trutrax]

So, I'm getting insurance for my new 240sx. I phone them up and they start grilling me about if the car has any mods on it and even wether it has an aftermarket stereo system for christ sakes. They want to take pictures of the car for their files...so my question is... Seeing as how it's pretty much stock at this point, how in the f*#$ can I actually modify my car w/o voiding my insurance. Hell, I'm afraid if I even slap and aero kit on there and something happends I'm gonna be fucked.

Suggestions?
Comments?

please and thanks

[an_orange_s2k]

wht insurance company is this? did u you call around? i never heard of companies taking pictures before...

[driftn_silvia]

who did u call??? what ins. co. was it? they only ask if you buy the policy and if your gonna put comp and collision on the vehicle

[jinesz32]

i got all state. they never took a picture of my car =P

[S13Boosts]

that was sooo STUPID lol foreals..

[[email protected]]

They did that for my S14 but that's because I had it insured for appraised value. Other than that I don't see why they would need pics of the car.

Robert

[Dousan_PG]

call around
u need to check w/ at least 5 companies to get a good rate
5 minimum.

i use progressive. great service good pricing
i have 3 cars w/ them....well 2 now since i dropped the 240sx recently.

[Trutrax]

Security National is the name of the insurance company. It doesn't make any sense. I don't even have collision for it and they want me to take it to get pictures taken.

[fliprayzin240sx]

Some companies wants to take pictures of cars so they can have an idea of the condition and get an idea of value of the car after an accident.

[bbejj123]

call around
u need to check w/ at least 5 companies to get a good rate
5 minimum.

i use progressive. great service good pricing
i have 3 cars w/ them....well 2 now since i dropped the 240sx recently.
i agree u should check around...if there gonna be this anal about just insuring ur car i donno how much easier its gonna be if u get in a wreck and have to go through all the accident bs + the way this company would take care of it... idk just my opinion =)

[g6civcx]

how in the f*#$ can I actually modify my car w/o voiding my insurance

You can't. You change the car = you void the contract that was taken out on the original stock car = no coverage.

What company is this?

[cgtdream]

Some companies wants to take pictures of cars so they can have an idea of the condition and get an idea of value of the car after an accident.

Agree. When i signed up for statefarm, they took a couple pics of my car to have records of the condition it was is in when i first joined them..Worked out for me when i crashed it though....

But like what other posters have said, shopping around is a good bet. Anywho, GL :bigok:

[gregfarz78]

Its hard to say b/c you live in canada its going to be different here in the states, but personally I would shop around for a different insurance company

[slider2828]

I went 21st century. Awesome insurance..

[g6civcx]

You can't. You change the car = you void the contract that was taken out on the original stock car = no coverage.

What company is this?

Security National is the name of the insurance company

EDIT: I see it now.

It doesn't make any sense. I don't even have collision for it and they want me to take it to get pictures taken.

The car also affects liability and comprehensive as well as other types of coverage. As far as insurance carriers are concerned, a stock car vs. an average car on Zilvia vs. a D1 car are all different cars even though they started out the same.

Make sense now?