Lift vs. Insurance
 

I have been shopping for different insurance and one company has refused to insure my Jeep because of the lift. Has anybody else encountered such a thing?

My lift is quite moderate, it is only 3 1/2 inches.

The company is Ameriprise through Costco.

Farm Bureau never even asked to see my XJ, but since it is an 85 I can only get liability on it. Probably the difference between being in Ky and CA.

Don't tell them it's lifted?

Don't know how good a insurance company is through Costco. I have progressive and they did everything over the phone with me. Didn't ask to see my jeep or any work that has been done to it.

Too late! They asked for pictures of all of my vehicles prior to insuring.

I only wanted liability and they were still spooked, don't understand why.

X2, If anything happens it was lifted after you insured it but you provided a picture. In my experience I have never had an insurer ask for a photo just registration information.

I've had my XJ insured by multiple companies throughout my years of ownership and not a once has any asked for pictures.

Only thing I can think of to make them ask for photos would be if you ask to cover it for more than the book value. If the book is $4k and you ask them to cover it for $6k to cover accessories that have been installed, I imagine they would ask for photos. Sort of like trying to insure a classic Mustang you have restored or similar vehicle.

I have USAA. They didn't ask about the condition of the vehicle at all, none of my vehicles. I only have liability, so value of the vehicle never came up. I can see a Costco insurance company asking questions like that and shying away from ANYTHING modified. They are out to provide the cheapest rate, so anything atypical costs more one way or another. Higher risk.

Really ??


Liability means they pay for others when you mess up and hurt them.

A lifted truck is a modified truck, and as such, an increased risk of something breaking on it resulting in a wreck or of it being driven recklessly and causing damage to others when you lose control....which means they have to pay out $$$.

Do you really not get why they are spooked ??

Just like a Hellcat Charger or Challenger....price out insurance on one of those....they want 2k MORE per 6 month than I am paying now for 3 vehicles....why ?? because it has too much power for the average person and can very easily get out of control. Same principle. By the way, I have 0 tickets & 0 accidents on my record for the past 15 yrs or so........and a credit score well north of 800........so it ain't me !!


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OP'er, you might want to shop around for another insurance company.

I've had a bunch of different insurance companies over the past decades.
None of them asked for pictures of my vehicles.
The vehicle year, model, VIN, State resided in and license no. is all they needed by phone.

I saved hundreds of dollars/year for my 4 vehicles switching from Farmers to Geico....
2 full coverage and 2 liability only including my XJ.

I hit a deer or i should say it hit me a few months ago and Geico was right up front immediately. Repair was fixed in one day.
No i don't work for them! lol

That's what deer do :)

Comparing a Hellcat that can go from 0-100 in 7.2 seconds to a Jeep that will never see 100 isn't a great comparison. They would insure the Hellcat but not a lifted Jeep. If they wanted a little bit more money that would be OK. This was a flat rejection.

I second this. Geico was cheaper than progressive by quite a bit. Progressive also dicked me around for awhile when I cancelled my insurance with them. I had double coverage for two months because an incompetent employee decided they didn't feel like doing their job when I called in to cancel and they owed me that money.

15 minutes could save you 15% on car insurance!

Sorry had to throw that one in. I have Geico on my Jeep and my DD. When I added the XJ, it only went up like $10 a month (multi car discount helped). Full coverage as well. No pictures required. 14 years of a clean record here.

I work with a lot of insurance companies on a daily basis. Ameriprise being one of the more difficult to deal with, both from a repair standpoint and for the policy holder.

Heres my personal opinion just from having dealt with all of them extensively.

Top Tier: State farm, Allstate, AAA, USAA

Mid tier (also decent to deal with)- Geico, Farmers/21st Century

More difficult to deal with/wouldnt necessarily recommend - Progressive, Natl General, ameriprise, met-life, liberty mutual, esurance.

only time i ever needed pics to insure a vehicle when when i was getting historic insurance for my cars. never for anything that i just wanted liability on..

every company ive ever had, never asked for mods or photos. Vin #, Miles driven per year, purpose and full coverage or liability only. Sounds like you need to get a new company.

They may check for a lift if you have an insurance claim involving a car crash
 

My Safeco insurance never asked if my 96 XJ was lifted. It wasn't lifted, but they point is they never asked and they didn't care when they were taking my money for years.

However, when I got rearended at a stop light (though no fault of my own) and the offending Honda Civic went under my XJ, the insurance investigator asked me on the phone if my Cherokee was lifted. I said no. He came out to inspect my XJ to verify that I had no lift.

Point being, reputable insurance companies will check before taking your money. Questionable insurance companies will check before you take their money. If you are lifted, your legal standing is weakened in the event of a crash, even if the crash isn't your fault. Insurance companies are looking for an excuse to either charge you more money, or avoid paying on legit claims. A lift gives them a good pretext to treat you unfairly, even when the crash isn't your fault.

My current XJ is a 99 XJ with lift 1.25" front, 1.75" rear, and 30" tires. To a person who knows XJs it's obviously lifted, but the general public can't tell if its lifted. It fits 30 x 9.5 R15 or 245/75R16 ATs (I've tested them both). I like LCOG lifts for better cornering, and also because insurance companies don't know it's lifted. My 99 XJ was visually inspected by Farmers insurance guy before they'd sell me insurance. He looked at it and walked around it. He didn't know it's slightly lifted, or he didn't care. Plus it corners great.

I think it's whether it's obviously lifted that they care about. Minor-LCOG lifts they don't notice or don't care about.

If you look at speed only ...true.

The point wasn't the money...it was the fact that as the power level OR modification level goes up, so does the liability and chance that something will go wrong and they will have to pay.......and it seems that insurance company just didn't want to deal with it.

A little bit more ???.....a Hellcat would cost me 5 times what I am currently paying a year for a 2012 Ram, 2 cherokees, a bass boat, and a camper (all have full coverage $100 ded, and the boat has an agreed upon 50k value)

I had an IROC-Z back in 86....and I was told by a major insurance company (I think it was Allstate) that they didn't want to insure it, but if I paid 'X' amount per year, they would....that 'X' was twice as much as a corvette, cuz for 2-3 years there, they were stolen more than vette were.


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When i was a teenager way back when, being the gear head i was i got two speeding tickets. Allstate dropped me like a hot potato..right or wrong!
I will never ever insure with Allstate again. Maybe they changed their policy but no matter.

Far as Farmers, yes they honor their claims but they are ripoffs money wise.
I had my house burglarized a few years ago and they did ok honoring my claims.
However, in addition to switching my auto insurance from Farmers to Geico, i also switched to Geico for home insurance. Cut my bill in half. And it was a royal PITA getting Farmers to cancel my policy with them.

Hmm. I'm using Farmers. Maybe I should shop for a better price. I do like that they don't notice or don't care about my lift though.

Teenager with two speeding tickets, I wouldnt necessarily blame your insurance company for dropping you. :o

Also something to note when shopping for insurance. There are a few companies out there that wont use aftermarket parts for repairs, OEM and recycled OEM only. Of course some exceptions like glass, radiators/ac condensers. But they will only use OEM bumpers, body panels, etc.

State farm and AAA are the only two that I know of that use OEM only.

Doesn't matter, it still left a bad taste after all these years!
I get occasional telemarketing calls these days from Allstate persuading me to switch over,
I tell them to $%^&*^& and hang up.:icon_mad:

I have an 85XJ and 96F150 insured through Farm Bureau and it costs me about $350 every 6 months for liability plus $25 per year for membership.( I think it is $60 if not from a farm)

Several years ago my exGF totaled my 99 TransAm. Told them we ran off the road, they went to the shop we had it towed to and after one look cut a check for full retail book, not a single problem at all. Of course I have been with them since I was 16yo (49 now) so maybe they give me a little off for that too.

My agent anything i wanted full coverage on he would say bring it by so he can look at it.If it was just liability he asked year make model and gave me a number over the phone.And yes a insurance can tell you to kick rocks if you have mods they don't like.A lift will change your center of gravity so you could roll the jeep easier then a stock one.

I'm sorry but I couldn't pass this part up. You don't have a LCOG lift. What you have is a small lift, sir. Or is this what the kids are calling it now when they only go 1.75"?





Do you even LCOG Bro??
https://cimg5.ibsrv.net/gimg/www.che...226a2d8af4.jpg

I carry full coverage on mine and all my company wanted was a few photos of all the options I had added to for the added policy limit, including lift, winch, bumpers, everything.

Are you sure you really want to post that on a public forum?

Why not?
Since then i've put into place all kinds of security devices ready to spring on any other nar-do-wells.
By the way the County Sheriff caught and arrested them with the ring leader last i heard gonna serve 32 yrs. in the State pen. Was told it was the '3 strikes your out law' here.