So my vehicle needs an insurance inspection.. - Page 2 - #1 Car Club In Kitchener - Waterloo - Cambridge

**Ashleyjojo19** · 07-31-2006, 03:08 PM

I wouldnt worry about it too much, when I had my civic, my insurance company wanted to do a inspection and nothing changed on my insurance.

My car was lowered, rims, intake, exhaust, deck, tint my subs and amp in the back, interior was obviously re-done nothing to crazy but as I said my insurance didnt change.

**mk4-DIESEL** · 07-31-2006, 09:08 PM

Find a better insurnace company lol...im sure they dont give a rats ass about a little deck....they care about more expensive mods...i dunno of an insurance company that denies you when you put a headlight on a motorcycle...thats just rediculous..stupid insurance companies

**AndrewTDI** · 08-01-2006, 07:51 PM

Inspection was today, and was a piece of cake. I'm just paranoid I guess. As for finding another insurance company, after this policy is up... I'm definately finding a new company.

**MADAZ** · 08-02-2006, 12:31 AM

Hopefully they dont do a "random inspection" as well

**AndrewTDI** · 08-02-2006, 01:15 PM

No kidding.

**tk_hondaboy** · 08-03-2006, 12:11 AM

how much do most of you guys pay for insurance? i got a quote from all state for my soon-to-be SIR (1 more week!) and it's $190/month and that's after they saw all the mods on it.

**AndrewTDI** · 08-03-2006, 12:19 AM

I pay way too much. I got sick of shopping around, and just wanted my car on the road, so I bit the bullet and went with the expensive insurance. I'm switching companies as soon as this policy is up. The sad thing is that my car is prolly one of the slowest on the road. But, i've got a ticket against me, and had to go with something economical.

**tk_hondaboy** · 08-03-2006, 12:44 AM

Quote:

Originally Posted by andrewenterprise

I pay way too much. I got sick of shopping around, and just wanted my car on the road, so I bit the bullet and went with the expensive insurance. I'm switching companies as soon as this policy is up. The sad thing is that my car is prolly one of the slowest on the road. But, i've got a ticket against me, and had to go with something economical.

do what i did: go under your sister's insurance. saved me about $600 a month lol. i got 3 huge tickets under my belt.

**AndrewTDI** · 08-03-2006, 01:22 AM

My sister is 12, so that won't work.

**98mk3** · 08-03-2006, 10:07 AM

Quote:

Originally Posted by tk_hondaboy

how much do most of you guys pay for insurance? i got a quote from all state for my soon-to-be SIR (1 more week!) and it's $190/month and that's after they saw all the mods on it.

I pay $184 a month on a 98 VW Golf

**_HeC_** · 08-04-2006, 11:39 AM

$84/month for my 90 4dr cavy, $89/month for my blue Z24

www.belairdirect.com

im 22 with my G and i think 3 tickets

**Pharaoh** · 08-04-2006, 12:41 PM

I pay 215/month on a 2000 Eclipse.......and that's including my speeding tickets........

I am with RBC Insurance, and their policy is I can have as much stereo equipement in my car as long as it's less than 1500 value.

With them, they have their mods in 2 different categories.......mods for looks and style and mods to enhance performance.

The mods for looks and style, like lights, rims, decal.......it's all ok to them because it does not make your car go faster.

Mods for performance........engine mods, body kit (they say it makes it more aero dynamic)..........they forbid that stuff because it makes your car go faster. But thankfully they haven't asked me to go for this inspection thing because I have things in this category.

Anytime I am on the phone with them and they ask if my car is modified, I respond with......."I can barely afford the car, do you think I can afford to modify it" lol, I have been with them for 2 years

**AndrewTDI** · 08-04-2006, 01:53 PM

Yeah, I guess it takes time for rates to go down, but thats the shitstorm you get involved with when you first get licensed.. and me having a ticket certainly does not help. I was told it will go down when I get my G, and when I turn 19, so we'll see how much those factors affect it.

**_HeC_** · 08-04-2006, 06:59 PM

definitly get ur G, i was told by 1 insurance company if u keep ur G2 for 4years in there books u only ahve 1 year expereince and that the years experaicne start adding up once u get ur full G

dbeshara have u not heard of people getting screwed over by there insurance when htey get in a accident or need to make a claim and they find out u ahve been lieing to them for 2 years with what mods u really have?

**Pharaoh** · 08-04-2006, 07:27 PM

Quote:

Originally Posted by _HeC_

dbeshara have u not heard of people getting screwed over by there insurance when htey get in a accident or need to make a claim and they find out u ahve been lieing to them for 2 years with what mods u really have?

well what am I going to do? if I go with any other company my insurance will be much higher. The 215/month that I pay now has full coverage and that is including all the speeding tickets I have.

I am worried about switching because it's hard to find a good price

**_HeC_** · 08-04-2006, 09:11 PM

well whats going to happen if u get in a accident(hopefully not) i beleive they can refuse to payout and ur stuck loosing ur 00 eclipse.......i would personally try and find a company that will insure u wiht everything that u have done

**Pharaoh** · 08-04-2006, 09:31 PM

good idea, anyone have any ideas for insurance company's that are good with modifications?

**_HeC_** · 08-05-2006, 02:59 AM

im with belairdirect and they know about my springs, rims, bodykit, fenders, hood, shaved tails. exhaust, and stereo and tehre fine with it, but for some reason they said tehy wouldnt insure my body with a kit/rims lol im going on my 2nd year adn teh price keeps dropping

**eyedea** · 08-16-2006, 04:35 PM

You have nothing to worry about as long as the sound system you currently have in your car is, as everyone has previously stated, less the $1500 dollars. You can always give them a call and ask the specifics of the policy are in any case.

When i got my car inspected about 6 months ago i have my deck, front and back speakers, and speaker amp all written down by the insurence guy, just provide receipts and most of the insurence companies wont even both raising the premiums, assuming its under their given policy. And, if it ever gets stolen the will cover it.

Even if you have everything and the sub or something easy to remove put you over, simple solution is to just take ti for the time being until your done you inspection.

**AdamCL** · 08-17-2006, 05:06 PM

^^^ you could cover it, but then if it gets stolen your SOL, you paid big money for the products, why not spend a little extra and insure it...

**Ashleyjojo19** · 08-19-2006, 01:42 PM

I just switched over to belair and my insurance is now 152.00 cheaper

good luck to everyone else...

07-31-2006, 03:08 PM	#26 (permalink)
Ashleyjojo19 VM Member Posts: 1,326 Location: Stratford Join Date: May 2005 Ride: 02 Alero/01 Suzuki GSX-R600 Fav Mod: Full hindle pipe Class:	I wouldnt worry about it too much, when I had my civic, my insurance company wanted to do a inspection and nothing changed on my insurance. My car was lowered, rims, intake, exhaust, deck, tint my subs and amp in the back, interior was obviously re-done nothing to crazy but as I said my insurance didnt change. ------------------ *-JoJo-*

08-01-2006, 07:51 PM	#28 (permalink)
AndrewTDI VM Member Posts: 507 Location: Waterloo, Ontario Join Date: Dec 2005 Ride: 1997 VW Jetta TDI Fav Mod: Tech9 Tuning Class: Street	Inspection was today, and was a piece of cake. I'm just paranoid I guess. As for finding another insurance company, after this policy is up... I'm definately finding a new company. ------------------ Need Fast, Free, Reliable Image Hosting? Free iPod Giveaway! Andrew- 1997 Jetta TDI

08-02-2006, 01:15 PM	#30 (permalink)
AndrewTDI VM Member Posts: 507 Location: Waterloo, Ontario Join Date: Dec 2005 Ride: 1997 VW Jetta TDI Fav Mod: Tech9 Tuning Class: Street	No kidding. ------------------ Need Fast, Free, Reliable Image Hosting? Free iPod Giveaway! Andrew- 1997 Jetta TDI

08-03-2006, 12:19 AM	#32 (permalink)
AndrewTDI VM Member Posts: 507 Location: Waterloo, Ontario Join Date: Dec 2005 Ride: 1997 VW Jetta TDI Fav Mod: Tech9 Tuning Class: Street	I pay way too much. I got sick of shopping around, and just wanted my car on the road, so I bit the bullet and went with the expensive insurance. I'm switching companies as soon as this policy is up. The sad thing is that my car is prolly one of the slowest on the road. But, i've got a ticket against me, and had to go with something economical. ------------------ Need Fast, Free, Reliable Image Hosting? Free iPod Giveaway! Andrew- 1997 Jetta TDI

08-03-2006, 01:22 AM	#34 (permalink)
AndrewTDI VM Member Posts: 507 Location: Waterloo, Ontario Join Date: Dec 2005 Ride: 1997 VW Jetta TDI Fav Mod: Tech9 Tuning Class: Street	My sister is 12, so that won't work. ------------------ Need Fast, Free, Reliable Image Hosting? Free iPod Giveaway! Andrew- 1997 Jetta TDI

07-31-2006, 09:08 PM	#27 (permalink)
mk4-DIESEL VM Member Posts: 7 Location: Breslau Join Date: Jul 2006 Ride: 2002 Jetta TDI Fav Mod: Muffler Economy Class: Street	Find a better insurnace company lol...im sure they dont give a rats ass about a little deck....they care about more expensive mods...i dunno of an insurance company that denies you when you put a headlight on a motorcycle...thats just rediculous..stupid insurance companies

08-02-2006, 12:31 AM	#29 (permalink)
MADAZ VM Member Posts: 103 Location: Waterloo Join Date: May 2006 Ride: 1999 Mazda 626 Fav Mod: Class: All Out	Hopefully they dont do a "random inspection" as well

08-03-2006, 12:11 AM	#31 (permalink)
tk_hondaboy VM Member Posts: 93 Join Date: Jul 2006 Ride: Fav Mod: Class:	how much do most of you guys pay for insurance? i got a quote from all state for my soon-to-be SIR (1 more week!) and it's $190/month and that's after they saw all the mods on it.

08-04-2006, 11:39 AM	#36 (permalink)
_HeC_ VM Member Posts: 1,391 Location: London Join Date: Sep 2004 Ride: 1990 Cavalier Z24 Fav Mod: Class:	$84/month for my 90 4dr cavy, $89/month for my blue Z24 www.belairdirect.com im 22 with my G and i think 3 tickets ------------------ FDP 62MM TB, FFP Performance Chip, FFP Underdrive Pully, WAI, Hi Flow Cat, 2.5\" Catback, Functional Ram Air Hood, Centerforce Dual Friction Clutch

08-04-2006, 12:41 PM	#37 (permalink)
Pharaoh I Do Not Live In A Pyramid!! Posts: 1,586 Location: Kitchener, Ontario Join Date: Apr 2005 Ride: 2000 Mitsubishi Eclipse GS Fav Mod: Custom Stereo Class: Street	I pay 215/month on a 2000 Eclipse.......and that's including my speeding tickets........ I am with RBC Insurance, and their policy is I can have as much stereo equipement in my car as long as it's less than 1500 value. With them, they have their mods in 2 different categories.......mods for looks and style and mods to enhance performance. The mods for looks and style, like lights, rims, decal.......it's all ok to them because it does not make your car go faster. Mods for performance........engine mods, body kit (they say it makes it more aero dynamic)..........they forbid that stuff because it makes your car go faster. But thankfully they haven't asked me to go for this inspection thing because I have things in this category. Anytime I am on the phone with them and they ask if my car is modified, I respond with......."I can barely afford the car, do you think I can afford to modify it" lol, I have been with them for 2 years ------------------ www.psaclub.net Power<>Style<>Autosport

08-04-2006, 01:53 PM	#38 (permalink)
AndrewTDI VM Member Posts: 507 Location: Waterloo, Ontario Join Date: Dec 2005 Ride: 1997 VW Jetta TDI Fav Mod: Tech9 Tuning Class: Street	Yeah, I guess it takes time for rates to go down, but thats the shitstorm you get involved with when you first get licensed.. and me having a ticket certainly does not help. I was told it will go down when I get my G, and when I turn 19, so we'll see how much those factors affect it. ------------------ Need Fast, Free, Reliable Image Hosting? Free iPod Giveaway! Andrew- 1997 Jetta TDI

08-04-2006, 06:59 PM	#39 (permalink)
_HeC_ VM Member Posts: 1,391 Location: London Join Date: Sep 2004 Ride: 1990 Cavalier Z24 Fav Mod: Class:	definitly get ur G, i was told by 1 insurance company if u keep ur G2 for 4years in there books u only ahve 1 year expereince and that the years experaicne start adding up once u get ur full G dbeshara have u not heard of people getting screwed over by there insurance when htey get in a accident or need to make a claim and they find out u ahve been lieing to them for 2 years with what mods u really have? ------------------ FDP 62MM TB, FFP Performance Chip, FFP Underdrive Pully, WAI, Hi Flow Cat, 2.5\" Catback, Functional Ram Air Hood, Centerforce Dual Friction Clutch

08-04-2006, 09:11 PM	#41 (permalink)
_HeC_ VM Member Posts: 1,391 Location: London Join Date: Sep 2004 Ride: 1990 Cavalier Z24 Fav Mod: Class:	well whats going to happen if u get in a accident(hopefully not) i beleive they can refuse to payout and ur stuck loosing ur 00 eclipse.......i would personally try and find a company that will insure u wiht everything that u have done ------------------ FDP 62MM TB, FFP Performance Chip, FFP Underdrive Pully, WAI, Hi Flow Cat, 2.5\" Catback, Functional Ram Air Hood, Centerforce Dual Friction Clutch

08-04-2006, 09:31 PM	#42 (permalink)
Pharaoh I Do Not Live In A Pyramid!! Posts: 1,586 Location: Kitchener, Ontario Join Date: Apr 2005 Ride: 2000 Mitsubishi Eclipse GS Fav Mod: Custom Stereo Class: Street	good idea, anyone have any ideas for insurance company's that are good with modifications? ------------------ www.psaclub.net Power<>Style<>Autosport

08-05-2006, 02:59 AM	#43 (permalink)
_HeC_ VM Member Posts: 1,391 Location: London Join Date: Sep 2004 Ride: 1990 Cavalier Z24 Fav Mod: Class:	im with belairdirect and they know about my springs, rims, bodykit, fenders, hood, shaved tails. exhaust, and stereo and tehre fine with it, but for some reason they said tehy wouldnt insure my body with a kit/rims lol im going on my 2nd year adn teh price keeps dropping ------------------ FDP 62MM TB, FFP Performance Chip, FFP Underdrive Pully, WAI, Hi Flow Cat, 2.5\" Catback, Functional Ram Air Hood, Centerforce Dual Friction Clutch

08-16-2006, 04:35 PM	#44 (permalink)
eyedea VM Member Posts: 265 Location: Waterloo Join Date: Jan 2006 Ride: 1994 Pontiac Grand Am GT Fav Mod: Class:	You have nothing to worry about as long as the sound system you currently have in your car is, as everyone has previously stated, less the $1500 dollars. You can always give them a call and ask the specifics of the policy are in any case. When i got my car inspected about 6 months ago i have my deck, front and back speakers, and speaker amp all written down by the insurence guy, just provide receipts and most of the insurence companies wont even both raising the premiums, assuming its under their given policy. And, if it ever gets stolen the will cover it. Even if you have everything and the sub or something easy to remove put you over, simple solution is to just take ti for the time being until your done you inspection. ------------------ Joel 94' Grand Am GT Coupe

08-17-2006, 05:06 PM	#45 (permalink)
AdamCL VM Member Posts: 5,408 Location: Kitchener Join Date: Apr 2005 Ride: 2002 Dodge Intrepid ES Fav Mod: Class: Street	^^^ you could cover it, but then if it gets stolen your SOL, you paid big money for the products, why not spend a little extra and insure it... ------------------ 1997 Volkswagen Golf CL - SOLD 1994 Volkswagen Jetta GL Turbo Diesel - RIP I have 3.5 Litres at my disposal, I'd like to use them all!

08-19-2006, 01:42 PM	#46 (permalink)
Ashleyjojo19 VM Member Posts: 1,326 Location: Stratford Join Date: May 2005 Ride: 02 Alero/01 Suzuki GSX-R600 Fav Mod: Full hindle pipe Class:	I just switched over to belair and my insurance is now 152.00 cheaper good luck to everyone else... ------------------ *-JoJo-*

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