# If you care about your modified car, read this
**URL:** https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935
**Category:** Shift518 Automotive
**Created:** [September 13, 2008, 6:44pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935 "2008-09-13T18:44:06Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@TurboTravis](https://forums.speedlife.net/u/TurboTravis)
#### Post date: [September 13, 2008, 6:44pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/1 "2008-09-13T18:44:06Z")
My Corvette books for about 22k, but if I were to sell it, I’d take no less then 40K. Given that, I recently insured it with Hagerty insurance. I was able to put 40K of coverage on it, and I was 100 percent honest with the modifications that are done to it. It’s more expensive then my old coverage (Geico)…it cost me 1290 for the year vs. like 500 a year or whatever for Geico, but the peice of mind and secure feeling when driving the car are priceless.
Travis
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### Author:  [@lconrad](https://forums.speedlife.net/u/lconrad)
#### Post date: [September 13, 2008, 6:45pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/2 "2008-09-13T18:45:08Z")
whats the #
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### Author:  [@Auto0utcast](https://forums.speedlife.net/u/Auto0utcast)
#### Post date: [September 13, 2008, 6:45pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/3 "2008-09-13T18:45:28Z")
:headbang
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### Author:  [@Mk4\_30R\_Ban](https://forums.speedlife.net/u/Mk4_30R_Ban)
#### Post date: [September 13, 2008, 6:47pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/4 "2008-09-13T18:47:22Z")
> [@lconrad](#):
>
> whats the #
yes you need that number.
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### Author:  [@TurboTravis](https://forums.speedlife.net/u/TurboTravis)
#### Post date: [September 13, 2008, 6:47pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/5 "2008-09-13T18:47:41Z")
> [@lconrad](#):
>
> whats the #
Not sure the # off hand Ray but it’s just [www.hagerty.com](http://www.hagerty.com)
Obviously when they ask you if you drag race say no:) I didnt have to tell a white lie there though since I never plan on taking my car to the strip.
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### Author:  [@Mk4\_30R\_Ban](https://forums.speedlife.net/u/Mk4_30R_Ban)
#### Post date: [September 13, 2008, 6:49pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/6 "2008-09-13T18:49:22Z")
i think ive seen something about them on speed channel once on dream car garage or something.
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### Author:  [@Vovchandr](https://forums.speedlife.net/u/Vovchandr)
#### Post date: [September 13, 2008, 7:21pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/7 "2008-09-13T19:21:02Z")
Yep, once you get your car appraised to the proper amount that it’s worth over the OEM version of it, you can get insured for it. Obviously it will be a higher coverage, but it’s very much worth it in the end if you have a lot of money into your car that insurance will never recognize.
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### Author:  [@Boost\_Creep](https://forums.speedlife.net/u/Boost_Creep)
#### Post date: [September 13, 2008, 7:46pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/8 "2008-09-13T19:46:32Z")
I also have my car through hagerty they will not take every car though. Ray I have an awesome agent let me know if you want the number. Insured for 40k
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### Author:  [@Code\_Blue](https://forums.speedlife.net/u/Code_Blue)
#### Post date: [September 14, 2008, 1:06am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/9 "2008-09-14T01:06:01Z")
I will have to check them out for next year when I drive the integra more.
The basic principle behind this is Agreed Value insurance…
I don’t know if they would take my car though. The KBB value is 8k lol and I’ve spent a LITTLE more than that
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### Author:  [@Jammer](https://forums.speedlife.net/u/Jammer)
#### Post date: [September 14, 2008, 1:18am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/10 "2008-09-14T01:18:42Z")
A company/…previosuly or maybe still, currently, “Rally” Insurance, was soooooo affordable I had no choice. There is coverage for modified cars, use it. Listen to travis… but shop it, Haggerty’s is not the #1 option for everyone.
Why??? because Haggetry’s is underwritten by them.
[http://www.aimbo.net/business/695/review-of-the-rally-insurance-group/](http://www.aimbo.net/business/695/review-of-the-rally-insurance-group/)
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### Author:  [@JiM\_P\_2001](https://forums.speedlife.net/u/JiM_P_2001)
#### Post date: [September 14, 2008, 7:35am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/11 "2008-09-14T07:35:56Z")
Only $40 more per month to cover my car to $40k… Thats sweet. I’m gonna switch in Feb when my policy runs out with geico.
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### Author:  [@GearheadNY.com](https://forums.speedlife.net/u/GearheadNY.com)
#### Post date: [September 14, 2008, 8:23am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/12 "2008-09-14T08:23:23Z")
Hagerty was great until NYS tacked on a $150 surcharge for under 25 years of age. My insurance went from $320 for the year @ $20k to $650 in just 2 years, lol. Don’t worry, there’s hope, when you’re 30…
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### Author:  [@Boost\_Creep](https://forums.speedlife.net/u/Boost_Creep)
#### Post date: [September 14, 2008, 9:45am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/13 "2008-09-14T09:45:15Z")
> [@Jammer](#):
>
> A company/…previosuly or maybe still, currently, “Rally” Insurance, was soooooo affordable I had no choice. There is coverage for modified cars, use it. Listen to travis… but shop it, Haggerty’s is not the #1 option for everyone.
>
> Why??? because Haggetry’s is underwritten by them.
>
> [http://www.aimbo.net/business/695/review-of-the-rally-insurance-group/](http://www.aimbo.net/business/695/review-of-the-rally-insurance-group/)
Problem with Rally is that there is a huge grey area that if you car is totaled and your not going to and from a car show it wont be covered. Not to mention you cant get more than 5000 miles a year. I dont drive that much with my Supra, but I know some of you guys DD your cars.
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### Author:  [@Jammer](https://forums.speedlife.net/u/Jammer)
#### Post date: [September 14, 2008, 8:48pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/14 "2008-09-14T20:48:31Z")
> [@RBakerian](#):
>
> Problem with Rally is that there is a huge grey area that if you car is totaled and your not going to and from a car show it wont be covered. Not to mention you cant get more than 5000 miles a year. I dont drive that much with my Supra, but I know some of you guys DD your cars.
Not with my policy…Its all covered, daily driver etc… but only up to 6000 per year max use.
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### Author:  [@Code\_Blue](https://forums.speedlife.net/u/Code_Blue)
#### Post date: [September 14, 2008, 11:54pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/15 "2008-09-14T23:54:32Z")
Hmm I will have to check that out. Kinda hard for them to find out about the mileage :ninja
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### Author:  [@dirty\_petock](https://forums.speedlife.net/u/dirty_petock)
#### Post date: [September 15, 2008, 12:14am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/16 "2008-09-15T00:14:41Z")
Try Grundy worldwide.1800-338-4005. Its a collector car insurance company.
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### Author:  [@Hooked\_on\_240](https://forums.speedlife.net/u/Hooked_on_240)
#### Post date: [September 15, 2008, 12:16am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/17 "2008-09-15T00:16:09Z")
> [@Code Blue](#):
>
> Hmm I will have to check that out. Kinda hard for them to find out about the mileage :ninja
yes “mileage” :lol
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### Author:  [@Code\_Blue](https://forums.speedlife.net/u/Code_Blue)
#### Post date: [September 15, 2008, 1:58am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/18 "2008-09-15T01:58:50Z")
bitch are YOU correcting MY spelling???
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### Author:  [@Ilya](https://forums.speedlife.net/u/Ilya)
#### Post date: [September 16, 2008, 10:36am UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/19 "2008-09-16T10:36:08Z")
Too bad us guys with modified DD’s can’t insure with them. My Maxima doesn’t qualify, even though I’ve put $4,000 worth of parts on it. Oh well.
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### Author:  [@Jammer](https://forums.speedlife.net/u/Jammer)
#### Post date: [September 16, 2008, 6:09pm UTC](https://forums.speedlife.net/t/if-you-care-about-your-modified-car-read-this/238935/20 "2008-09-16T18:09:40Z")
> [@Ilya](#):
>
> Too bad us guys with modified DD’s can’t insure with them. My Maxima doesn’t qualify, even though I’ve put $4,000 worth of parts on it. Oh well.
Be creative, insure a cheap daily that you dont drive…I/E/ buy a 200 junker, insure it, park it if you need to, consider it your daily.
I have insured everything…including cost of mods… affordably. You need to look nationally. Im not gonna read this to see if it fits, but try here… [http://www.rallyinsurance.com/modifiedkit.html](http://www.rallyinsurance.com/modifiedkit.html)
There is a “track exclusion”, but no one here expects track coverage.
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