I am finding that some insurance companies refuse to cover my car if i lower it. I am looking to drop it just an inch but even this is enough to disqualify me from using their services. They argue that lowering increases the handling and therefore promotes faster and riskier driving. I thought improved handling was a big tick in the safety column but i can see the point they are trying to make.

I have noticed that so many on the forums have lowered their cars, do you guys have insurance lol, and ball park of how much you pay extra just because your car is lowered. I was told that 17" by 7 width is the max for wheels too.

Finally, where do i even go to get my car lowered, lol? I am new to this stuff so i don't know much.

Depending on your age and driving history some insurance companies won't let you have certain mods.

If your planning to do a few mods I would go with JustCars, There quotes include any modifications as long as they are legal.

Dropping a magna 1" will be fine as it will still be higher than 100mm off the ground, as for wheels this is a touchy issue but 8" to 8.5" wide rims should fit without clearance issues but you should be covered in case of and accident. Also, depending on what year/model ur car is state that you have standard 17x7s from factory and get a tyre placard from a VRX or verada GTiV from mitsu spare parts if your that worried.

shannons FTW!!!!!!!!!!!!!!!

my car

agreed value $35k

all mods listed, unlimited mods!

$400pa

Must be your driving history, because RACV down here have insured me for all my mods at no extra cost, and i'm lowered just over an inch.

shannons FTW!!!!!!!!!!!!!!!

my car

agreed value $35k

all mods listed, unlimited mods!

$400pa


yer but shannons wont insure anyone under 25

Nah, i'm rating one and only ever had to claim because of hail damage which wrecked the roof and body of my TH magna. Hardly my fault and i am over 25 too. I don't understand it.

Have just started ringing around to more companies, NRMA allows 17" wheels and 30mm lowered, will try RACV and Budget Direct next.

Try AAMI they allow certain mods. Get a quote on-line and there is provision to enter what mods you have.

im with AAMI and they cool with as many mods you have unless you under 25, then its a limit of 2 mods. Reasonable premium too for rating 1. Might shop around after i get my rating 1 for life though to see if theres a better deal out there :D

I'm with Ryno, don't mind lowering, dark tint, rims, wider tyres and the frosted tail-lights (despite being illegal).

Just had to have a light output test on the tail-lights and they were all good with it.

Have had two repairs done through them and not had a single issue, quick and easy and choice of repairer.

im with nrma had my magna insured with them since i got it stosk standard and recently put 17'' rims tints lowered springs bodykit exhaust and $1100 worth of stereo and it only increased my monthly payments by $2.21 and im 24 years young :)

shannons FTW!!!!!!!!!!!!!!!

my car

agreed value $35k

all mods listed, unlimited mods!

$400pa
+ whats the excess?

Have just started ringing around to more companies, NRMA allows 17" wheels and 30mm lowered.

hmmmm..... I'm with NRMA and yeah the 30mm lowering thing is right (although I'm lower) but they have insured me for 18"s on my TJ. isnt it like 2" larger the standard diameter max for legallity?

hmmmm..... I'm with NRMA and yeah the 30mm lowering thing is right (although I'm lower) but they have insured me for 18"s on my TJ. isnt it like 2" larger the standard diameter max for legallity?

There's no 2 inch diameter rule. It's the rolling diameter of the tyre mustn't be a certain % difference. Also the rim must not be more than 1" wider than stock, ie 7 inches.

I am with RACQ (queensland) which is the same as RACV, RAA etc etc. Mine is lowered 60mm at front, got 18" wheels, stereo, etc etc.. all on the insurance list. (However, their max lowering they accept is 50mm, so i said i have 50mm. hehehe)

Insurance hasn't gone up at all with all this listed. I pay under $500 a year, with excess of $600 i think it was.. not too sure on that one.

Just Cars are a rip!!

They want $1500p.a to insure my 01 Advance! And it's only lowered, tint and extractors!

what about if your 20yrs old? Is anybody around my age and have a good insurance company for mods aswell? i was going to look at shannon's but after reading this obviously not anymore. :doubt:

im 22, have mags as my mod and my insurance is $750. (also have tint)

Aami only lets u have 1 mod grrrr

I had my last TH with AAMI also, they did mention number of mods but after i told them of the upgraded alam system (Viper, with all the trimmings) they gave me my agreed value at $650 per year.. But that was 2 yrs ago.

+ whats the excess?


$400 excess :P

Im with Allianz (spelling?) its $540/year.
That includes $2k worth of audio gear and a strut brace.
Next year when I turn 25 hopefully insurance will be much easier and more options, but for now they were the best I could find. I am VERY limited with what modifications I can do though.

It sounds like if you can wrangle a deal with a company go for it because there is so much talk and some of it conflicting and this can depend on who you actually speak to over the phone. Two different workers at the same company could make statements that allow for different things.

I just spent a good part of the last week dealing with a large financier operating in Sydney to get them to remove finance off of the car i bought and everytime i rang to follow up on the same query i was told so many different things.

My new ride is temporarily insured to allow me time to shop for the company that will allow me to mod my car for a good price. I'll let ya's know who i end up with.

just say its off the rallliart then its classed as genuine parts i did lol

ive got rims, dropped, exhaust only told them bout the cannon, the redback i said it was cheaper to replace as non genuine part then a geniune muffler cause i told them that the old 1 was rusted. hehe. spotted ground effects kit all for under 700 with aami

how u guys rekon i'll go with insurance....18, lost lisnece, lowered, pod filter, stereo,17"rims

(pulls at collar):doubt:

I'm with AAMI, and as said beforehand, if you're a driver under 25 you can only have two "performance" modifications. Mine include rims and lowering (hence why i don't have a fancy exhaust yet :P )
I've got no extra cost to my insurance. Also they didn't actually know about these mods until someone crashed into me, haha.