So i just got my adjusted insurance rate in and the insurance company seems to think the 02 TL-S is lowered which brought the rate up 500$. i have mercury insurance. i feel this is the biggest batch of bull shit i ever have seen. my buddy at acura will say the car is not lowered and my broker states that the car is not lowered.

my question is: Is this a common fee that everybody gets if they have a lowered car, or is this just a scam?

Of course i did not state this with mercury insurance in the initial quote with my broker. what are my options if any.

thanks,

Mrproul

 

Thats odd. My insurance is through Geico and they did even ask if my car was lowered. I say shop for a different insurance company.

 

How'd they get the idea it's lowered?
If you just said TL on the application, and they found out it's a TL-S, you're probably stuck.
Insurance is all about probabilities and history data. If the data shows that TL-Ss get in more accidents than TLs, you get to pay more. The only thing you can do is shop around.

 

check the policy it has to have that included in there......if it is your stuck....

 

I have geico and when I signed up I told the guy it was a TL only, and when he put in the vin# it showed that it was actually a Type-S. It only made a diff. of about 20bucks in total. It makes sense, a TL-S is worth a lil more. But I don't see how they would know if your car was lowered, unless you told them, i doubt that, or they came and measured your car. Try Geico, I pay 1200 a year for 2 full coverage cars, im only 26. CLEAN DRIVING RECORD, since 16.

 

That is some serious bullshit. I have a lowered car, big wheels and and dark windows....as far as my insurance company is concerned...I have a 2003 Acura TL Type S.....end of story..

Drop that insurance and get with another company that has a fuggin clue

 

Cars which fall under the "performance modified" clause of lowered or obvious wheels and other mods can be charged more or denied coverage

You cant hide the Type S from your insurer and expect them to honor a claim later- yes the VIN tells all, but they can say you misrepresented the car.

To fight a claim that your car is lowered- take the factory specs from Acura and the owners manual and take measurements. Maybe those 19s are making it look off!!
"Your Buddy at Acura says" is not good enough- factory specs with actual measurements

I parked next to an 02-S with my stock 01-P and was certain my car was a good inch lower with same size wheels. There was a visual differance that I did not measure

 

Thats a load of sh!t.

 

Get new insurance.

 

is it lowered though?

 

 

State Farm caught this on me too!

 

thats what i figured also yes the car is lowered but not by much about 1 1/2" in the front and 1" in the back. the funny thing is is when i went to the broker to sign all the paper work they came out took pictures told me my car was lowered i of course told them they were full of shit had the manager look at it the manager looked at it and said that it wasn't lowered i will be dropping mercury insurance they must be from another planet.

It is just one big old scam!

my dad sells all kinds of insurance but he wont sell car insurance because of all the bull shit regulations that the states put on insurance company's. if we want it easyer on us i guess we could lobby our representatives but i am sure that the insurance company's have them in there deep pockets to.

mrproul

 

Mercury's data must show that lowered cars cost them more in claims. You get to pay more, because statistically, you are a higher risk. You might be the best driver in the world, but Mercury has no way to know that.
Insurance companies aren't trying to bend you over, it's just about calculated risk.
There's a reason males under 25 have high insurance costs. They wreck cars. 2 of 'em, in my case.
Shop around, and be honest up front.
Good Luck.

 

well i just got off the phone with geico and they said that what mercury insurance is doing is not only wrong but should not have any effect on premiums, they said that i could have the biggest most ubber fastest beast on the road and the fact is that it is your driving record and zip code that determins cost of premiums. and age of course male or female so on and so forth also the brokers fees are what kills you in your initial cost.

But i guess i can look on the bright side at least i get the good driver discount of 10$ off of my premium a month.

mrproul