is there any effect the supercharger will make on insurance?

 

Not if you don't tell them :D

 

Of course, not telling them about it could be treated as material misrepresentation on your policy, which could be grounds to denying any claims you may have down the road.

Adding a SC will most likely make your rates go up at least a bit. If you get one, your best course of action is to make sure your insurer is fully aware of it, and that it is factored into your rates.
Of course, you could always call your agent first and simply ask what it would do to your rates if you were to add one...

 

dont tell them. They will jack up your insurance rates.

 

its a dealer installed part. It should not affect your insurance at all. I know people that turbo their cars and their rates don't change.

 

listen to this guy, dont post stupid crap if you dont know jack about what the topic is about. - the same for all the post topics

 

Dealer installed options are not registered in your VIN number and they do not ask what options you have. I know they dont assume that EVRYONE gets a car bonestock. So I THINK that if its an issue they would ask do you have this that or the other thing.

Now if they ask the value of your car you would have to disclose the value of the supercharger in the total value. Because if you say its worth 16,700 and you wreck it, thats all they will cover.

If you say its worth 20,000 they will ask why its so much more than MSRP. Then you will have to disclose the supercharger, exhaust or whatever.

You can have a diamond encrusted steering wheel. Its not fraud, but if it gets stolen and you didnt tell them dont expect the money back.

Same way with a s/c

 

Same with wheels. Just for safety, I told my ins. (State Farm) that I had bought wheels for my MR2 and my agent said "ok, we'll make note" and "to keep my receipt".

 

if you wanna spend more money thats on you insurane companies love to charge for extra stuff

 

the best thing is to tell them and let them know. if not, then you can be screwed in the long run if something was to happen. the premium might go up a little, but it could be worth paying it

 

insure will go up on anything that is not stock, factory or dealer installed on your car inside and out. as far as sc goes heck yea the insure will go up cuz its in a different catagory according to them. short term or long term affects? pick 1

 

That's not true at all. I work for an insurance company and there is nothing in the rating of a policy that involves aftermarket/optional parts. They care about the make, model, year, usage, and miles driven. The only "aftermarket" parts they care about are airbags, ABS, automatic seatbelts, ant-theft devices, etc. becasue these parts warrant a credit to the policy holder. If you were to put a jet engine in your 1996 Toyota Camry it would still be rated as a sedan. The make, model, and year determine what kind of car it is according to the insruance industry (sports, high performance, sedan, luxury, etc.). I will say that if you do get into an accident and file a claim becasue something happened to your supercharger, you might raise a few eyebrows; not becasue of the pressence of a supercharger, but becasue your claim will be for more money than expected.

 

don't ask, don't tell

 

Thanks for an accurate answer. I think this is indisputable.

 

Thanks for an accurate answer. I think this is indisputable.

 

Sorry, but I disagree, with the assessment that it is indisputable, and with the answer itself.
And just for the record, I also work for an insurance company... I write the software that lets them rate automobiles, so I know a little about this kind of thing....
While it is true that the initial rating of the policy may not consider aftermarket parts, there is a good chance that such things are not covered under your policy. If you buy a stock Civic, add it to your policy as a stock Civic, put $12,000 worth of upgrades into it, and then total it, there is no way your insurance company is going to pay you for the car + upgrades. If the company was aware of the upgrades, they would have raised the premiums accordingly, since the risk of loss was greater. Since as far as they knew, it was a stock car, they're going to write you a check for the value of the stock car.
If you have a significant amount of aftermarket work on your car, ask your agent about an "Optional Equipment Endorsement" for your policy. It will raise your rates slightly (depending on how much stuff you have installed), but it will make any aftermarket parts you may have covered under the policy, so when you total the car, you're not out the $12,000 that you were in the previous example.

Therefore, if you get a car and add it to your policy, if you make any significant changes to the car itself (mechanical, performance, dress-up, etc) that alter the characteristics of value of the car, tell your insurance company about it. Otherwise, when you try to file a claim, they can use the misrepresentation as grounds to either partially or fully deny your claim.

Of course, the above only applies to aftermarket equipment. If you have the SC installed at the dealer, and on the original bill-of-sale (as opposed to going back to the dealer 6 months later and buying it then), your insurance company probably won't ask about it specifically. However, a trend develops where a significantly higher percentage of tCs with SCs are totaled than those without, it's entirely possible that they may come back and ask you if you have one at your next renewal.
In either case, when the quote lands on the desk of an underwriter for review, if they knew that there is a supercharger, regardless of whether it's dealer-installed or aftermarket, they're probably not going to give you the lowest rate they can, unless your driving record is spotless, all your past payments are on time, and they think you're a nice guy.

 

So to answer the original question, no, the supercharger will not cause your insurance to increase. But as was previously stated, if somethng should happen to your supercharger due to an accident, it will not be covered since your insurance will only reflect the value of your car as if it were stock or close to it. Optional endorsements are available and these are company specific so you should ask your agent what is offered if you want to insure any aftermarket parts. If you do go this route and it is recorded somewhere that the optional endorsement is for a supercharger (which is unlikely that an overworked agent will take the time to make note of what exactly the endorsement is being added for) you have little to fear. When you are up for renewal, it is unlikley that your policy will be referred to an underwriter unless you have received a few speeding violations, been involved in a major accident, or received a DUI. The major insurance companies only use underwriters in extreme cases and the pressence of a supercharger is not worth this extra cost. Moral of the story: your insurance will not increase beacuse of the supercharger, you can insure optional equipment for an extra premium charge, don't get a bunch of tickets or get into more than 1 accident.

 

In California, this is how we determine your premium if you decide to add extra coverage for the supercharger (which is not mandatory):

"Comprehensive and Collision Coverage for
vehicles which have been customized shall be
rated as follows:
The cost of customizing equipment should be
added to the otherwise applicable Price at Factory
(F.O.B.) to determine the applicable symbol for
the vehicle."

This symbol is essentially a factor that gets applied to your premium, so it's safe to say that depending on how much optional equipment you insure, the higher your premium will be.

 

my insurance company didnt ask me if i had a sc in my car for nothin. they wanted to jack the payment up. if your a prodigy, act like it.

 

What insurance company? I have never heard that before and I've spoken with many agents in the Pacific northwest/coast. I'm not familiar with Georgia, but I can safely say that sounds like a pretty pointless question (common sense says it's not because a car with a supercharger is a greater risk than one without, but from an insurance perspective they have little way to prove you don't if you say you don't). That's like a discount we offer on our howmeowners policy for being a non-smoker; our agents ask if you smoke and if you say no, thats good enough to get 10% off your insurance. I know the DOI in Georgia is a biatch from what I hear, but that seems a bit much. What kind of car did they ask about? Your tC?