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Auto insurance/rooftop tent???

Discussion in 'General 4Runner Talk' started by ExJeeper, Aug 28, 2020.

  1. Aug 28, 2020 at 1:13 PM
    #1
    ExJeeper

    ExJeeper [OP] New Member

    Joined:
    Aug 19, 2019
    Member:
    #10952
    Messages:
    20
    Gender:
    Male
    First Name:
    Michael
    Long Island, New York
    Vehicle:
    2019 4Runner TRD Pro
    Roof top tent
    Ok so weird question but I’m currently auto insurance shopping a.k.a leaving Geico and going with State Farm and they want me to bring my 4Runner in on Monday so they can take a picture of it for their records. Now my question is:

    Will they consider my rooftop tent/awning a modification and raise my premium because of it or do I not have to rush and take it off before Monday, after my trip this weekend??

    I know, weird question but any input is appreciated!
     
  2. Aug 28, 2020 at 1:48 PM
    #2
    TRDPro916

    TRDPro916 New Member

    Joined:
    Jul 13, 2019
    Member:
    #10535
    Messages:
    235
    Gender:
    Male
    Vehicle:
    4Runner Pro
    Currently stock; MODS coming soon.
    No, it shouldn’t raise your premium.
     
  3. Aug 28, 2020 at 2:14 PM
    #3
    Dillusion

    Dillusion New Member

    Joined:
    Dec 10, 2018
    Member:
    #7998
    Messages:
    2,687
    Gender:
    Male
    First Name:
    KYle
    Vehicle:
    2018 TRD OR
    I'm surprised State Farm wants you to bring it down.

    I'm on car #8 with them and haven't had to bring it down once to show my agent. My premium hasn't gone up with any mods. I just verbally give them a list.
     
    TRDPro916 likes this.
  4. Sep 1, 2020 at 7:47 AM
    #4
    ExJeeper

    ExJeeper [OP] New Member

    Joined:
    Aug 19, 2019
    Member:
    #10952
    Messages:
    20
    Gender:
    Male
    First Name:
    Michael
    Long Island, New York
    Vehicle:
    2019 4Runner TRD Pro
    Roof top tent
    I think it’s because I’m switching companies and they probably want to make sure my 4Runner isn’t crashed up before they add me.
     

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