how are the insurance companies trewating you guys with 5L rangers.
im in the process of picking one up and am kinda wondering what i would be looking at.

i was quoted 195/month for a stock 88 ranger reg cab 4x4, only 10$ more than my 90 f150 reg cab 5L.
but when i got that quote i didnt reallize that modifications make a big difference.
this will be comprehensive only.

the truck has a pre 1979 302 thats been built a little with 4" suspention lift, and 3" body lift.
or should i keep my mouth shut and if they dont ask im not lieing, but i will be atracting a bit of attention and will probably be pulled over regularly

if any one could help me a bit it would be really apretiated
thanks

 

Call a different insurer and ask them for a quote. That'll answer your question without alerting your insurance company.

 

I don't care what you drive, THAT is what's hurting your insurance the most. I'm insuring three vehicles right now, including an '05 Mustang with full coverage, for $153/month.

 

ive only got one ticket and it was only 15 over no pionts, as far as the insurance knows, if they even know at all, either way my rates never went up after.

 

I'm surprised they'd even insure you, considering putting a V8 in one of these makes the vehicle illegal for on-road use as far as the EPA is concerned!

 

The V-8 jumps it up there right off the bat.

 

You must be either young or have a bad driving record. I have full coverage on 3 vehicles and a boat trailer in a high theft risk area for less than 195$ a month.

Also, you cant just get comprehensive insurance. That is optional after you have liability and collision, as far as I know anyway... Also, why would you get comprehensive on a truck that old?

 

sorry your right, i meant lability only, my mom called me today at work and said she called my ins. company today and they wont even insure it at all, and by calling and saying all that she made it so i have to go with a different company, and so far state farm was giving me the best deal.

 

I'm with state farm and I insure my 04 Ranger, my 05 Focus, and my renters insurance all on one policy for $150 a month. My F350 is on a business policy so it is different. And on my personal policy I have full coverage with roadside assistance and a $0 deductible on comprehensive and a $250 deduct. on collision. When I was driving my mustang I was only carrying liability on it but my payment was only $26 a month.

 

Eric,
With you only being 17 it's going to be expensive to insure any "performance" vehicle. I'm 45, haven't had a ticket or accident in 25 years, and my insurance company doesn't care what I drive. I had full coverage on a '65 Shelby Cobra replica for $71/month. Liability on my V8 Ranger is no more than when it was a 4 cyl. At 17 you don't have any history with the insurance companies. It's like getting a loan, if you don't have any credit history (your insurance company uses this too!) it's tough to get a loan.

Age does have it's benifits.

 

OK Eric. This is very simple.

Your insurance company will be working off the truck's dashboard VIN.

Let's say your V8 Ranger began life as 4-cylinder. That will be in the VIN and that's all the insurance company needs to know. You will be paying rates according to how the insurance company views the value of 4-cylinder Rangers. The insurance company never looks under your hood!

If this truck is highly modified and would be a serious loss if it were stolen or highly damaged, you might want to get the truck's value appraised. Then work with the insurance company on a different type of policy to cover the truck better.

As far as the police your registration and be adjusted. People do this all the time when they swap motors or change the color of their vehicle. Don’t worry if the VIN says 4-cylinder and the registration says V8.

There are no laws saying you can’t change out motors.

Do you have any emissions testing to deal with?

 

ok, thanks for all the help guys..
im going to have to go in and talk to the company somtime
what you said dave was exactly what i thought, and what my boss also told me, but my parents are saying that if i ever did get in an acident that involved a lawsuit and they looked at the vehicle that as soon as they found the V8 that i would not be covered, and would have to pay for it for the rest of my life.

what i want to know then is why they imediatly said they would not insure it at all as son as they knew it was a 5L, but i guess the real question is is do they still have to pay out if they dont know that????

it is a far bit modified and would really suck if it did get stolen but i wont be insuring for that anyways because it just adds more to the price, and around here not much stuff goes missing and if i does most of it is found in the river the next morning.

thanks again, this truck should be home shortly and i need to get somthing worked out cause i really want to drive it, i just needs some carb tweeking, u joints before i can drive it, so its only a nice days work away.

i will have to get it e-tested as its an 88, and have been told there is a performance or "hotrod" e test i would have to go for, the previour owner never delt with that because he just registered it to a freinds house that lives in an e-test free area.

 

The insurance company is only dealing with the VIN. You will pay the insurance premium for the coverage the VIN dictates.

I only think that your parents are trying to look out for you. A V8 Ranger has the potential to be a powerful vehicle. Some 302’s get 300hp to the rear wheels with only Bolt-on parts.

Keep us posted.

 

well i found out that they do need to know if its modified, so if i ever did make a claim they would use it as an excuse not to pay.

state farm has told us they WILL NOT insure anything modified at all pretty well because of all the street racers in toronto with the ricers that keep killing people.

ill just have to find an insurer that will insure it and not care whats in it, or be able to find proof that a ranger did come with a 5L, witch as far as i know they never did in any model, unless if i could mabee say its out of an older ranger, like the ones that were just f100s with ranger badging???


either way im bringing it home tommorrow and will try an through up a pic or 2 of it.

 

the motor doesnt make a truck a dangerous hazard, the operator does. sure you might have potential for inflicting more damage with a 302 vs a 4 cyl but if you drive a 4 cyl stupidly enough, you could wreck just as badly. no ranger ever came stock with a V8. the F100-F350's that had ranger badging were a whole other animal. in the '70's full-size trucks could come with a "ranger" package. it mainly ment more chrome, better seat,claerance lights on some.id just keep whats under the hood under wraps. let them beleive what the v.i.n. says. thy would never check it out or would motor size play a part in a traffic-ticket write up or accident report. my 1st ranger had a dual outlet muffler with a pipe going to each rear corner, dual exaust smoke from a 2.3 , never raised any flags with anyone. for the most part just use your head when driving it, like you would anything else. you could look up the v.i.n. and see what the original motor was if you would be asked. but in all the years ive insured vehicles, all they wanted was the v.i.n. thats all the information i gave. no problems.