if so how much is it costing u? i got a quote $40 a year additional. yalls think its worth insuring?

 

Depends on the wheels. Most people buy XXR or Rotas, where if they even get a scratch it is cheaper to throw them away than to fix.

Is the $40 to add them in addition to your collision coverage? If so, what is your deductible? If it is $500+, then it probably isnt worth it.

I have USAA and my wheels are covered anyways without paying extra.

 

nah i wouldnt insure cheap wheels. my deduct is $500 my premium is $380 6 mos. yea the $40 a year is to add to my coverage. i got me some volk gts'. i wouldnt make a claim for small stuff. this if for the event my car is totaled or wheels are stolen. otherwise they would only cover the cost of stock wheels

 

just put replica center caps on them. best theft deterrent.

 

i kno ur jus joking but doesnt help that volk racing is imprinted on the spoke of each wheel lol. speaking of caps anyone kno which caps to buy for volk gts wheels. low or high? i may consider replacing the ones thats on there

 

you cant even tell..

 

I tried to get additional coverage for my Volks through AAA...The premium was ridiculous and it only covered up to $1 or $2K iirc.

 

Your comprehensive insurance already covers the cost of stock wheels and tires. Stock wheels run about $600 each plus $1k for tires and $400 for TPMS and mounting/balancing. Last time I remember someone filing a claim for stolen stock wheels, dealer quoted $4400 for replacement. How much of that you actually get is dependent on how good your insurance company is. Cut rate companies like Erie, General, ect will pay pennies on the dollar and you will have to fight them. Companies like USAA will just give you 80% on the dollar (personal experience). So unless your wheels are worth more than 4k, it isnt really worth getting additional insurance on them.

 

hmm so according to my dealer when i checked the price per wheel for 03 7 spoke wheels its about $950 each. if the insurance company really goes by those prices then yea its better to get the value of the stock wheels. but i coulda swore insurance companies go by their own rate/book. idk the details but i recall they had their own guidelines they went by and it wasnt full dealer price.

anyone who works in the insurance company have an answer? one thing my agent told me is that if i do insure my wheels i should insure the full value for a replacement set and not wat i paid for them which is wat i thought was the smarter play bc i thought if i left it as stock wheels id get barely anything for it.

 

^ I think that's called insurance fraud

 

i talked to my agent and he said that if i were to make a claim for wheels and wanted a check instead they would give market value. how thats calculated idk and he doesnt know but its gotta be less than half considering the age of the car. or if i really did want the stock wheels replaced then they would source it from the dealer or whoever else would supply it. so if i do go the additional coverage route id do full value of $5k for the aftermarket wheels. . gotta have my agent recalculate the premium

 

You are an idiot.

 

stock wheels for a g do not cost 4k that's the dumbest **** i ever heard

 

^brand new from the dealer is about $950 each. we are talking about insurance and replacement and value.

 

no insurance company on this planet is going to give you $950 for one stock wheel from 12 years ago. get real