had anyone here ever gotten lower rates for back seats in a FC? i was thinking about throwing some in to lower rates.

 

That was the sickest thing I've ever seen! What kinda car do you have w/o reverse?

 

Take his advice- find another company. There are so many to choose from it really pays to shop. Find a local "independent agent" cause he will have access to many companies. Also check the State Farm/Farmers/AllState/etc folks. If you have copies of your current coverage & VINs, you can just hand those over- then they don't have to ask a bunch of questions and it doesn't really take you that long to get lots of quotes. Insurance is based on such weird things these days (like credit and how far you got in school) that what works for one guy can be vastly different from another.
Honestly- every company sucks for somebody at some point. Especially when you are dealing with older cars that we have invested so much time and effort into. Reality is that even though a well-modified RX may be worth something to you and me, the general public doesn't care that much, so it gets reflected in the insurance payouts.
If you tell them, there is the possibility they will refuse coverage. If you don't tell them, you'll probably be okay until claim time. At which point they will inform you that the $5k you spent on the swap doesn't matter that much to them. You'd be lucky to get a few hundred dollars in consideration. Best thing to do is call your agent with 'hypothetical' questions. And make them give you real answers.
This is just a semantics issue. Just cause company A labels it and company B doesn't, doesn't mean it will necessarily affect the rate differently. It may, but that isn't a guarantee. Your insurance rate has far more to do with other factors (credit score, prior coverage amount, home ownership, driving history, etc) than with the vehicle.
Seems pretty unlikely. Rating 'symbols' are vased on VINs. I just looked at a couple of companies and they have no differentiation for back seats or not.

 

i have progressive im 19 with a speeding ticket 58 in a 35 drive an fc and only have 31/2 years experience and pay 26 bux a month plus to add the 300 z im buying is an extra 5.
lol