Kill switch for Cummins

thomasmnile wrote:

schlep1967 wrote:
Talk to your insurance agent about "Full Replacement Value". You can get that on your policy and it shouldn't cost much more.

Unlikely on a 2004 vehicle. GEICO offers a full replacement cost rider for vehicles that are 0-5 years old.

Yeah, that doesn't exist unless you get an appraised value type policy for a classic vehicle, afaik. Not applicable to daily drivers.

Whole lot of speculation in this thread about insurance.
Also, OP is looking for advice on a kill switch, which has been given and not too difficult or expensive.
Other option, security system.
None of these will likely stop a pro from getting it.

But "not getting what it's worth from insurance" is an age old battle.
It's you vs a for profit corporation.
That said, one's idea of what it's "worth" has to be within reason of what the market value is. We're not talking rare antique artifacts here. Just everyday run of the mill vehicles.
One has some risk that they will lose "modifications" if not able to retrieve them (like in the case of a theft), but by the same token, market value is market value.
How much do you want to pay to insure something that is worth more "to you" (insert emotional response here) than to the general public.
If the market demands $20k for a comparable truck, you'll get that much or close to it, if you stick to your guns.

And if you're THAT worried about it getting stolen, do something about it. (Like the OP is planning to do)

I'm glad and fortunate that the theft of any single vehicle or toy wouldn't place us in a financial bind, even if completely uninsured. And I understand those who have more of their eggs in baskets that are easily (relatively) stolen. But best you can do is try to make it less easy to steal or less attractive to steal and go on about your life!