Product to protect catalytic converter

[Even Steven]

I've been driving for 30 years and have never been involved in an accident and haven't had a ticket in 25 years. I spend less that $750 a year to insure my 4Runner and that is with a 0 decuctable for comprehensive coverage. I don't think it's a rip off.

It's absolutely a ripoff and I'll tell you why--

You are the perfect candidate to raise your deductible to at least $1000.00. Why? Simple--higher deductibles mean you pay less premiums. And if you drive for 30 years without having an accident, you don't even have to worry about paying your deductible!!!

Here's a quick rundown of the numbers for Joe Blow or some other imaginary driver:

He pays $1200/year to insure his 4Runner. That includes full coverage. His deductible is $200.

Now imagine if Joe Blow decided to raise his deductible from $200 to $1000. On average, his annual premium would drop to about $800/year. That's a savings of about $400/year in his insurance bill. But wait--what happens if Joe gets into an accident and has to cough up $1000? True, he's now responsible for $800 more than he was with his $200 deductible. But lets just say that Joe drives for two years without getting into an accident. Now he's saved $800 in insurance premiums. If he gets into an accident after two years, then he breaks even. In other words, his higher deductible costs him $800 more, but it also saved him $800 in premiums, so he breaks even.

Now imagine if he drove for 10 years without getting into an accident. He has saved $4000. If he should get into an accident, paying the extra $800 for his higher deductible means nothing when he's already saved $4000.

Insurance companies love guys like you with perfect driving records and no deductibles. You make them a ton of money. If I were you, I'd raise my deductible today and start saving money

 

[simple]

It's absolutely a ripoff and I'll tell you why--

You are the perfect candidate to raise your deductible to at least $1000.00. Why? Simple--higher deductibles mean you pay less premiums. And if you drive for 30 years without having an accident, you don't even have to worry about paying your deductible!!!

Here's a quick rundown of the numbers for Joe Blow or some other imaginary driver:

He pays $1200/year to insure his 4Runner. That includes full coverage. His deductible is $200.

Now imagine if Joe Blow decided to raise his deductible from $200 to $1000. On average, his annual premium would drop to about $800/year. That's a savings of about $400/year in his insurance bill. But wait--what happens if Joe gets into an accident and has to cough up $1000? True, he's now responsible for $800 more than he was with his $200 deductible. But lets just say that Joe drives for two years without getting into an accident. Now he's saved $800 in insurance premiums. If he gets into an accident after two years, then he breaks even. In other words, his higher deductible costs him $800 more, but it also saved him $800 in premiums, so he breaks even.

Now imagine if he drove for 10 years without getting into an accident. He has saved $4000. If he should get into an accident, paying the extra $800 for his higher deductible means nothing when he's already saved $4000.

Insurance companies love guys like you with perfect driving records and no deductibles. You make them a ton of money. If I were you, I'd raise my deductible today and start saving money

Interesting. I will probably increase my premiums the when I renew. I pay almost 2 grand (on the cheap side) for six months, never had an accident, but I'm under 25. Right now my deductible is 500. But still isn't getting a cat replaced somewhere along the lines of 2000 grand anyway depending on how bad they jack up your pipes?

 

[BC4Runner]

It's absolutely a ripoff and I'll tell you why--

You are the perfect candidate to raise your deductible to at least $1000.00. Why? Simple--higher deductibles mean you pay less premiums. And if you drive for 30 years without having an accident, you don't even have to worry about paying your deductible!!!

Here's a quick rundown of the numbers for Joe Blow or some other imaginary driver:

He pays $1200/year to insure his 4Runner. That includes full coverage. His deductible is $200.

Now imagine if Joe Blow decided to raise his deductible from $200 to $1000. On average, his annual premium would drop to about $800/year. That's a savings of about $400/year in his insurance bill. But wait--what happens if Joe gets into an accident and has to cough up $1000? True, he's now responsible for $800 more than he was with his $200 deductible. But lets just say that Joe drives for two years without getting into an accident. Now he's saved $800 in insurance premiums. If he gets into an accident after two years, then he breaks even. In other words, his higher deductible costs him $800 more, but it also saved him $800 in premiums, so he breaks even.

Now imagine if he drove for 10 years without getting into an accident. He has saved $4000. If he should get into an accident, paying the extra $800 for his higher deductible means nothing when he's already saved $4000.

Insurance companies love guys like you with perfect driving records and no deductibles. You make them a ton of money. If I were you, I'd raise my deductible today and start saving money

My collision deductable is already that high but raising my comprehensive deductable which covers items like glass and the subject at hand only reduces my premium by $32 per year. In my case it's not worth the savings at this point. Good discussion though!

 

[JP4RNR]

Another way to protect your cat is to get a big dog

 

[jsgreen]

So -is anybody seriously considering getting this thing?

 

[Kenn]

Correct me if I am wrong. Our (4th Gen) 4runner cats are located near the headers underneath the engine. In order for a thief to steal the 4th gen one, the skid plate needs to be removed. I heard that it is very cumbersome to reach it yet use a saws-all to cut it out. However, 3rd gen 4runners, tacos, tundras, older toyota trucks, toyota cars are located in the middle of the body in plain view. I have read numerous blogs, forums, news reports and not one 4th gen cat has been stolen.

Again, correct me if I am wrong.

 

[simple]

Correct me if I am wrong. Our (4th Gen) 4runner cats are located near the headers underneath the engine. In order for a thief to steal the 4th gen one, the skid plate needs to be removed. I heard that it is very cumbersome to reach it yet use a saws-all to cut it out. However, 3rd gen 4runners, tacos, tundras, older toyota trucks, toyota cars are located in the middle of the body in plain view. I have read numerous blogs, forums, news reports and not one 4th gen cat has been stolen.

Again, correct me if I am wrong.

If the CAT is what I'm thinking of, it is NOT covered by a skid plate. I just looked under my vehicle, and also the pictures on the website say its on a 2004 4runner.

 

[Even Steven]

My collision deductable is already that high but raising my comprehensive deductable which covers items like glass and the subject at hand only reduces my premium by $32 per year. In my case it's not worth the savings at this point. Good discussion though!

Okay, so you don't have a zero deductible then.... you should have said that in the first place!

BTW, I only have one deductible for both collision and comprehensive.

 

[simple]

After getting inspired by another post on here, I developed my own way to secure my cat. Here's a how to.

1.) All I had was string(wire or cable will work better if you have it), you need about 2 feet split into 2 halves. I piece you tie around the cat, the other actually secures the security device to the frame of th vehicle. Anyway...at this point, you're only concerned with tying the first half around cat, either end of pipe will do.

2.) 2, use a bowline knot, or something stronger if you know it. Main thing is...you want it to NOT give way.

3.) Tidy up, the reason I like string is because its smaller. This is just the prototype, but Ideally I'd like the cable or string to e a rusty color and blend in with the Converter. I DON'T want the thief to knows it there.

4.) Secure string to LOOP in security device. Thinking now, I think its best to secure the security device to the cat and the cable to the frame in order to limit damage. Still working out the kinks.

It doesn't really deter the theft as much as it will deter future thieves from stealing cats. SOmeone will just have to take one for the team, publicity will also be needed.

**And before anybody gets their panties in a bunch or the FBI comes a knockin at my door, I was doing some mods to my ride, and I found this novelty in my garage. It is NOT real, its one of those desk displays that says, complaint dept. Take a number. Haha, thought somebody might get a laugh.

 

[SCA]

So -is anybody seriously considering getting this thing?

I have considered it, but I do not want to be a beta tester.

 

[awolf]

Thanks Simple

It made me laugh. I was following the whole "protype" approach and then saw your punchline. Very cool! Thanks for the post.

 

[mole177]

:lmao:

oh man..
hahaha

 

[The Catlock]

Don't become a victim of catalytic converter theft!

The Catlock (patent pending) is an anti-theft device for catalytic converters that locks the catalytic converter to the vehicle's frame using an aircraft-quality steel cable, preventing a thief from removing it.

At just $99, and taking only 10 minutes to install with no special tools, it's hard to find better value in a catalytic converter anti-theft device.

Order your Catlock today and it will ship in 24 hours, go to www.cat-lock.com or call 520-720-0778.

 

[T4R4ME]

Anyone here ever try one of these locks or come up with some other type of device to protect the cat? I don't have a 4th gen but a 2nd. Someone in the complex I live in just had his stolen from his 3rd gen. There are several more 1st, 2nd, and 3rd gen 4Rs here, so I have a feeling they'll be back. They also pried open his gas door while they were at it, put a nice dent in his quarter panel and gas door. Guess they were looking for free gas as well.

Thanks!!!

 

[spinn]

Anyone here ever try one of these locks or come up with some other type of device to protect the cat? I don't have a 4th gen but a 2nd. Someone in the complex I live in just had his stolen from his 3rd gen. There are several more 1st, 2nd, and 3rd gen 4Rs here, so I have a feeling they'll be back. They also pried open his gas door while they were at it, put a nice dent in his quarter panel and gas door. Guess they were looking for free gas as well.

Thanks!!!

Damn, sucks to be that guy. Oh, that was me.

Funny to find this post, since I'm now looking into the catclamp.

After spending $1700 to replace with a Toyota factory cat, it's time consider extra protection. Even though my insurance deductible was $100, I don't want to keep doing this. I'm just hoping it's not someone inside our complex doing this and that this was a one-time thing. I moved out of SF to get away from this sort of thing.

 

[Jeffkin]

Has anyone here installed a CatClamp and still had their Cat stolen?

I have a chance to buy one, brand new in box for $100. I'm thinking I should.

Catalytic Converter Theft Prevention Lock