Cheap Cover For Modified Cars

Whether you've popped the hood, lowered the suspension or added nitrous, we've got you covered

Insure Your Car After Modfifications

Every car buyer is different. Some focus on reliability and stability while others are more concerned with gas economy mileage. Still others are more concerned with the style, speed, and flash of their vehicles. These car buyers generally are those who don’t purchase a vehicle “as is” off the lot, or if they do, they spend a significant amount of time making modifications to it after purchasing it.

The only problem with modifying your vehicle is that the result is typically an increase in your premiums. While there are a number of reasons for this increase, one of the primary concerns is covering the added cost of the vehicle parts into the policy.

Because of these special circumstances, you need to take a few things into consideration when looking for car insurance for you modified vehicle. In most cases, you’ll need to focus on a few key factors for determining the appropriate coverage for your vehicle, including:

  • The degree of modifications to the vehicle
  • The desired insurer
  • The state in which you reside

Differentiating a Modified Car

First things first, it’s important to understand what “qualifies” as a modified car. This class of vehicle is different for your typical sports car, old class, or even a luxury vehicle. A vehicle is considered modified if it has been altered or enhanced for the purpose of appearance or performance. In most cases, this involves modifications made aftermarket. Common modifications include:

  • Custom pain jobs
  • Alterations to the frame chassis, and/or body of the vehicle
  • Any significant performance enhancements.

Selecting the Right Coverage

When you select coverage, it’s important to make sure that coverage includes not only the cost of your vehicle but also the expense of the various modifications you’ve made. In most cases, you can find an appropriate comprehensive car insurance policy that will cover most of the special components on your vehicle. However, you may also want to include equipment coverage in your policy to ensure that all of the extras on your vehicle will be covered in the event of an accident. In some cases, modified cars may also be protected using a type of collector car insurance coverage, so be sure to check with your broker to discuss all of your options.

Unlike others may have warned you, modified car insurance is not hard to find. However, you do need to be careful and read through all of the specifics on your policy to make sure that your car and all of its enhancements are covered on the policy you select.