Enter Your ZIP Code

How Modified Car Insurance Work?


If you plan to alter your car, no matter how simple the changes are, then you could get higher prices and premiums for your custom car insurance. If you have no idea how insurers to raise prices then here are some good points that you need to know.

How insurance companies changed distinguished from non-modified cars? Insurers categorizing vehicles as modified if one of its factory configuration has changed. This means that any installations or changes, even how small are considered as amendments. Everything from alloy wheels, tinted windows, body kit, etc. are considered changes in the custom look of the car and will lead to high rates modified car insurance. Other amendments relating to the performance of the car's speed and consistent with higher premium compared to regular auto policy.

Because of the risks of getting into accidents, custom cars, which are heavily altered, will not accepted by most insurance companies. Although there are some who can understand you, still your quotes will end up too expensive. In this case, you have to find an insurance company that specializes in custom cars available to avoid spending too much on insurance premiums.

What about appearance with alloy wheels and other equipment? Although not the performance of the car or the speed increase, which increases its value. If the car is stolen, then the prices of both car and its additions will be calculated accordingly. That is the reason why these cars are still considered high risk.

You can now think how they will bill you for these changes that you have made. Unfortunately nobody really knows because it entirely depends on how the insurance company calculates the prices and determines the risks of your custom car. Most of the time, it also depends on the amount of changes you have made in your car. If you want to have an idea, then shop for modified car insurance quotes online.

When providing information for your vehicle, make sure to indicate any changes you have made. If you discover that your insurer does not require any installation, can raise your premiums or even worse, they charge against you and your deal will be forfeited.

There are accessories that can reduce the rates of your modified car. Try upgrading the security devices of your car to reduce the risk of theft, and your insurer will reward you for a discount. Alternatively you can cancel all changes completely. This will not only save you money for your car, but also will give you peace in mind because you will be considered as a low-risk car owner.