Are Your Car Modifications Covered Under Auto Insurance?

Are Your Car Modifications Covered Under Auto Insurance?Tricked out your car? Make sure your bling machine is protected.

For some car owners, ‘blink is king’ and style and speed are essential. If your newly modified car is looking (and sounding) pretty cool, you’ll need to make sure that it’s insured currently. Even though you have the coolest vehicle around, you may face a raise in your auto insurance rates.

What is a modification?

Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car.

Is there more risk with a modified car?

Auto insurance is based on risk, and car modifications increase the following risks:

  • Accidents may increase. Those with a modified car can be considered riskier to insure as they have a reputation for driving on the wild side.
  • Your car will be more desirable. Therefore, the likelihood of theft may increase.

How can I get coverage?

A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:

  • Supplement coverage – Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.
  • Classic car insurance – Your car is a prized possession. Work with an insurance agent that appreciates your personalized vehicle.

If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for specialty insurance that is the right fit for your vehicle. Visit the professionals at Kurt Rolf Insurance Agency, serving motorists in Hopkins and neighboring cities in Minnesota.