If you’ve seen “The Fast and The Furious,” you understand the extremes of vehicle modifications. Whether you change the color of your car, add spoilers, or upgrade your window tints, you are modding your vehicle. Customizing your vehicle can make it easier to drive and more fun to show off your style. Keep reading to find out how modding your vehicle affects your insurance.
What Is Car Modification?
Any enhancement made to your vehicle that wasn’t manufactured at the factory is considered a modification. Common aesthetic elements include special lights, custom paint jobs, or upgraded stereo systems. Some people modify their vehicles for better performance, which includes strut bars, new rims, or engine turbochargers.
Since a standard policy doesn’t fully cover these parts, you may have to add a specialized approach to your insurance. However, some companies won’t insure enhanced or modified vehicles.
The Importance of Declaring Your Mods
Now that we understand car mods, we can get into how modding your vehicle affects your insurance. Insurance companies will declare your modification as high or low risk. While upgrading your air conditioning is considered low risk, adding flared wings or a specialized paint job may be considered high risk. Insurance companies believe that customizing your vehicle with high-risk accessories can increase the chances of an accident, especially mods that increase the speed and power of the car.
Failing to declare your customizations can result in your insurance supplier dropping or invalidating your policy. It can also slow your claim process or prevent you from claiming if these mods aren’t within your policy. Declare your modifications, and add protection with your insurance company ASAP.
Modifications That Could Lower Your Premium
Are you looking to lower your payments for your customized vehicle? A few modifications can actually decrease your monthly expenses! Safety features like alarms, rear and front cameras, and high-quality headlights can make your driving experience safer. Ask your provider for more information on what you can add to your car to make your drives safer and premiums more affordable.
At Saferoad Insurance, we strive to provide insurance information to make your policy shopping easier. If you’re searching for cheap car insurance in Anaheim, we’re here for you! Contact one of our agents today for a free quote and more information on what modding can do for your monthly rate.