How to Save Money on Modified Car Insurance.

Apply These Secret Techniques To Improve Modified Car Insurance Save Money

What can you do to save money on modified car insurance?

Modified cars are a pretty dime a dozen. And unfortunately, they also come with a price.

Many drivers have found themselves at the wrong end of an insurance company’s decision, and suddenly their rates were going up drastically. However, there are things that drivers can do to help lower their premiums!

If you’ve been driving around with a few modifications, here are some tips for saving money on your modified car insurance.

The Importance of Modified Car Insurance

Driving a modified car is a pretty common practice. But unfortunately, drivers often underestimate the risks they take by driving around with modifications.

Fitting your car with aftermarket parts is not only a way to modify it visually, but also to improve its performance and power.

While this might sound like fun and games for some, there are serious consequences that come with the territory.

The more modifications you make to your vehicle, the more likely you will be to get into an accident or collision with another driver.

The higher risk of getting into an accident means that you’re also more likely to be involved in a claim and receive a claim denial from your insurance provider. This leaves you with no valid insurance coverage and can result in serious financial repercussions.

As such, many drivers choose to make their own modifications instead of purchasing new parts from their manufacturer or dealer. For those who own high-powered cars or sports cars, they may have even more modifications than others do!

Fortunately for these drivers, there are steps they can take to combat their increased risk of being denied by an insurance provider.

The first thing any driver should do is contact their insurance provider before any work is done on their vehicle so they know what kind of rates

Lowering Your Rates

If you’re looking for a way to lower your rates, you’ve come to the right place. There are a few ways that drivers can save money on their modified car insurance.

First and foremost, drivers should consider using liability-only coverage. This type of coverage is only meant for incidents in which damages caused by the driver exceed $500. It also covers damage to other cars or property.

Drivers who use high levels of coverage may be targeted by certain insurance companies for higher premiums, so it may be worth it to reconsider how much you need and what you want covered.

Another option is getting a good driver discount.

Many insurance companies offer a good driver discount if the driver has been with them for a period of time without any accidents, convictions, or claims filed against them. This discount is usually about 20 percent off the total premium cost and can make a significant difference!

Finally, drivers should consider installing safety features as they will likely be covered as part of the policy as well as raise their deductible from its standard amount (usually $500). If you have been considering installing features like airbags or anti-lock brakes, now is the perfect time!

What’s Covered?

It’s important to know what kind of modifications are covered by your insurance company. Different companies have different guidelines.

Some modifications are not covered at all, while others may only be partially covered. For example, some insurance companies may cover the loss or damage to a modification up to a certain dollar amount or percentage of the total value of your vehicle, but not both.

For instance, if you have a spoiler on your car that costs $500 and it is damaged in an accident for $200 worth of damage, the insurance company would only cover $200 worth of repair because they have no obligation to pay more than 50% of the original cost of the car’s spoiler.

Since many cars come with factory-installed parts these days, it can sometimes be difficult to decide what is and isn’t a modification. Generally speaking, anything that has been added as an aftermarket accessory is considered a modification. This includes things like sunroofs, spoilers, tinted windows and roll bars among others.>>>END>>

Who Pays?

Car insurance companies are strictly regulated by the state. The law will dictate which driver is responsible for paying for car insurance coverage in the event of an accident.

The law considers insured drivers to be those who have officially purchased or leased their vehicle. If you’ve purchased or leased your vehicle, you’re insured (unless your insurer says otherwise).

Insurer responsibility will depend on whether you’re at fault in the accident and how much damage was done.

If you’re not deemed at fault in the accident, then your insurer will pay for damages to its own vehicle.

If you’re deemed to be at fault in an accident (whether it’s a little bit or a lot), then the other driver’s insurer will pay for damages to his/her car.

In case there is no damage or if both insurers deem themselves at fault, then drivers need to go through their own insurers for repairs and reimbursement.


After reading this post, you should have a good idea of how to save money on modified car insurance.

The main takeaway for this post is that the more modifications you have on your car, the more you will pay for your insurance. But with some research and negotiating, you can find a company that offers lower rates for modified cars.

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