Reader’s Question:

My friends in Pennsylvania mentioned something about modified car insurance for the car enthusiasts. But what are modified cars?

Sarah

Pittsburgh PA

You may have constantly been told that if you want your car insurance premium to be lower, you should avoid any modifications to your car. This includes that you should avoid adding enhancements to your car or attaching expensive and luxurious accessories to your vehicle. Naturally, these modifications and enhancements will definitely make your car more attractive to thieves, and thus increasing your car’s risk of being stolen or lost. In return, this will increase your car insurance rates. These days, however, there are modified car insurance specialist that cater to the needs of those who loves to make modifications to their cars.

The car insurance companies define “modified cars” as those any vehicles that has alterations or additions to its factory standard specifications. This includes fitting Nitrous kit on your car, adding neons, changing to alloy wheels and attaching large exhausts. Race cars are naturally the ones most commonly modified. Modified cars are the ones more likely to be driven fast, left outside and stolen, and used in all weather conditions. Normally, car insurance companies will charge you higher for this. But what’s worse is when companies will let you buy their car insurance policy and won’t mention that they won’t cover for the modifications and it’s too late to realize this. Then the deceptive company will only replace you the standard market value of your car. Thus, you have to be truthful with your modified car insurance to avoid complications later on.

Although this sounds common to many car enthusiasts and car racers who love to enhance their vehicles, common people has also the tendency to modify their cars to suit their personality and style. If it can’t be really helped and you got a modified car, there are modified car insurance providers that can cater to your needs and understand your passion with your car. As long as you disclose the modifications in you car with your insurance provider, you can be sure that all bases are covered.