Do I need to obtain modified car insurance if my car’s suspension has been lowered?

Molly

Tulsa, OK

Car insurance companies require their clients to report if their cars have been modified. This is because there are a large number of modified car owners who file claims against their insurer. This could be due to the accidents attributed to the different handling of modified cars because of lowered suspension or adding of wider wheels. Additionally, modified cars will need special parts, thus will cost the insurer lots of money if repairs or replacements need to be done.

It is for these reasons that you will need to be forthcoming with your car insurance agent about the modifications made to your car. Since the car’s suspension has been lowered, the handling of the car may be greatly affected. This could mean that you may get into more accidents than car owners who have the regular manufacturer’s design. And as such, you will get to pay higher premiums. To get lower modified car insurance, try engaging the services of a seasoned car insurance broker. This way, his expertise on specialty car insurance will be very helpful when negotiating for the terms of modified car insurance coverage for your vehicle. Another way is to ask your friends with modified cars for advice on which car insurance carriers to go with.