Do insurance companies provide coverage for options beyond the standard trim of a car?

My friend just did some cool customizations to his car and I kind of want the same thing for my car. Will insurance cover that?

Most car insurance companies offer the option to include customizations that go above and beyond the standard for your vehicle in your coverage.
With that said, adding these customizations to your insurance will raise your premium slightly. However, not telling your insurance provider about any mods you get may result in not being able to file a claim if you get in an accident.
It’s important to note that some mods are illegal depending on which state you live in. Always do your research before making any modifications to your vehicle, because what may be fine in one state may cause you problems in another.
If you want to guarantee that your mods are covered in your policy without paying a high premium, consider using Jerry to find a better deal without having to sacrifice your customizations. Jerry is a free app that compares quotes from 50 top providers to save you time and money.
Tessa Szakacs
Answered on Aug 05, 2021

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free