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Do I need special auto insurance if I modify my car?
I just had some work done on my car. I tinted the windows and changed the muffler. Do I need to report these changes to my car insurance company?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Modifying your car is a great way to update or customize it without having to purchase a brand new car. That said, you’ll want to report these changes to your
car insurance company
. Vehicle modifications, as well as aftermarket parts, are commonly excluded from standard policies. You may need supplemental coverage specifically for aftermarket parts or modifications. Typically, this will be through custom parts coverage. The amount can vary depending on your car’s modifications but often is between $1,000 to $5,000.
If you don’t inform your insurance company of the changes, they could
deny your claim
for damage or an accident. Standard insurance policies typically only cover original equipment installed by the manufacturer.Should your car insurance company not offer custom parts coverage, shop around. Most major companies offer some form of coverage, so it shouldn’t take long to find a policy that suits your needs.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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