Should I tell my insurer about modifications to my car, and if so, will it raise my rates?

I like doing modifications to my vehicle, but I'm not sure if doing so will affect my insurance rates. Should I tell my insurance company about the modifications I plan on doing?

Answer
“Modifications to your car can tailor your driving experience to your styles and preferences. But in terms of car insurance, you should always let your provider know about these modifications, though minor modifications (such as aesthetics) generally don’t need disclosing.
If you fail to disclose mechanical, frame, or other major modifications, your car insurance company could deny a claim if you get into an accident.
In most cases, making modifications to your car will raise your rates. This is because insurers have found that drivers who make modifications are more likely to file a claim.”
avatar
Eric Schad
Answered on Apr 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
thumb-up

Did this answer help you?

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

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