What kind of insurance do I need for a lowered Jeep Renegade?

I’m about to buy a new Jeep, and one of the very first things I want to do is lower it. My mom says it’s going to be hard to find insurance if I modify my car. Is that true? Will I be able to get insurance for a lowered Jeep Renegade?

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Answer provided by
Heather Bernhard
Answered on May 05, 2022
Hey, there! I have some good news and some not-so-good news. First, the good news: you will be able to get insurance for a lowered Jeep Renegade. The bad news is, it’s probably going to cost you a little more than usual.
Standard auto insurance policies rarely cover vehicle modifications for various reasons. As far as lowered vehicles go, problems include:
  • Reduced traction
  • Steering problems
  • It’s more challenging to clear road obstacles
  • You’re more likely to bottom out
These issues make it more likely that you’ll get in an accident or that your vehicle will become damaged in some way. In addition, lowered cars are more prone to theft.
Check with your current provider to see if they offer custom parts and equipment coverage. If not, you may need to look into a specialized insurer.
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