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What modifications affect car insurance?
What modifications change my car insurance coverage? I'm considering adding modifications to my car, but I'm worried they will affect my rates and coverage.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While
comprehensive coverage
will sometimes cover aftermarket parts, it’s not a guarantee. If your policy does cover modifications, it’s typically only $1,000 worth of coverage. Depending on the modifications you make, you may need more coverage. Certain modifications may also significantly increase the value of your vehicle. These include:
- Electronic accessories like extra headlights, audio, and video accessories
- Chrome bumpers, fog lights, alloy wheels, and spoilers
- CNG/LPG kit
- Fiberglass fuel tank
If you want modifications covered by your insurance, you’ll need to report these changes and seek additional coverage. Most companies offer custom parts and equipment coverage. This extra coverage can provide up to $5,000 worth of additional coverage for custom parts and modifications.
You can reach out to your current insurance to find out what custom parts coverage they offer. You should also shop around. Comparison shopping ensures you get the best price for the coverage you need.
You can request quotes online or use
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