How Car Modifications Can Impact Your Auto Insurance

Modifying your car can be a fun way to personalize your ride or enhance its performance, but it can also significantly impact your auto insurance rates and ability to find coverage. Whether you’re adding a turbocharger, custom paint job or upgraded sound system, insurers often view modifications as changes that increase risk levels.

Types of Vehicle Modifications and How They May Affect Coverage

Consider how the following possible changes and augmentations might affect your auto insurance costs and coverage options:

• Performance enhancements—Upgrades like engine tuning, suspension changes or turbochargers can make your car faster or more powerful. While exciting, these modifications may increase the likelihood of accidents or theft, prompting insurers to raise your rates or even deny coverage.

• Cosmetic changes—Custom paint, body kits or aftermarket wheels may not affect your car’s performance, but they can still raise your insurance costs. These changes often increase the vehicle’s value, which means higher repair or replacement costs in the event of a claim.

• Technological advancements—Installing advanced tech like GPS trackers or dash cams might actually lower your premiums, as they can deter theft or provide evidence in case of an accident. However, entertainment systems or custom lighting may have the opposite effect, as they increase your vehicle’s replacement cost.

Before making any changes, it’s wise to consult your insurance provider. Understanding how modifications may affect your policy can help you make informed decisions and avoid surprises down the road.

How to Find the Right Auto Insurance Near You

At Action Plus Insurance in Oklahoma City, our knowledgeable and experienced team understands that your vehicle is more than just a method of transportation; it may also be a prized possession. However, as you customize and modify your ride, you’ll also want to make sure you remain sufficiently covered.

Contact us today to learn more about coverage options and find a policy that suits your vehicle and its modifications.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.