Modified Car Insurance Policies Information
If you have a modified car that you hope to get insured, it is important to understand that most major auto insurance companies do not cover cars that have undergone major modifications. Whether the vehicle that you own was imported from another country, or just has just had some modifications done, you will still need to have adequate insurance for it if you plan on driving in the United States. It is a legal requirement that all drivers must at least have basic liability coverage; most people end up getting more than just the minimum amount that is required though.
So where can you get insurance for a modified car? Probably the easiest way to get a cheap modified car insurance policy is to look up specialty insurers on the internet. Request a quote from each one, but in the quote form, let them know that you have a customized/modified vehicle. Although most companies will be able to give you a quote for their insurance policies based on your risk (e.g. age, where you live, your credit score, etc.), you may have to have your vehicle appraised separately so that insurers can calculate the estimated costs associated with insuring the modifications that were made to your vehicle.
In order to avoid the risk of getting dropped from your insurance coverage under a modified auto insurer, you will want to make sure that you disclose all of your modifications. Don't just tell them about a couple changes you made to your vehicle because if you try to hide some from them, they may reserve the rights to immediately drop your policy without further notice. Never set yourself up to get your insurance contract terminated - keep in mind that termination of contract happens a lot to people that are dishonest about their modified automobiles.
Getting a low price on your modified auto insurance can be tough to do, but it is possible. There are plenty of people that drive everyday with modified vehicles; and these people have insurance for them. Many insurers do not like to work with people that own these types of cars because they are a hassle to appraise individually. If you are unable to find an insurer that you can afford with your modified vehicle, it may be smart to think about selling it or at least changing the modifications so that your car looks like a standard model again.
So where can you get insurance for a modified car? Probably the easiest way to get a cheap modified car insurance policy is to look up specialty insurers on the internet. Request a quote from each one, but in the quote form, let them know that you have a customized/modified vehicle. Although most companies will be able to give you a quote for their insurance policies based on your risk (e.g. age, where you live, your credit score, etc.), you may have to have your vehicle appraised separately so that insurers can calculate the estimated costs associated with insuring the modifications that were made to your vehicle.
In order to avoid the risk of getting dropped from your insurance coverage under a modified auto insurer, you will want to make sure that you disclose all of your modifications. Don't just tell them about a couple changes you made to your vehicle because if you try to hide some from them, they may reserve the rights to immediately drop your policy without further notice. Never set yourself up to get your insurance contract terminated - keep in mind that termination of contract happens a lot to people that are dishonest about their modified automobiles.
Getting a low price on your modified auto insurance can be tough to do, but it is possible. There are plenty of people that drive everyday with modified vehicles; and these people have insurance for them. Many insurers do not like to work with people that own these types of cars because they are a hassle to appraise individually. If you are unable to find an insurer that you can afford with your modified vehicle, it may be smart to think about selling it or at least changing the modifications so that your car looks like a standard model again.
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