Customizing your vehicle can be an exciting way to personalize it. Modifications can transform your car into something unique, whether it’s a flashy new paint job, upgraded tires, or a powerful engine boost. However, before you make any changes, it’s important to understand how vehicle modifications can affect your auto insurance policy. At Idaho Select Insurance in Meridian, ID, we’re here to help you navigate the impact of these changes on your coverage.

Modifications Can Increase Your Premium

Insurance companies view vehicle modifications as changes that could increase the value of your car or alter its performance. For example, installing a turbocharger or upgrading your suspension can make your vehicle more powerful but also make it riskier to insure. A higher risk typically means a higher premium. Even cosmetic changes, like custom rims or body kits, can raise your rates because they increase the cost of repairs in the event of an accident.

Some Modifications May Void Your Policy

Certain modifications could even result in the cancellation of your policy if they violate your insurer’s terms. For instance, significant performance enhancements that make your vehicle less safe or illegal in certain areas might not be covered. It is always a good idea to contact your insurance provider before making any major changes to your vehicle.

Coverage for Modifications

If you’ve invested time and money into upgrading your car, you’ll want to protect your modifications. Some insurance companies offer additional coverage options for customized vehicles, so your policy should include your modifications.

Contact Idaho Select Insurance in Meridian, ID, today for expert advice on how vehicle modifications affect auto insurance. We’ll help you find the right coverage to protect your car and investment.