Will Customizing My Car Impact my Auto Insurance Premium?

You may have turned your car from a zero to hero, but you may have incidentally turned your auto insurance from inexpensive to expensive. 

Did you make your car go from a standard common sedan to one that could potentially land a spot in the latest Fast and Furious movie? If so, we want to congratulate you on your awesome-looking car, but we also want to let you know that you may have just increased the premium on your auto insurance.

There are two primary reasons as to why people customize their car:

  1. To make the car more practical for you.
  2. To make the car perform better.

Here are some commonly asked questions regarding the customization of your car.

Do I need to notify my insurance agent when I make changes to my vehicle? 

Yes – if you modify or make any practical changes to your car, make sure to notify your insurance agent.  Not all companies will cover modifications such as wheelchair lifts, truck caps or special paint jobs.  Contact us when you add any features to your vehicle!

Does making my car look better increase my rates?

Making your car look better can attract thieves that might have never even taken a glance at your old car. Modifications or special paint jobs can also increase the value of your vehicle if done correctly. For these reasons, making your car look better can potentially increase your rate.

Whether your customize or not, you need auto insurance to keep it protected. Contact insurance experts Perry & Carroll in Elmira, New York for all of your car insurance coverage needs.

 

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