Home » How Does Modified Car Insurance Work?
December 29, 2023
Williams Finance & Insurance

How Does Modified Car Insurance Work?

For vehicle enthusiasts who customize their rides, modified car insurance can help provide critical financial protection if the vehicle is damaged in a covered accident or incident. At Williams Insurance Agency in Lancaster, South Carolina, we specialize in tailored insurance solutions that cater to the unique needs of modified vehicles, including cars, vans, classic cars or 4x4s.

Understanding Modified Car Insurance

Modified car insurance is designed to cover vehicles customized beyond factory specifications. This type of insurance considers modified vehicles’ unique features and increased value.

Unlike standard car insurance, it assesses how custom modifications—including performance enhancements and aesthetic changes—affect coverage and premiums. These modifications may increase the perceived risk of filing a claim, which can influence the policy’s premiums.

Critical Considerations for Modified Car Insurance

In seeking a modified car insurance quote, it’s vital to consider several aspects for optimal coverage:

  • Provide the insurance company with a complete list of modifications to ensure your coverage accurately reflects these changes.
  • Provide your insurer with an up-to-date valuation of your modified vehicle, factoring in all custom parts and work.
  • Select an insurance provider with expertise in modified car insurance for knowledgeable and relevant coverage options.
  • Get a quote specifically tailored to your vehicle’s unique modifications and overall value.

Modified Vehicle Insurance Options

For owners of modified vehicles, understanding the following available insurance options is crucial for comprehensive protection:

  • Modified car insurance is designed for vehicles with aftermarket modifications.
  • Agreed value coverage ensures compensation up to an agreed amount in the event of a total loss, which is important for vehicles with significant modifications.
  • Classic car insurance provides tailored protection for modified vehicles that qualify as classics or collector cars.
  • Custom parts and equipment coverage (CPE) adds coverage for custom parts such as wheels or audio systems to standard auto insurance.
  • Comprehensive and collision coverage covers damages from accidents, theft or other incidents, including modifications.
  • Restoration coverage protects a vehicle during its restoration phase, covering its current state and incremental value increases.
  • Liability insurance is essential for all vehicle owners, including those with modified cars, to help cover potential bodily injury and property damage costs to others.

Discussing your specific needs with an insurance professional is vital to ensure that all modifications on your vehicle are adequately covered.

Why Choose Williams Insurance Agency?

At Williams Insurance Agency, we recognize that vehicle modifications can represent a significant investment of time and money. Our experience with various types of modified vehicles helps us provide a policy that fits your needs and offers comprehensive protection. Contact us today for a personalized modified car insurance quote.


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.

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