With the influence of many custom car shows on television today many people are looking for ways to customize their vehicle. No longer is a car something to simply drive from point A to point B. Now this vehicle is expected to make a statement about who you are, and it should represent your personality. However, before you pimp your ride you may want to consider the following things about car insurance for custom cars. Many add-on accessories can be expensive. Therefore, it is imperative to make sure they are covered.
Consult Your Insurance Company First
If you have ever heard the phrase ask first, pay later you should consider that this train of thought covers the aspect of car insurance for custom cars. Before you make major changes to our vehicle consult your insurance company to see if your policy will go up or if the changes will even be covered. Some insurance companies offer you insurance based solely on the blue book value of a car.
Even if you add thousands of dollars’ worth of equipment the company will only cover the blue book value when you are in a wreck. These companies may require that you take out special coverage for your add-on items. Get a quote for additional coverage before you make any changes. You may find that adding this coverage is affordable or the cost may be more than the accessories are worth. Shop around for the best deals.
Common Add-On Auto Coverage
When it comes to car insurance for custom cars there are usually a few norms. You can expect most insurance companies to offer endorsements to cover your custom car. These are add-on policies that are connected to your main policy.
You can also expect companies that offer car insurance for custom cars to cover the actual value of any custom parts. In most cases this does not include the cost of installation or accessories to install the item in your car.
Finding the Best Rates for Custom Cars
There are several companies that cater to individuals with custom cars. You may have to shop around to find the right company, but this is actually quite simple today. You can enter your zip code into the search engine on your computer to find companies that offer custom car insurance in your area.
Some of the companies may be from out of state but they offer insurance in your state or area. You may have to employ the help of a company from out of state in order to get the best deals. Just make sure that you check the company out before signing up for anything.
As you can see it truly is better to ask first and pay later when considering modifications to your car. There are several factors involved in getting coverage for your custom car and parts. Contact several companies that offer cheap car insurance for custom cars to see what your options are and to compare the rates if you make changes to your car.