Effects Of Car Improvements On Your Insurance Policy

​Purchasing the car of your dreams comes with many responsibilities. One is getting insurance. You cannot stop giving it personal modifications and customizations. Common examples are revamping the upholstery and installing new lights. 

These changes can affect your car insurance policy’s amount. So, it’s important to think about the costs. Modified cars have higher risks than cars without changes, and adding more customizations makes them more susceptible to theft. Read about the effects of car improvements on your insurance policy.

Kinds of modifications and their impact on your insurance
Here is a list of modifications and customizations that one can have and their impact on your insurance plan. 

1. Modifying engines
   Engine modifications enhance its performance and speed, making it susceptible to accidents. This will alert the insurance providers as it heightens the risk of accidents. It will also reflect a premium increase.
   
   
2. Modifying suspension and breaks 
   Modifying the suspension and breaks can entirely change the vehicles’ road performance. This can lead to a higher insurance amount because it can compromise the vehicle’s safety.
    
3. Adding bodywork or cladding
   Any kind of car modification can affect its performance. An example is adding new exhaust systems or spoilers. Another is wheel rim modification. 
   
   
4. Anti-theft devices
   You can also consider adding anti-theft devices to your vehicle that are recognized by the Automotive Research Association of India (ARAI). This can let the insurance provided further assess as stronger security against theft. So, the policyholder becomes eligible for a discount on the own-damage policy premium.
   
   
5. Modifying interiors
   Removing and installing the car’s interior components can affect the vehicle’s safety. This can also be reflected in the insurance provider’s total premium cost.
   
   
6. Changing the wheels
   Customizing your wheel can enhance the car’s appearance. However, it can upturn its value. Always disclose any modification to your insurance provider first. 
   
   
7. Paintwork
   Getting your car painted seems harmless. However, choosing an extraordinary paint color can make it eye-catching in the crowd. This means it can increase the possibility of theft. 

Conclusion
With this article, you can be aware of the impacts of making modifications to your car on your insurance policy. Feel free to make this article a guide when you plan to improve your vehicle.

At Kapasu Insurance Services Inc, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (760) 995-3853 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!