Those who have ever driven a modified car knows that insuring it can be complicated. Should your car is a high end vehicle, you could be paying higher rates than you’ll for a simpler car. Any changes to a car help it become much tougher for the insurance coverage company to estimate value or assess risk. While finding insurance for modified cars is getting easier, you can still find a few things you need to know.

You will find generally 2 kinds of modified cars: “street racers”, and “show cars”. One particualr street car is seen as a modified Nissan Cube and show car could be a Leno 32 Bowtie Deuce Roadster. Of the two, street racers are considerably more hard to insure.

First thing to notice when looking for an insurer is that you must make full disclosure regarding all modifications of your car. Undisclosed modifications would possibly not only limit the worthiness of your car should it be in an accident, but it can also be a reason for the insurance company to cancel your policy, leaving you in charge of all damages caused by the accident. A good way to disclose your modifications should be to provide examples of cars like yours – same make and model year – with similar modifications – selling for more than you know your vehicle is worth. If they’re in worse condition, that’s to your advantage.

Also remember that not all modifications are treated exactly the same. While the addition of expensive rims and engine boosters will increase the value of your car, odds are it will impact your insurance negatively. The reason being, that the expensive rims and engine make your car more attractive to thieves. Also note, that performance exhaust systems or body kits are almost always taken on a case-by-case basis.

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or washington-autoinsurance.org