Some of us like to blend in. And some of us? Well, we were born to stand out. We’re the ones who don’t just drive from point A to B – we make an entrance. Whether it’s a sleek paint job, racing stripes, or a spoiler that makes your car look like it’s about to take off into orbit, your vehicle is more than a ride. It’s a statement.

Whether it’s our wardrobe, our playlists, or our wheels, we love to express ourselves – especially through our cars. But if you’ve customized your vehicle, it’s time to ask: Is your Car insurance for modified cars actually doing its job?

Suppose you’ve poured time, money, and heart into customizing your car, first of all – respect. You’re living out loud, and I love that for you. But here’s the thing most people don’t think about: if your car’s been modified, your insurance may not automatically cover all that extra “wow.”

Yes, even if it sparkles. Even if it roars. Even if it costs more than your first apartment’s security deposit.

So before you hit the gas, let’s pause and talk about how to make sure your insurance keeps up with your one-of-a-kind wheels.

Look, insurers aren’t trying to cramp your style. But their job is to assess risk – and custom parts change that risk. Whether it’s a $5,000 sound system, turbocharger, or a full body kit that turns heads in traffic, these upgrades often make your car:

• More attractive (to thieves),
• More expensive (to repair), and
• Sometimes more powerful (read: higher risk of accidents).

So when you make these modifications and keep this information away from your insurance company… That’s a bit like getting a brand new nose job and showing up to the DMV with your old license photo. Something just doesn’t match.

You might be surprised by what your insurance considers a “mod.” It’s not just under-the-hood stuff. Here’s a short list of common upgrades that you should absolutely mention to your broker or agent:

• Custom paint jobs or wraps
• Upgraded wheels, rims, or suspension systems
• Aftermarket exhaust systems or turbochargers
• Body kits, spoilers, or lighting mods
• High-end stereo or navigation systems
• Custom interior work (leather seats, tech, etc.)

Even decals and vanity plates might matter in certain cases. Basically, if it didn’t come that way from the manufacturer, it could count as a mod.

The answer is: maybe – but only if they know about them.

Standard Auto insurance policies typically cover the car as it rolled off the factory floor. That’s it. Everything extra needs to be listed, added, or endorsed separately.

In insurance-speak, that’s called “custom equipment coverage” or “aftermarket parts coverage.” Think of it like giving your policy a little upgrade to match your car’s glow-up.

But here’s where it gets tricky: each company has its own rules. Some will cover custom parts up to a specific dollar amount (like $1,000 or $5,000), and others may require you to purchase separate coverage altogether.

That’s why you need to have the talk with your broker. And don’t worry – we love this stuff. We want to hear all about your chrome details, your lowered suspension, and even that fuzzy steering wheel cover. (Okay, maybe not that last one.)

That’s what we’re here for—to help match your policy to the right Car insurance for modified cars.

Even if you do the right thing and report your upgrades, not all insurance companies will automatically roll out the red carpet. Some offer only a small allowance for customizations – think $1,000 to $5,000 tops – which barely covers a set of high-end rims, let alone a full wrap and upgraded sound system. And some modifications? They might be excluded altogether.
Want to make your car bulletproof? Love that for you. But your insurer might not. Mods that significantly alter the vehicle’s use, safety profile, or classification (like armor plating or converting it into a track-only race car) often fall into the “nope” category.
This is where having a good insurance broker on your side really makes a difference. We can find out exactly what’s covered, what’s not, and which companies are mod-friendly before you commit.

Let’s put it this way: you wouldn’t build your dream kitchen and forget to insure the new marble countertops, right? Same idea.

If you don’t report modifications and something happens – say, an accident, fire, or theft – you might only get paid out for the stock version of your car. All those upgrades? They could be left out of the settlement check. Ouch.

Even worse, in some situations, failure to disclose modifications can lead to a denied claim altogether. And that, my friend, is not the kind of surprise anyone wants.

Okay, now that you are convinced (hopefully!), here’s what to do:

1. Make a list of every modification you’ve made, big or small.
2. Gather receipts or estimates if you have them. (Photos are great, too!)
3. Call or email your insurance agent or broker.
4. Ask about your current coverage limits and if you need to add or adjust anything.
5. Keep updating your policy as you keep upgrading your ride.

This isn’t a one-and-done situation. Whenever you add something special to your vehicle, give your insurance a heads-up. Trust me, your future self will thank you.

Your car is an extension of your personality – and that’s something worth protecting. Whether you’re a classic car buff, a speed junkie, or just like your ride to shine a little brighter in the parking lot, don’t let your investment go uninsured.

And hey, if you are unsure whether something “counts” as a mod – just ask. We are not just here to sell you a policy – we are here to help you protect your vibe.

So go ahead, keep being bold. Keep customizing. Just don’t forget to loop us in when you do – because finding the right Car insurance for modified cars can be the difference between fully protected and out-of-pocket.

Because behind every jaw-dropping ride is a smart driver who called their broker first.