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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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Securing The Best Auto Insurance For Your Modified Vehicle

Have you recently made modifications to your car? Whether you’ve added a turbocharger, upgraded the suspension, or installed a custom paint job, it’s important to secure the best car insurance for your modified vehicle. Here at Obrella, we understand that your modified car is your pride and joy, and we are committed to providing you with the coverage you need and deserve.

Our Commitment to You

At Obrella, our mission is to help you protect your investment in your modified vehicle. We understand that your modified car is not just a means of transportation – it’s a reflection of your personal style and passion for cars. That’s why we offer specialized car insurance coverage designed specifically for modified vehicles. Our knowledgeable agents are experts in the field and will work with you to find the best policy to meet your unique needs.

When you choose Obrella, you can rest easy knowing that you’re working with a reputable company that has been serving car enthusiasts like you for years. We have a proven track record of providing exceptional service and customized coverage to our valued customers.

Our commitment to you goes beyond just providing insurance coverage. We understand that owning a modified vehicle comes with its own set of challenges and requirements. That’s why we have a team of dedicated professionals who are well-versed in the world of modified cars. They stay up-to-date with the latest trends, technologies, and regulations in the industry to ensure that we can provide you with the most comprehensive coverage possible.

When you reach out to us for a quote, our knowledgeable agents will take the time to understand your specific modifications and their value. We know that each modification is unique and can have a significant impact on the overall value of your vehicle. Whether you’ve added performance enhancements, custom paintwork, or unique interior modifications, we will work with you to accurately assess the value of your vehicle and provide coverage that reflects its true worth.

At Obrella, we believe in transparency and honesty. We will explain the terms, conditions, and coverage options to you in a clear and concise manner, ensuring that you fully understand what you’re getting with your policy. We want you to have peace of mind knowing that you’re adequately protected and that there are no surprises when it comes to making a claim.

As car enthusiasts ourselves, we understand the importance of preserving the authenticity of your modified vehicle. We know that you’ve put countless hours, effort, and resources into creating a one-of-a-kind masterpiece. That’s why our coverage extends to protect your modifications, ensuring that you can restore or replace them in the event of damage or theft.

When you choose Obrella, you’re not just getting an insurance policy – you’re becoming part of a community of car enthusiasts. We regularly host events, car shows, and meet-ups where you can connect with like-minded individuals who share the same passion for cars. Our team is always available to provide advice, recommendations, and support, whether it’s helping you find a reputable mechanic or sharing tips on maintaining your modified vehicle.

With Obrella, you can trust that your modified vehicle is in good hands. We are committed to providing exceptional service, tailored coverage, and a seamless claims process. We understand that your modified car is more than just a vehicle – it’s a representation of your personality and passion. That’s why we go above and beyond to ensure that you can continue enjoying your modified ride with peace of mind.

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Finding the Best Auto Insurance Rates

When it comes to securing car insurance for your modified vehicle, finding the best rates is essential. Here are a few tips to help you get a competitive quote:

  1. Shop around: Don’t settle for the first quote you receive. Take the time to compare rates from multiple insurance providers to ensure you’re getting the best deal.
  2. Bundle your policies: Consider bundling your car insurance with your home or rental insurance to qualify for multi-policy discounts.
  3. Install security features: Adding security features to your modified car, such as an alarm system or a tracking device, can help you qualify for discounts.
  4. Drive responsibly: Maintaining a clean driving record with no accidents or tickets can also help you secure lower insurance premiums.

By following these tips, you can increase your chances of finding affordable car insurance rates for your modified vehicle.

Understanding Modified Cars

Before diving into the world of modified car insurance, it’s important to have a clear understanding of what constitutes a modified car. In general, a modified car is any vehicle that has been altered from its original factory specifications.

Modifications can range from cosmetic changes, such as new paint or body kits, to performance upgrades, such as engine modifications or suspension enhancements. It’s important to note that even minor modifications can have an impact on your car insurance policy, as they can affect the overall value and performance of the vehicle.

Exploring Modified Car Insurance

Modified car insurance is specifically designed to provide coverage for the unique needs of modified vehicles. Unlike traditional car insurance policies, modified car insurance takes into account the increased value and performance of your modified car.

When you purchase a modified car insurance policy, you’ll have the peace of mind knowing that your custom modifications are protected. In the event of an accident or theft, your insurance policy will cover the cost of repairs or replacement of your modified parts.

It’s important to note that not all insurance providers offer modified car insurance coverage. That’s why it’s crucial to work with a company like Obrella that specializes in providing coverage for modified vehicles.

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The Cost of Insuring a Modified Car

Insuring a modified car can be more expensive than insuring a standard vehicle. The increased value and performance of modified cars can lead to higher insurance premiums. However, the cost of insurance will vary depending on various factors, including the type and extent of modifications made to your vehicle, your driving history, and your geographical location.

When determining the cost of insuring your modified car, insurance providers will consider the overall value of your vehicle, including both the base car and any modifications you’ve made. It’s important to make sure that you accurately document all modifications and provide this information to your insurance provider to ensure you have the proper coverage.

Unlocking Discounts for Car Modifications

While it’s true that modified car insurance can be more expensive, there are ways to unlock discounts and save on your premium. Here are a few common discounts to consider:

  • Membership discounts: Some insurance providers offer discounts for being a member of a car club or an enthusiast group.
  • Mileage discounts: If you only drive your modified car occasionally, you may be eligible for a low mileage discount.
  • Garage parking discount: Keeping your modified car parked in a secure garage when not in use can help you save on your insurance premiums.

It’s always a good idea to speak with your insurance provider to determine which discounts you may qualify for. They can help guide you through the process and ensure that you’re taking advantage of all available savings opportunities.

Answers to Common Questions

As you navigate the world of modified car insurance, you may have some questions. Here are answers to some common questions:

Q: Do all modifications need to be reported to my insurance provider?

A: Yes, it’s important to report all modifications to your insurance provider. Failing to disclose modifications could result in your claim being denied.

Q: Will my insurance cover aftermarket parts?

A: In most cases, modified car insurance will cover aftermarket parts as long as they are properly documented and meet the criteria set forth by your insurance provider.

Q: Can I modify my car while it’s insured?

A: It’s always a good idea to notify your insurance provider before making any modifications to your car. They can help ensure that your new modifications are properly covered.

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Further Reading on Car Insurance

For more information on car insurance, including tips for finding the best rates, understanding different types of coverage, and more, check out the following resources:

  1. Insurance.com
  2. Consumer Reports
  3. Insurance Information Institute

Armed with the knowledge and information provided in this article, you’re now ready to secure the best car insurance for your modified vehicle. Remember to work with a reputable insurance provider that specializes in modified car insurance to ensure that you have the coverage you need to protect your investment. Happy driving!

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