In Boerne, TX, vehicle modifications are quite popular. From upgrading engines to adding custom paint jobs, modifying your car can make it more comfortable, impressive, or efficient. However, it’s crucial to understand that these alterations may affect your auto insurance.
1. Vehicle Modifications Can Change Insurance Premiums
When you modify your vehicle, the value, performance, and safety features might change, which could increase or decrease your insurance premiums. For instance, adding security features like anti-theft systems can often lower premiums, while performance enhancing modifications might increase them.
2. Not All Modifications Are Covered By Standard Policies
Standard auto insurance policies typically don’t cover custom parts and equipment. If you have added modifications that increase your car’s value, you may need to purchase an additional endorsement to make sure the new features are insured.
3. Disclose All Modifications to Your Insurer
Always inform your insurer about any modifications to your vehicle. Not disclosing these changes might violate your policy terms and could result in claim denial if you’re in an accident.
4. DIY Installations Might Increase Your Premium
If modifications are not professionally installed, they can increase the risk of accidents due to faulty installation. Insurers may raise the premiums accordingly. Therefore, always consider getting your modifications done by professionals.
At Trevino Insurance Services, we understand that customizing your car can make it feel more personal and enjoyable to drive. We are here to help you understand how these changes impact your auto insurance. Contact us today, and we will guide you through the options to ensure your car modifications are fully covered.
