Pin It

Car Insurance for Modified Cars

SaraRoss | Sep 3, 2010 |

1 Comments | Rating: 0

Car insurance for modified cars can be difficult for some people to obtain simply due to the fact that they may have a modified car that is not completely legal to drive in the United States. If you own a modified vehicle that most insurance companies will not accept under one of their policies, chances are that you would benefit from having the modifications removed or altered. The primary reason that insurers choose to avoid modified cars for insurance policies is related to safety. When a vehicle is altered from the original way in which it was manufactured, the crash safety could be compromised.

Car modifications that aren't usually accepted in the United States

There are modifications that will simply not be accepted by most U.S. insurers. It is important to be aware of these so that you do not wonder why you are being denied car insurance for modified cars.

Right side steering – If the steering wheel on your vehicle is on the right side instead of the left side, you are going to get turned down without hesitation when you go to buy insurance. It is not legal to have steering on the right hand side of your car unless you are living in a European country. In the United States, you must have left hand steering to legally operate a motor vehicle.

Turbo and speed enhancers – If you have speed boosters installed on your vehicle like Nitrous Oxide, this is a huge tip off to insurers that you are a risky driver. Most will assume that you are using it for racing and will not sell you a policy until it is removed. Don't give the impression that you are doing street racing if you want insurance.

Loud packs – If you have noise-enhancing packs or kits installed on your car and/or truck to make it sound louder than necessary, it is going to result in noise pollution. The police will likely pull you over for having a vehicle that is "too loud" and causing a disturbance. Make sure that you make your vehicle run within the legal noise limits.

Different seatbelts – Some vehicles come with non-standard seat belts that are less safe than the standard model which crosses your lap and shoulder. Other modified vehicles don't even come with any belts at all. Make sure that you have proper seatbelts installed if you want insurance because the companies will be on the lookout for this.

Talk to the auto insurance companies

If you are turned down when asking to sign up for insurance just because you have a modified car, then talk to them more about it. Ask them what they can recommend so that you can become eligible for their coverage. For more information, you can take a look at a comprehensive car insurance guide to read articles about buying the right type of insurance policy. As long as you make the proper changes to your vehicle, you should easily be able to get the right type of auto insurance for a good price.