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Mechanic in red carHumans value uniqueness. We desire things that can sometimes make us stand out. People often like to customize the things they own, such as their vehicles. 

Of course, there is nothing wrong with wanting what you want when it comes to your car. However, customizing your vehicle may affect your car insurance.

Tell Your Auto Insurance Provider You Changed Your Car

Your auto insurance is very specific when it comes to coverage. Typically, your policy covers what the car’s manufacturer included in your car. Usually, you need to inform your auto insurance provider that you have made custom changes.

Many people don’t tell their insurance company about customization. They worry that changes will lead to rate increases. Not informing your provider about changes is a mistake. That mistake could leave you paying a hefty portion of your repairs if you get into an accident.

Get Specialty Car Insurance

If you are going to make changes to your car, you should consider getting specialty insurance. Specialty insurance offers more coverage options for modified cars and trucks. 

For instance, many people who own classic cars get specialty coverage to ensure that their provider will replace the original equipment included in their car. The specialty coverage works because replacement costs for classic pieces are higher. The same goes for customized vehicles.

With specialty insurance, you pay more to protect your car. This is because typical car insurance may not cover the replacement value of custom radio systems, custom grilles or specialty suspension systems.

Have Your Alterations Done by a Professional

Your safety and the safety of others is always important. If you aren’t careful, a modification could increase your chances of experiencing an accident. 

You should never make modifications that place anyone’s safety in jeopardy. In some instances, an unsafe customization can be illegal. By hiring a professional to modify your car, you could avoid questionable changes and ensure that everyone is safe when they ride with you.

Whether you are a car enthusiast or simply want to make your car match your personality, you should consider your car insurance before making alterations. 

As your Florence car insurance provider, CSP Insurance services is happy to review your plans for modifications. We can let you know how your modifications will affect your rate. Give us a call today at 843-519-2557 to discuss your options for auto coverage.

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CSP Insurance Services |
2420 Hoffmeyer Rd, Suite D | Florence, SC 29501
| Ph: 843-519-2557
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