Insuring a modified or performance car
Aftermarket parts can void coverage if you don't disclose them. Get it right before you hit the road.
Standard auto policies cover the car as it left the factory. Aftermarket upgrades — wheels, exhausts, engine tuning, suspension, body kits, audio systems — may not be covered unless you tell your insurer and add the right coverage.
Disclose modifications
Failing to disclose performance modifications can lead to a denied claim or even a cancelled policy, because the insurer priced a different car. Tell the insurer about every modification when you quote.
Custom parts and equipment coverage
Many insurers offer custom parts and equipment (CPE) coverage, often with a modest default limit you can raise. Keep receipts and photos of each part to support a claim.
Agreed value vs. actual cash value
Standard policies pay actual cash value, which considers depreciation. Some specialty insurers offer agreed-value policies for collector or heavily modified cars, where you and the insurer settle on the car's value upfront.
Performance cars cost more
High-horsepower vehicles generally cost more to insure because of their claim history and repair costs. When comparing, list the exact trim level; a base model and a performance trim can be rated very differently.
This guide is general information from Turbo Auto Quote, not insurance, legal or financial advice. Coverage rules vary by state and insurer.