Skip These Mods if You Don't Want to Ruin Your Car Insurance
Most people can agree that vehicle modifications can make your car stand out from the crowd with a modernised look - but you mustn't ignore their consequences. Continue reading to unearth 9 vehicle mods that can ruin your insurance.
Lowered Suspension Raises Premiums
Extremely low vehicles are entirely prohibited in some states, so it’s no surprise that this mod ended up on this list. The way your car handles can be significantly affected by this mod, and insurance companies frequently view lower-end vehicles as riskier as a result.
Superchargers And Turbochargers Lead To Higher Risk
In addition to increasing engine power, installing a supercharger or turbocharger gives insurance companies the impression of a more aggressive driver - judgey, we know, but it’s true! Higher horsepower typically translates to faster speeds, which increases the risk of collisions.
Custom Paint Jobs Aren’t As Harmless As They Seem
A complex wrap or gaudy paint job might not have an effect on your driving, but it definitely has an effect on your insurance! Cars with distinctive paint jobs are worth more and are frequently more attractive to thieves, which could lead to your insurer increasing the cost of comprehensive coverage - so choose wisely!
Non-Standard Rims And Wheels Can Be Costly
Although custom rims look fantastic, they can also empty your pockets with an insurance increase! In addition to the rims' actual cost, insurers also take into account how the rims impact the vehicle's overall performance and safety. For example, larger rims can put stress on the suspension, which is super dangerous.
Modified Exhausts Invite Negative Attention
Although a modified exhaust system may increase airflow and give you that desired deep growl, insurance may have a different opinion on what’s “cool”! Street racing and careless driving are frequently linked to loud exhausts, so watch out.
Aftermarket Lights Are Not Hits With Insurers
While replacing your original lights with LED strips may give your car a futuristic appearance, it may also make it more vulnerable to criminal activity. Many aftermarket lighting systems are illegal on the street, so you’ll face a hefty bill if your insurer finds out!
Performance Tires Are Not Insurance-Friendly
Sure, switching to racing tires can improve handling, but they also cost more to repair and wear down more quickly. Unfortunately, they aren’t as fun in the insurer's eyes, as they’re viewed as a sign of high-speed driving habits.
Tinted Windows Put You On A Watchlist
There’s a thin line between being legal and being overly dark, even though dark shades may provide solitude and a cooler cabin. States have different laws regarding window tinting, and if your tints are more than what is permitted, your insurance company may charge you more.
Wide Body Kits Widen Risk
Although adding a wide-body modification to your car may convey style and swagger, insurance companies interpret this as "higher repair costs" and "greater accident risk." Your premiums can quickly become bloated as a result of these modifications!
