The Struggle Of Insuring Custom Cars
We all like to improve our cars and add various parts and systems. But highly customizing your car may bring you an unpleasant surprise: higher car insurance premiums and even worse, cancellation of the current policy. Car owners face the struggle of insuring custom cars, but they are not alone. Using auto insurance quotes and asking the right persons will help you find adequate policies.
The first thing you should do is to analyze your car’s customizations and check their total value. Some companies will provide coverage if they are not that expensive. For example, Esurance car insurance policies can include up to $4,000 dollars of customized parts and equipment coverage to pay for damage to or replacement of any of the following:
Stereo, sound reproducing, sound recording, and television equipment- Radios, citizens band radios, and scanners
- Personal computers, Internet access, and navigation systems
- Telephones, televisions, and video entertainment systems
- Body, engine, exhaust, or suspension enhancers
- Winches, anti-roll, or anti-sway bars
- Custom grilles, louvers, side pipes, hood scoops, or spoilers
- Custom wheels, tires, or spinners
- Custom chrome and paint
- Special carpeting or insulation
- Furniture or bars
- Height-extending roofs
- Custom murals, paintings, or other decals or graphics
If you’re willing to pay more than you would for a standard policy, there are ways to get coverage for those add-ons from specialty insurers and even from mainstream ones. Insurance companies have sought to protect themselves from unexpected costs of added equipment by putting “exclusions” in policies, or capping losses. And sometimes, insurance companies are willing to issue a policy, but only if you agree for losses suffered by the customized parts. It is kind of being partially self-insured. But still, this method is far better than being left uninsured by the auto insurance company.
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