Which Modifications Affect Car Insurance?

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   Neil H. Greco

   Agency Principal, Neil H. Greco LLC, New Jersey

   If you are adding any special features to your vehicle that increase its value, or add items that enhance performance, you will generally see some form of an increase to cover the added amount of value. For example, if your vehicle has custom $5,000 rims and a $3,000 after-market stereo system, and if you want it to be covered in the even of a loss, you would need to report these special features to your insurance company. This will in-turn increase your premium the appropriate amount to cover the special features. Thanks for asking!

   Answered on June 5, 2014

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