God, My Car’s Hot!

Modified Vehicles: A modification to your vehicle which increases the “value” of your car, like a new paint job or stereo system, may or may not increase your rate. And most insurance companies will still insure you.

A vehicle modified to increase the “performance” will drive you into the high risk, high cost insurance companies.

A good practice to avoid surprises, like a notice of cancellation, would be to call your insurance rep before you do any modifications and ask if it will affect your insurance rate.

Trailers: There’s no need to tell your insurance company if you have a trailer hitch. Liability extends from your car to the trailer, but you may want to purchase a separate coverage to insure the trailer for physical damage.