Car Insurance for Tuned and Modified Cars

When answering forms about the type of car you are insuring, you are always asked if the car has been modified or tuned. This is because modified or tuned cars are more likely to cause accidents than unmodified ones. Because of this, car insurance companies ask for a higher rate for these vehicles and would sometimes even ask for a higher excess so in case there is a need to replace some parts, you would end up paying the excess payment for it.

For modified or tuned cars, you must be honest with your car insurance company while you are getting a quote and be as specific with the modifications and tunings as possible. If you end up faking the information, chances are that the car insurance company would turn down your claim because of this false information.

Car insurance companies base their rates on the base car, size of wheels you use, speed, as well as the attitude of the driver. If you modify your car to flaunt and race, you would most likely get a much higher premium. If you have a good record and is a long client of the car insurance company, there is a good chance that your premium would be decreased further.

It is not often easy to get insured when you have a modified or tuned car. This is because some car insurance companies are picky and if they think you'll just end up asking for a lot of claims, they would turn you down.

Limousines are modified cars too -- but they do have a different routine. For Limousine Insurance -- there really are specialized companies for Limos.