If you're someone who loves your car you are tempted to make modifications to add a personal touch to the car. But just be aware that your fumes of fancy can turn out to be much more expensive than you thought. Modifications to your car will have a greater impact on the car insurance Fresno, particularly, you will have to bear the higher premium amount.

What is car modification?

A car modification is anything that changes the appearance or the performance of the car. It could range from a cosmetic change to performance enhancements that can include window tinting, installation of spoilers, adding alloy wheels, changing the dashboard, and more.

How car modifications affect your Fresno car insurance Policy?

Increases your insurance rates

In the first place, mods you make to your car will increase the value of your car which in turn will make it more expensive to insure. Your insurance rates may increase if your car mods make your car more attractive for theft or make it more risky on the roads.

Your modifications will not be covered

When you make mods to your car without informing the insurance company, the value of the car will be altered, but the full value of the investment will not be covered. With just one accident, you will lose every penny you spent on your modification.

You might be denied your claim

A major risk of not informing your insurance company about the modifications you've made to your car is that your claim may be denied if you are in an accident. This is considered a violation of the terms and the insurance company can even cancel your policy. Don’t lose all your money to save a few dollars on the insurance premium.

Need to pay more for repairs

If you have made mods and added special parts to your car, it also requires special skills and parts to repair. You may also need to pay more for your repairs.

Modifications that are covered by car insurance Fresno

There are a few mods that can be covered by your car insurance. Modifications that are made for accessibility purposes, mods that will affect only the appearance, and any safety modifications could be covered by your insurance policy. But remember that every insurance company has its terms and conditions. It's important to let your insurance provider know about the modifications you have made to your car.

Modifications that can have an impact on your car insurance

Some car mods can lead to the denial of claims or cancellation of the policy. Performance-enhancing modifications or any illegal modifications will have a greater impact on your car insurance.

Take away

Depending on how you modify, and the terms of your insurance provider, modifications to your car can affect your car insurance positively or negatively. Different insurance providers have a different approach to modifications. So, it's always good to inform your insurance provider about the mods you made. Do not wait till you renew your car insurance Fresno.