Modified Car Insurance

Finding car insurance for modified cars can be difficult as generally insurers frown on any changes you make to a vehicle.

Modifying a vehicle presents more risk to a car insurance company than a sports car or an imported car because the modifications made may be unorthodox and a potential hazard. Peripheral changes such as the addition of alloy wheels may go unpunished by insurers, but even these small alterations could be viewed as making your car more desirable to thieves and enhancing your claim risk.

When looking for modified car insurance remember, anything that adds value to your car such as new bumpers, spoilers, exhausts and changing or lowering the suspension will usually be reviewed on a case-by-case basis.

However, if you enhance the vehicle's engine and performance you will almost certainly receive a higher modified car insurance premium due to the risk that you will be travelling at higher speeds.
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How to keep costs of modified car insurance down

Generally, you will pay more for car insurance if the vehicle has been modified, than you would to insure a conventional car but you can still limit this expense. Firstly, don't go too far with your modifications - remember each one will likely increase your premium, so keep changes to a minimum. However, you should always declare any changes you've made to the spec to an insurer or you risk invalidating a claim.

Shop around and gather as many modified car insurance quotes as possible. Use a comparison website and also look into specialists, which may be able to offer cheap modified car insurance as well as a number of unique discounts and options such as track day cover and owners' club membership bonuses. Many specialist insurers will also offer you an agreed valuation of your car so you know the exact amount you are covered for.
Steps to save money on modified car insurance

You should follow the same steps with a modified car as you would with a conventional car to save money on car insurance. These can include parking in a garage at night, fitting a car alarm and immobiliser, driving safely to build up a no-claims discount and avoiding driving convictions.

For additional savings, consider agreeing to a mileage limit if you use the car infrequently and see if your insurer offers a discount if you complete an advanced driver's course. Include locking wheel nuts on alloys and look into raising your voluntary excess to a level you can comfortably afford.

You Can Save Big With Our Auto Insurance Discounts

You Can Save Big With Our Auto Insurance Discounts
Combine Your Home and Auto Insurance
One way you could potentially increase savings on your home and auto insurance is to bring both policies into the same company with Allstate. If both types of policies are available in your state, you might quality for Allstate's Multiple Policy Discount.
Help Keep Your Costs Low
Auto insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your auto insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an auto insurance quote.
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Premier Discount
If you've got a clean driving record (no accidents, no violations) during the past 3 years, you could get rewarded with a lower rate.

Premier Plus Discount
As an extra bonus for drivers with no accidents or violations during the last 5 years, Allstate may knock even more off your auto insurance rate than Premier.

Defensive Driver Discount
You could save on your premiums if you choose to take a state-approved defensive driving class. Court-mandated classes do not qualify for a discount.

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Passive Restraint Systems
Your rate might be lower if your car came equipped with safety features like airbags or factory-installed motorized seatbelts.

Anti-Lock Brakes
You can also help lower your premiums if your car has factory-installed ABS (all-wheel, anti-lock braking system).

Anti-Theft Devices
By protecting your car from thieves or vandals, Allstate can help protect you from paying more every month.

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Multiple Policy Discount
If you have property insurance with Allstate, you may qualify for Allstate's Multiple Policy Discount to lower your auto insurance premiums by as much as 10%.
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Good Student
If you're younger than 25 years old, single and a full-time student who meets our GPA requirements, you could be eligible for this valuable discount.

Senior Adult
If you're 65 or older, and you drive more than a quarter of your car's total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage.

55 and Retired
The name says it all: if you're at least 55 and retired, you could save on your auto insurance rate.

New Car
Did you take advantage of the many dealership discounts recently offered for new cars? It’s not too late to see if that brand new, never-been-titled car you just bought might save you even more money.

Economy Car
In addition to possibly being a bit more friendly to the environment, you also may be able to save more than just gas and space if you own an economy car. Contact your Allstate agent.

Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.

Resident Student
If you carry coverage for a student who's under 21 and lives at a school that's more than 100 miles away from where the vehicle is garaged, you could save valuable cash on your premiums.

Farm or Ranch Vehicle
If you're a full-time farmer or rancher, and you're insuring a farm or ranch vehicle used exclusively for work on your property, this bonus could help keep your costs down.
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To see how many discounts you qualify for, start an auto insurance quote online now. You can also talk to your local Allstate agent or simply call 1-866-621-6900 to talk to a licensed insurance professional by phone.
* Please see the disclaimers below.

The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.