In the auto world, you can make many modifications that will improve the look and even how the car handles on the road. Some drivers might add a spoiler; others might lower their car height. But while these changes might improve the look and feel of your vehicle, they could also impact your insurance policy.
In this post, we’ll inspect whether adjusting your car height voids insurance. Keep reading on to find out more!
WHAT IS CAR MODIFICATION?
Car modification is when an owner has changed a vehicle that alters it from the original manufacturer’s specifications. The most common modifications are engine swaps, suspension upgrades, and cosmetic changes.
Engine swaps involve replacing the stock engine with a more powerful one, while suspension upgrades involve installing larger or stiffer shocks and springs. Cosmetic changes can include anything from changing the paint color to installing a new body kit.
While car modifications are a popular hobby amongst car enthusiasts, it’s important to note that changing a car can void the manufacturer’s warranty. It is also critical to consult with a professional before undertaking any modifications, as some modifications can adversely affect the safety and reliability of the vehicle.
WHAT CAR MODIFICATIONS DO INSURANCE COMPANIES ALLOW?
Most insurance companies won’t penalize you for making modifications to your car, as long as those modifications do not increase the risk of accidents or injuries.
For example, if you lower your car to improve its aerodynamics, your rates won’t go up. However, if you raise your car in order to improve its off-road capability, your rates could increase since this could make your car more likely to be involved in an accident.
Therefore, it is always important to consult with your insurance company before altering your vehicle. By doing so, you can avoid any surprises when it comes time to renew your policy.
WHY WOULD YOU ADJUST YOUR CAR HEIGHT?
When most people think of lowering a car, they picture it as a purely cosmetic modification. While it’s true that lowering your vehicle can give it a more aggressive and sporty look, there are also some performance benefits to be gained.
By lowering the center of gravity, you can improve handling and stability, especially in corners. Lowering also reduces aerodynamic drag, leading to slightly higher speeds and improved fuel efficiency.
Of course, lowering your car also has some drawbacks. It can make the ride less comfortable, and it can put extra strain on the suspension components.
As with any modification, it’s important to consult with a professional before any changes to ensure that your car is lowered properly. Done right, lowering your car can be a great way to improve both its appearance and performance.
WILL RAISING OR LOWERING MY CAR VOID MY INSURANCE POLICY?
If you plan on adjusting the height of your car above the manufacturer’s recommended levels, you will need to consult your insurance company to determine if they will continue to extend coverage.
Adjusting the height of your car can affect its aerodynamics and handling, which could put you at higher risk for an accident. Again, if you’re considering adjusting the height of your car, check with your insurer and manufacturer first to see if it’s covered under your policy.
WHY DO INSURANCE COMPANIES CARE WHAT I DO WITH MY VEHICLE?
When you insure your car, the insurer is taking on a certain level of risk. In exchange for your premium payments, the insurer agrees to cover certain costs if you have an accident.
Part of the insurer’s risk assessment involves looking at the features of your car and how you use it. For example, if you have a high-performance sports car, the insurer knows that it’s more likely to be involved in an accident than a family sedan. As a result, the premium for a sports car will be higher than for a sedan.
The same is true if you live in an area with a high car theft or vandalism rate. By informing the insurer about modifications to your car, the insurance provider can properly assess the risk and set the premium accordingly.
DO I NEED TO SHARE VEHICLE MODIFICATIONS WITH MY INSURANCE PROVIDER?
When looking for insurance for a modified car, it’s essential to be upfront about any modifications made to the vehicle.
Failing to disclose this information to your insurance provider could cause your claim being denied or delayed. Sometimes, as can be the case with very expensive modifications, the insurer may even refuse to provide coverage.
So, while it may take some extra steps to tell your insurer about changes to your car, it’s actually in your best interest to do so. While modified cars may cost more to insure, it is possible to find reasonable rates by shopping around and comparing quotes from multiple providers.
So, should you adjust your car’s height to achieve the look or aerodynamics you’re going for? It all depends on your insurance policy.
Every company is different and will have specific rules about what is and isn’t covered. The best way to find out for sure is to call them and ask — you may even be surprised at how accommodating they are.
If you need help finding the best car insurance coverage for the best price for your modified vehicle, start by speaking to a SimplyIOA agent at 833.872.4467 or get an auto insurance quote online now.