These common car modifications will affect your insurance

If you are concerned about your car insurance being affected by the car upgrades that you are doing, then this guide should help you to find out everything you need to know.


If you add parking sensors to your used vehicle then this is a great way for you to drop your insurance premium. Data has shown time and time again that by installing parking sensors, you can actually decrease your insurance rate by a total of 13%. This can give you a significant saving if you are already paying, and it will also stop you from getting involved in as many collisions too.


If you are looking for more ways to modify your car so that you can lower your insurance rate, then a tow bar may be a good option. This can easily lower your insurance costs by up to 20%. The main reason for this is because it signifies that your car could be travelling at lower speeds, and this is something that a lot of car insurance providers favour.


Of course, auto window tinting is one of the best ways for you to make your car look better. If you want to make sure that this doesn’t put up the cost of your insurance, then your windows need to let in 70% of light. You also need to make sure that you go to a professional too, as they can make sure that the job is done properly.


Standard alloy wheels won’t impact your insurance very much but if you upgrade them or if you choose to paint them in another colour then this could cause your premiums to go up. The main reason for this is because better alloys increase the chances of someone stealing your wheels, and believe it or not, this is one of the most common insurance claims.


Modifications to your interior upholstery can include adding leather or even sports seats. These changes need to be declared to your insurer, and they will then decide whether or not it is going to affect your rate. It’s best to talk with your insurer beforehand so you can find out if you are going to be affected.


Car decals are somewhat of a grey area.  Some insurers really don’t care about decorative modifications like this, but others believe that vinyl wraps can increase the risk. If you are thinking about adding anything like this to your car then it is a good idea for you to chat with your insurance company.

They can then talk to you about the decals you are allowed, and they can even tell you if there is anything that you can do to lower the impact. If you have decals that are promoting your company, then you have to make sure that you take out a commercial policy because if you don’t then you may not be covered under your general policy and this is the last thing that you need.

Photo Credit: Mercedes-Benz

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