Reader’s Question:

Call me vain but I have made who have spent thousands upgrading my vehicle. I am renewing my auto insurance policy in no time and I just wonder if my upgrades will shoot my auto insurance premiums in Lancaster, Pennsylvania.

Arnold

Lancaster, PA

If you are one of the thousands of people who have made after-market changes to your car, you are not really vain. You are just a normal person who wants to get things better.

Whether its shiny new rims or some engine upgrades, you may have unknowingly changed the car insurance policy that you have in Lancaster, Pennsylvania. It’s a little known fact that car insurance companies in Pennsylvania PA typically do not insure you for any after-market changes you’ve made to your vehicle. Do you know that some changes can even completely cancel your policy?

You better ask if your insurance company in Lancaster have a problem with you adding a DVD player or expensive sound system to your car. Many insurance companies simply do not know how to determine an accurate and fair policy for vehicles that have made numerous modifications.

Other insurance companies determine their rates by looking through dozens of statistics for each model of car. This will give data as how much it costs to make certain repairs and what the vehicle’s market value is. When you change your, those statistics are no longer accurate.
But since it cannot be helped that many people modify their cars without even telling their insurance company, they’ll get to keep their current policy. Be wary though since your current modifications won’t be covered in an accident or robbery if you do not disclose such changes to your current insurer and still renew with them.

Tags: auto insurance, auto insurance upgrade, car insurance, car modification insurance