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myth: modified car insurance is hard to find

So you've just added a supercharger, hydraulic suspension, racing spoiler, and custom paint job to your 1994 Honda Civic and now you're wondering where you're going to get car insurance. Like many modified car buffs, you might think finding modified car insurance is going to be a chore. We're here to tell you it's a lot easier than you think.

Many drivers think that insuring a modified car is going to be difficult. After all, the speed-enhancing modifications many car buffs go for are the stuff of actuarial nightmare. In fact, many car insurance companies simply refuse to underwrite modified cars.

Despite this fact, finding affordable modified car insurance is no harder than finding any other kind of car insurance. Sure, it might take a bit of homework, a little shopping around on the Internet, and a phone call or 2, but finding the right coverage at the right price can be a snap.

And we're about to make it that much easier.

Find affordable modified car insurance with Esurance

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While many car insurance companies balk at the thought of insuring your street rod, lowrider, or tuner, Esurance makes it easy to get the financial protection you need with not one, but 2 easy options.

Option A: Customized parts and equipment coverage

Whether you're in the market for new modified car insurance, looking to switch providers, or are an existing Esurance policyholder making your first forays into the world of car modification, we can help you insure your modified ride.

Esurance car insurance policies can include up to $4,000 dollars of customized parts and equipment coverage to pay for damage to or replacement of any of the following:

  • Stereo, sound reproducing, sound recording, and television equipment
  • Radios, citizens band radios, and scanners
  • Personal computers, Internet access, and navigation systems
  • Telephones, televisions, and video entertainment systems
  • Body, engine, exhaust, or suspension enhancers
  • Winches, anti-roll, or anti-sway bars
  • Custom grilles, louvers, side pipes, hood scoops, or spoilers
  • Custom wheels, tires, or spinners
  • Custom chrome and paint
  • Special carpeting or insulation
  • Furniture or bars
  • Height-extending roofs
  • Custom murals, paintings, or other decals or graphics

If you have or plan to add features not listed here, call us at 1-800-ESURANCE
(1-800-378-7262) to see how we can help.

Note that a standard Esurance car insurance policy only covers original equipment included by the manufacturer. If you've made any modifications or additions to your car, be it as grandiose as a Lord of the Rings mural on the side of your sleeper van or as modest as a GPS, be sure to add customized parts and equipment coverage to protect your favorite additions. In some states, you'll need to buy comprehensive and collision coverages in order to get customized parts and equipment coverage.

Serious modification buffs out there might be thinking, "$4,000?! That barely covers the custom Jack Skellington paint job on my modified hearse!"

Rest easy, buff. We've got another solution for you.

Option B: Modified car insurance through our partner, Hagerty

Esurance offers another car insurance solution to avid modifiers: collector car insurance through our trusted partner and collector car world mainstay, Hagerty.

Now, when many of us think "collector car," chances are we see Model Ts, '57 Chevys, and 1970 Dodge Challengers. But collector car insurance provides an ideal solution for insuring all kinds of vehicles, from Brass Era classics to, yes, even your modified Honda Civic (believe it or not, the Honda Civic is one of the most popular cars to modify, which may help explain why it's also one of the most-stolen cars on the road).

Collector car insurance through Hagerty is surprisingly affordable. Hagerty clients report savings of as much as 37 percent when switching. And there are no limits on modifications or how much you drive, though modified vehicles are carefully underwritten and extent of use plays a role in determining your rate.

Hagerty considers a vehicle to be modified when the performance has been significantly increased; the body, chassis, and/or frame have been structurally altered; or a custom paint job is valued at more than $10,000.

If any of the above fit your situation, you can get your collector car insurance quote online. Or, if you've got more questions, check out our collector car insurance FAQs.

Why do people think modified car insurance is hard to find?

This myth stems from common (mis)conceptions about the types of people who modify their cars as well as from the types of modifications most people go for.

There's more to modified cars than what we see in The Fast and the Furious. Obviously, these are the types of cars that give actuaries the heebie-jeebies. But the vast majority of modified car enthusiasts are simply hobbyists with a love of high-performance engines, elaborate paint jobs, and shining chrome finishes.

Many of the modifications typically chosen are designed to optimize vehicle speed and performance. Modifications like superchargers, turbochargers, and nitrous oxide injection systems are all designed to amplify engine power, performance, and speed. And it's a natural, if unfortunate, reaction to think that those looking for more speed and power are looking to drive recklessly. However, one doesn't have to speed to enjoy the idea of it. If that were the case, we wouldn't have automobiles capable of topping 250 mph (such as the Bugatti Veyron 16.4).

Whatever the stereotypes are, the fact is that most car modifiers take extremely good care of their cars. Low mileages, top-of-the-line garaging, and more-than-regular maintenance come standard for these hobbyists. Because they've spent thousands to create the car of their dreams, they're not likely to risk losing that investment to reckless driving.

Modified car insurance made easy

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If you're a modest modifier or are just starting out, car insurance from Esurance can provide just what you need. Just get your quote, and be sure to add the appropriate limits for customized parts and equipment coverage. And if you're a more ambitious customizer, we'll be happy to help you get the coverage you need from our partner, Hagerty.

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