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Aftermarket Additions and Your Car Insurance

Although a lot of drivers want to make their cars look and drive in a unique way, making these changes can have effects on insurance rates. It's going to cost you some money to get these products on your car, and then it could end up costing you a lot more money later on down the road in terms of your car insurance rates. Making changes that add to the value of your car or increase the risk of driving it such as by affecting your emergency brakes are going to affect your insurance rates.

Many of the changes and parts that you can add to your vehicle are not looking upon favorably by car insurance providers. In fact, most of them are not even willing to give low rates to drivers who have added them to their vehicles. If you want to make sure that you get the lowest rates possible on your car coverage, then you might want to reconsider adding some of these parts to your car. If you can afford to pay higher rates then it might be okay, but most drivers can't do so.

Parts that Increase Rates

One of the aftermarket products that you can add to your car that might change your insurance rates are wheels. If you decide that you want to put some large wheels on your vehicle, then this could cause insurance providers to charge you higher rates on your coverage. These bigger wheels and tires will make your car a lot more difficult to handle, and this could end up leading to an accident. Also, bigger wheels can mess up your speedometer and make it easier for you to go faster and not even know that you are.

Another option that you can choose to add to your car that will make insurance rates go up is to turbocharge it. If you turbocharge your vehicle, then you are going to be giving it the option to go a whole lot faster. As you can probably guess, cars that have the ability to go much faster are going to be putting their drivers at a lot greater risk. Insurance companies are not going to like the fact that your car can reach these top speeds, so they are going to increase rates accordingly.

If you decide to change the suspension on your vehicle, you are going to be changing the driving characteristics of your vehicle. Doing this will change how your car handles, and it can be easy for you to get into a wreck if you are not used to it. Although it might be cool for you to do this, you need to think of the consequences of doing so. As you can see, it may not be a good a idea to add to your car if you can help it. There is no sense in paying a lot of money for something that will just cost you more money later on.

Parts that Could Help

When it comes to aftermarket additions and your car insurance, not all modifications will actually cause your prices to go up. In fact, there are some things that you can add to your vehicle that will actually cause the prices to come down. One such thing that can help you lower the prices of your car insurance is adding a good security system to it. When you do this, you are working to decrease the chances of your car being stolen. Insurance providers are going to be keen on this, and they will want to reward you for making your vehicle a lot safer.


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