Does adjusting your car height void insurance? You must adjust your car’s height to keep it safe on the road. But is that a must if you want your car insurance to be valid? We will look at the possible consequences of adjusting the height of your car and see if it voids your insurance.
By changing the wheels, the exhaust, or the car’s height, you can give it a unique look that lets your personality shine through as you drive.
But these changes usually mean your car insurance rates will go up, and custom parts often need extra coverage. Here’s why changing your car’s height can cause your rates to go up.
Does adjusting your car height void insurance?
If you change the height of your car, your insurance policy will no longer cover it. This is easy to understand: changing the height of your car makes it harder for other drivers to see you. This makes it more likely that something bad will happen, possibly costing you and the other person money.
If you want to change the height of your car, you need to ensure that it won’t affect your liability coverage. If you don’t, you might have to pay more than you need. Raising or lowering your car is a type of car modification requiring extra car insurance coverage.
Many insurance companies offer extra custom parts and equipment coverage to cover your changes if your car is damaged in an accident. Still, you’ll pay more for the extra coverage.
If you lower your car, will it affect insurance rates?
Yes, lowering your car will make you pay more to insure it. Any change you make to your car will increase your insurance costs, but lowering your car has issues that will affect your rates.
Lowering your car’s suspension makes it harder to tow, can cause dangerous interactions between the frame and other parts like your tires or sway bar, and makes it more likely that your car will bottom out on speed bumps and rough pavement.
All these problems make it more likely that you’ll need to file a claim, increasing your insurance costs.
What if I raise my car’s height?
Yes, raising your car will likely change your car insurance. Raising your car’s suspension makes it less stable, so it’s more likely to flip over when you’re going fast or making a sharp turn. Your insurance rates will increase because the change makes you riskier and costs you more money.
Should I inform my insurance company about the modifications?
You must tell your insurance company if you change anything about your car, even if the suspension goes up or down. Your car insurance company needs to know about any changes you make to your car so they can set your rates correctly.
Modifications without intimation? Read to know more!
You should inform your insurance company about any changes you make to your car. Material misrepresentation happens when you don’t tell your insurer about changes. This is a fancy way of saying that you didn’t tell them something that would have changed your rate if they knew about it.
If you don’t tell your insurance company about any changes you make to your car, they might not pay a claim in the future or even cancel your policy when they find out about the changes.
Bottomline
Raising or lowering your car is a vehicle modification usually requires more car insurance coverage. Changing the height of your car can make it harder to tow, cause dangerous interactions between car parts, or even make it more likely to tip over.
Because of these new risks, your insurance rates will go up if you change the height of your car. If you make changes and don’t tell your insurance company, this is called “material misrepresentation.” In fact, it can cause your insurance company to deny a claim or cancel your policy.
Most agree that changing your car’s height doesn’t void your insurance. Additionally, it’s always a good idea to talk to an insurance agent to make sure you’re covered in case of an accident.
Car Modifications + Car Insurance = Best rates via Way.com
If you change your car, your insurance rates will go up. The exact amount you’ll pay depends on several things, like which insurance company you choose.
The easiest way to save money on car insurance is to compare quotes from different companies. You can do this on an online marketplace like Way.com.
Way.com is your Car Super App that helps you find a parking spot, get quotes for refinancing your car, find the nearest car wash and EV chargers near you, and get cash back on gas. We at Way.com can take care of everything you need for your car.
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