Modified Vehicles

The degree to which your client’s vehicle is modified and the types of modifications determine whether it fits our program.

Modified vehicles can include the following:

Vehicles modified with any nitrous components do not fit our program.

Examples:

  • Custom paint job
    Custom paint job
  • Vehicle modification
    Vehicle modification
  • Engine enhancement
    Engine enhancement

Replicas

Replicas should duplicate vehicles that are no longer in production, such as ‘50s Porsche Speedsters or ‘20s Mercedes Benz Roadsters. Because the quality of these vehicles’ construction can vary greatly, we may require additional documentation of the vehicle’s condition prior to offering a policy. To qualify for our program, replicas must meet the following requirements:

  • Minimum value is $5,000
  • Minimum value is $35,000 for Shelby Cobra replicas (because of the power and performance these replicas may have, additional underwriting criteria may apply)

Examples:

  • 1980 Shay Model A
    1980 Shay Model A
  • 1955 Porsche Speedster
    1955 Porsche Speedster
  • 2003 Auburn Speedster
    2003 Auburn Speedster

Other modified vehicles, such as lowriders and tuners, must meet additional underwriting criteria.

Lowriders

Lowriders are vehicles that use hydraulic and air suspension to lower or bounce the car. To qualify for our program, lowriders must meet the following requirements:

  • Minimum value is $15,000
  • Households with more than one minor violation or claim in the last 3 years will not be considered. State exceptions may apply as required by law.
  • Vehicle must be kept in an enclosed and secure garage at residence
  • Photos of the garage are required prior to offering coverage
  • Usage must not exceed 2,500 miles per year and include hobby related events
  • Lowriders under construction will not be considered until they are complete
  • Those with a value of $50,000 or more require an appraisal
  • Those with a value of $20,000 or more must have one of the following active (proof required) anti-theft tracking devices: LoJack, factory OnStar, Brickhouse Security HCT Pro Plus or Escort Entourage CIS
  • Values between $15,000 and $50,000 require a minimum $1,500 comprehensive and collision deductible and lowriders valued over $50,000 require a minimum deductible of $2,500
  • Bounced vehicles can be considered in all states except NY.

Examples:

  • 1962 Buick LeSabre
    1962 Buick LeSabre
  • 1964 Chevrolet Impala SS
    1964 Chevrolet Impala SS
  • 1990’s GMC Suburban
    1990’s GMC Suburban

Tuners

Tuners are generally Asian or European manufactured sport compact vehicles that are highly customized for looks and/or performance. These vehicles are usually 1990 and newer. Typical modifications include tuned engines, body kits, carbon fiber, custom paint, wheels, and interiors featuring elaborate stereo equipment, TVs, video game systems, etc. To qualify for our program, tuners must meet the following requirements:

  • Minimum value is $30,000
  • Households with more than one minor violation or claim in the last 3 years will not be considered (state exceptions may apply as required by law)
  • Vehicle must be kept in an enclosed and secure garage at residence
  • Photos of the garage are required prior to offering coverage
  • Usage must not exceed 2,500 miles per year and include hobby related events
  • Racing usage is not acceptable
  • Daily use vehicles should be 5 years old or newer and in excellent condition
  • Tuners under construction will not be considered until they are complete
  • Those with a value of $50,000 or more require an appraisal
  • Those with a value of $50,000 or more must have one of the following active (proof required) anti-theft tracking devices: LoJack, factory OnStar, Brickhouse Security HCT Pro Plus or Escort Entourage CIS
  • Tuners valued $30,000-$50,000 require a minimum $1,500 comprehensive and collision deductible and tuners valued over $50,000 require a minimum deductible of $2,500

Examples:

  • 1989 Ford Probe GT
    1989 Ford Probe GT
  • 1999 Toyota Mark II
    1999 Toyota Mark II
  • 2000 Mitsubishi Eclipse
    2000 Mitsubishi Eclipse

Get a quote for your client’s modified vehicle.

All coverage not available in all states. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.