Yes, adjusting your car’s height can affect insurance. Whether you want to increase or decrease your vehicle’s suspension, it can increase your rates. Adding distinctive touches to your automobile may enable your individuality to come through as you drive. This includes wheels, exhaust, or height adjustments. However, the cost of auto insurance goes up for such alterations and modifications, and special parts sometimes require extra coverage.
One type of vehicle adjustment that requires more coverage is raising or lowering your car. Your automobile may become more difficult to tow, have unsafe interactions between components, or even roll over more frequently if the height is changed. Furthermore, your insurance premiums will rise due to those elevated risks if you adjust the height of your car.
What Is Car Modification?
When a car owner modifies it beyond what the original manufacturer intended, it is referred to as a car modification. The most popular modifications are cosmetic adjustments, suspension enhancements, and engine swaps. While suspension modifications entail adding larger or stiffer shocks and springs, engine swaps require swapping the factory engine for a more powerful one. Moreover, cosmetic modifications might range from a new body kit installation to a paint color change.
Even though modifying a car might breach the manufacturer’s warranty, automobile enthusiasts often like making changes to their vehicles. Furthermore, before making any changes, speak with an expert because certain changes may hurt the vehicle’s dependability and safety.
How Does Lowering Your Car Affect Insurance?
Adjusting your car’s height will probably affect your insurance premiums. However, lowering by adjusting your car’s height has unique problems of its own that affect your insurance rates. Lowering the suspension increases the chance that your car may bottom out on the uneven pavement and speed bumps, makes it harder to tow, and creates potentially hazardous interactions between the frame and other components like your tires or sway bar. All of these issues boost the likelihood that you will have to submit a claim, which drives up the cost of your insurance.
How Does Raising Your Car Affect Insurance?
Your car’s stability is affected by raising the suspension, which increases the chance that it may roll over when accelerating or making a sudden turn. Moreover, your insurance premiums will increase as a result of the modification’s higher risk and additional expenses.
How Much Does Adjusting Your Car’s Height Increase Insurance?
An adjusted automobile will result in higher insurance rates, but the precise amount you pay will depend on several variables, including the insurance provider you select. However, the simplest method to reduce the cost of auto insurance is to compare quotes from several providers.
Why Would You Adjust Your Car’s Height?
Most people consider lowering an automobile to be only a cosmetic adjustment. There are several performance advantages to lowering your car in addition to giving it a more aggressive and athletic appearance. Reducing the center of gravity enhances handling and stability, particularly when navigating turns. In addition, lowering also improves fuel economy and results in somewhat faster speeds by reducing aerodynamic drag.
However, there are disadvantages to lowering your car. It may result in a less pleasant ride and increase the load on the suspension parts. As with any alteration, it’s crucial to get expert advice before making any adjustments to guarantee that your car is lowered correctly.
Do I Need to Notify My Insurance If I Adjust My Car’s Height?
Yes, you must notify your insurance provider of any changes you make to your car, such as adjusting the height of your car. In addition, for your auto insurance provider to appropriately calculate your premiums, they must be aware of any alterations you make to your vehicle.
What Happens If You Don’t Notify Insurance about the Adjustment
Notifying your insurance provider of any adjustment to your vehicle is crucial. Moreover, the act of not disclosing an adjustment to your insurer is referred to as material misrepresentation, which is a fancy way of saying that you withheld information from them that may have had an impact on your premium. If you don’t inform your insurance provider of any modifications you’ve made to your car, they may later reject a claim from you or even terminate your coverage if they learn of the alterations.
Final Thoughts
Car insurance coverage will often increase if you raise or lower your vehicle. Adjusting your car’s height can make it more difficult to tow, lead to hazardous interactions between components, or even increase the likelihood that it will topple over. If you adjust the height of your automobile, your insurance premiums will increase due to these increased hazards.
Making changes without informing your insurance provider is referred to as “material misrepresentation.” Indeed, it may lead to a claim denial or policy cancellation from your insurance provider. Furthermore, speak with an insurance representative to confirm that you have coverage in the event of an accident.
