Anyone who drives a customised car knows how difficult it can be to find a cheap insurance quote. Whether you have added simple modifications such as custom alloy wheels, a performance exhaust or increased the size of your engine, you need to tell your insurer if you want to be covered in the event of an accident.

The problem is that in the company’s eyes making these modifications to your car increases the risk of you having an accident. With an increased risk of accident comes higher premiums which can leave an owner wondering if the effort of building your dream motor has been worth it.

The trick to finding cheap modified car insurance is to track down an insurer that specialises in dealing with custom vehicles. You see, standard insurance companies don’t want to touch custom machines with a barge pole due to the fact they have little experience in the area of custom machines. They are unable to accurately quantify the risk you pose which leads them to quote premiums which are vastly overpriced.

A specialist insurer has the experience and patience to treat you as an individual to find a fair premium for your modified car. Seek this specialized modified insurers out and you will be rewarded with a quote which will leave much more money in your pocket.

A few things to remember when looking for cheap modified car insurance:

1. Be 100% truthful with the insurer about all modifications made to your vehicle. Failure to mention certain customisations may lead to your cover being null and void in any event that you need to make a claim.
2. Carrying out a search for Car insurance for modified cars online will cause you to find a good quote quicker and with much less hassle than any other method.
3. If you’re going to make major modifications to you car such as boring out the engine you should really get a quote before carrying out the work. Failing to find a reasonable price before undertaking major custom work such as this can lead to extortionate unforeseen premiums.

* Offer to keep your machine in the garage overnight.
* If you’re only going to drive the vehicle at weekends or during the summer months it will pay to get a quote for a limited mileage policy.
* Getting a security device fitted is a great way to get cheaper insurance. Not only will it reduce your premiums but it will reduce the likelihood of your pride and joy getting stolen by a thieving gypsy knob head. Trackers especially useful as they vastly increase the chances of getting your car back if it is stolen.
* Don’t use your vehicle for commuting.
* Stay away from major modifications such as boring out the engine.
* Work up a few years no claims bonus before you consider insuring a vehicle which has been heavily modified.

For that reason its becoming increasingly popular for those of us with modified cars to take our vehicles for a track day meet every so often. This throws up additional problem as far as insurance is concerned as most insurers will refuse to cover you for track days on your standard policy.

As it turns out, crashes on track days are actually pretty rare as most drivers are at the wheel of their pride and joy and will be unwilling to take stupid risks with their high performance cars. A few companies actually recognize this fact and will actually give you free modified track insurance. Yes, you read that right. There are companies out there who will give you free modified car track day insurance.

If you are intending to use your custom car on track days throughout out the year then you really should track these specialised insurers down as cover for individual track days will turn out to be exorbitant.

Taking your car to the track

Of course, you also have the choice to forget about specific track day insurance if you are willing to take the risk of crashing your car and writing off the value. It something I have done in the past and I know many people still do it. You have to weight up the possibility of crashing and the what the value of your car means to you. Its something I can’t in good conscience recommend to others and I certainly won’t be doing it again.

Planning ahead and budgeting to make sure you can afford to get your track day insurance included in your annual cover is the sensible option. That way you can put you mind at rest when you are at the track and concentrate on pushing your custom vehicle to the limit.

Modified car engine

One things that no custom car aficionado cares to think about is the huge premiums they are forced to pay when they purchase modified insurance for their pride and joy. Modified car insurance is one of those necessary evils which life throws at us to stop us from being too happy. Just when you think life can’t get any better you phone up your regular insurance company and get the news that your premium for the year has gone up hundreds of pounds. What you need to do is find a specialist modified car insurer who understands what it means to drive around in a vehicle that means more to you than anything else in the world.

Your bog standard insurer sees you as a number, a number that is incapable of driving responsibly or looking after a car that cost you two years and one of your kidneys to build. You’re going to have to do some serious research to find a that understands what your car mean to you and will give you an acceptable offer. Search the Internet, ask your friends which modified car insurer they use and get in touch with owners clubs for your model of car.

If you are one of the young males who have traditionally had such a great passion for making cars go faster and look better to help you pull the chicks then you probably already know that you are going to have a particularly difficult time finding a deal. Finding car insurance for young drivers at a reasonable price is hard enough at the best of times but you may find that many insurers simply won’t want to know you when inquire about a quote. You are really going to have to do some serious searching of the Internet if you want to find a policy that isn’t financially crippling…Good Luck!

It can be helpful to consider how car insurance works before deciding on which policy to use to cover your pride and joy in case of an accident or theft. There are many different levels of coverage available from motor insurers and you will find that getting the cheapest is always the most sensible option.

Different countries and states within countries have different requirements when it comes to what is legally required for an individual when taking out a car insurance policy. Ensure that you know these legal requirements when inquiring about a modified car insurance quote. Also keep in mind that just because a policy covers you for all that is legally required doesn’t mean that it is the correct policy for you. Getting the minimum cover possible may work out to be cheaper in the short term but if you are involved in an accident of your vehicle is stolen it could turn out to be a very expensive mistake.

We modify our cars because we want to create something of beauty and in doing so we find ourselves with a vehicle which means more to us than any lump of metal really should. With this being the case it makes sense to ensure that we find a modified car insurance quote which matches the value of our possession. If your modified car has cost a fortune to build you really need to think about getting a comprehensive policy which covers you for the entire cost of any damage done by yourself or others.

Also, when getting a modified car insurance quote think about how you are going to be using the car. If the car is your everyday method of transport all may want to get a policy which provides you with a hire car in the event of your vehicle being off the road. Legal expenses cover is another thing that may be available from some of the better insurers and may be a good choice of certain individuals.

Thinking carefully about the insurance policy you decide to take out might seem like a waste of time at the moment when all you want to do is drive around in your pride and joy, but consider the consequences that making a rash decision now could have in the future. Keep this in mind the next time you apply for a modified car insurance quote and you will be far more likely to make the right decision.

Think about it from the insurers point of view for a moment and it seems pretty obvious why they would treat young drivers in this manner. To an insurance company you a just a number, a statistic and a faceless being on the end of a telephone. The only way they have to judge how big a risk you pose to the financial success of their business is to use the information you give them to try decide how likely is is that you are going to make a claim on your policy if they grant you cover.

The statistics show that very young people who are new to driving are more likely to make claims, that’s a fact. It is therefore obvious that car insurance for young people is going to reflect this fact by being more expensive than we would like. There really is no way around it, although we can usually find a wide variation in quoted premiums by shopping around with a large number of insurers before making a decision.

If you are a young driver who has just passed their driving test recently then the best advice if you want to spend as little as possible on your insurance is to drive a car which the insurance companies deem to pose a smaller risk. This is of course unless you have an unlimited financial resource and don’t mind paying extortionate prices for a years insurance cover.

Get a few years driving experience under your belt first in a car which isn’t a high performance vehicle and which has a limit cash value. Then, 2 or 3 years down the line when you have the experience and hopefully have avoided making any claims make inquiries with a specialist modified car insurer before you make any purchases to see if the quoted price is acceptable to you.

Getting young modified insurance for any car is a challenge and something that should really only be tried if you have a true passion for custom cars. The prices involved for insurance mean that for most of us its better to wait a few years during which time we can obtain insurance for a standard vehicle and build up some valuable experience on the roads which will come in handy in the years of modified motoring we have to look forward to.

Passing your driving test should be a time of joy with a new sense of freedom in your life as you gain the possibility to go wherever you want, whenever you want. Once you’ve passed your test though it can be a struggle to get the money together to pay for all the expenses related to getting a car on the road.

Of course, first of all you need to get your hands on a car, this will naturally be your biggest outlay. Next up car insurance for young drivers is notoriously expensive, much more so than any other age group. The reasons for this is obvious, young drivers have little to no experience on the road, making them an increased accident risk. Insurers have to charge higher insurance premiums to young drivers to make up for all the policies they have to pay out on.

There are many other charges to add on which makes driving expensive such as getting your car MOT’d, Taxed and serviced, and then there’s the high cost of petrol which always seems to be rising too fast.

So, unless you’ve got really rich parents who are willing to foot the bill for all this you are going to have a tough time getting on the road unless you’ve got yourself a well paid job.

There are a few ways you can save some money which may allow you to get started for a little less. Obviously you can buy the cheapest car you can possibly find which may be a good idea, but make sure you’ve got some who is car savvy to make sure you don’t buy a heap of junk.

You may also be able to get cheap car insurance for young drivers from one of the many online insurance brokers who specialise in people who are new to the road.

There are a few things you can do to ensure that you have the best possible chance of getting cheap car insurance.

1. Buy a car which is in a low insurance group – These will be cars with smaller engines meaning they have less power and therefore as generally not crashed as much.

2. Insure a car under your parents name and get yourself put on as a named driver – This takes advantage of your parents experience as drivers and if they have a no claims bonus they are no using this could save you a lot of money on your car insurance. The only problem of not having your own insurance policy is that you won’t be building up your own no claims bonus.

3. Take The Pass Plus test – This is an extra driving test you can take for which many car insurers will give a discount on your insurance premium. This is probably the last thing you want to do after having your first driving test but if you are that way inclined it might make sense for you.

4. Get third party insurance – If you car isn’t worth too much money you might choose to take third party insurance which only covers the cost to the other driver’s car in the event of an accident.

5. Shop around – There are hundreds of companies out there who will be only too happy to insure your car for you. Make a point of getting car insurance quotes off as many as you can. Ask your friends where they get their insurance and how much they pay.

Most of the expenses involved in driving a car are unavoidable but it is possible to save a little money if you are sensible about what car you buy and how you go about getting your young drivers car insurance.

Rest assures that these are the toughest time in your driving career, things will get better as the years go on, you build up a no claims bonus and get more experience on the road.

Custom car insurance is usually available for the following types of vehicles:

• Student cars
• Kit cars (Caterham, Cobras etc)
• American Imports
• Japanese Imports
• Customized cars
• Performance cars
• Hot hatches
• Replicas

Why do car insurers ask for higher premiums on modified vehicles? When you carry out modifications in the structure of cars, both you and your car represent a higher risk. Even minor modifications on the car can affect its performance on the road. These risks are identified by insurers and they would ask for higher premiums for a modified vehicle. Fortunately, there are useful techniques to get modified car insurance at affordable rates and some of them are described below:

Compare rates and features

You should take your time to compare modified car insurance quotes since this can help you save a lot of money. Receiving a large number of quotes and comparing them is not something enjoyable, however, if you want to make the most of your money, you should do whatever is necessary for you.

While you’re comparing rates and features of modified car insurance policies, you should read the fine print cautiously. Be aware of limitations and omissions in the policies. If you have any confusion about the coverage offered by various companies, don’t balk to ask questions. If you don’t want to talk to insurance agents, you need not call the insurer. Just send your queries through an e-mail and wait for the answers. Most reputable insurers would reply to your questions within a period of 48 hours so you can hope for a prompt reply for them.

Equip your car with safety devices

You can cut down on your modified auto insurance premiums if you install security devices like LoJack, tracking devices or alarms in your vehicle. When your car insurance premium is worked out, most insurance companies take into consideration the probable degree of risk involved. Higher risk attracts higher premiums. Fixing safety devices in your vehicle can successfully reduce the extent of risk. As a result, you end up paying a lower insurance premium.

Buy your insurance policies from the same insurer

If you aim to buy modified auto insurance at a more reasonable rate, you should buy all your insurance policies from the same insurance carrier. Most insurers offer discounts to dedicated customers. They do it so that the customers don’t go for any other company.

Look for discounts

You should look for specials such as limited mileage discounts and owner’s club discounts to lower your modified car insurance rate.