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.