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5916 N Lisbon St, Aurora, CO 80019
(8:00am - 6pm MST, Monday - Friday)
BY: KEVIN VOLZ | INSURANCE AGENCY PRINCIPAL
When it comes to car insurance, there are a lot of factors that go into determining your rates. Your car's make and model, your driving history, and where you live affect how much you'll pay for your policy. But what about modifications? Are they covered under a standard car insurance policy, or do you need to purchase a separate policy?
In Colorado, modified car insurance is available through most major insurers. However, not all insurers offer the same coverage, so it's important to compare policies before you purchase one. Here's what you need to know about modified car insurance in Colorado.
A mod, short for modification, is any change that you make to your vehicle that isn't part of the original factory design. This can include anything from aftermarket parts to custom paint jobs. Basically, if it didn't come on the car when you bought it, it's considered a mod.
Some mods are cosmetic, while others can affect your vehicle's performance. Performance mods include engine upgrades, suspension changes, or exhaust modifications. These mods can increase your car's value, but they can also make it more expensive to insure.
Not all mods will increase your insurance rates, though. Some are considered
safety features and may lower your rates.
Modified car insurance in Colorado is similar to a standard auto insurance policy but offers additional coverage for your modifications. Most modified car insurance policies will cover the following:
If you're looking for modified car insurance in Colorado, talking to your current auto insurance carrier is the best place to start. Many insurers offer modified car insurance, but the coverage and rates can vary from company to company.
You can also get quotes from multiple insurers by using an online comparison tool. This is a great way to compare rates and find the best policy for your needs.
When you're shopping for modified car insurance, be sure to give the insurer a detailed list of all the mods on your vehicle. This will help them give you an accurate quote.
No, modified car insurance is not required in Colorado. However, if you have any mods on your vehicle, it's a good idea to purchase a policy. This will ensure that you're fully protected in the event of an accident or other covered incident.

Remember that if you finance or lease your vehicle, your lender may require you to have modified car insurance. Be sure to check with them before making any changes to your policy.
The cost of modified car insurance in Colorado will vary depending on several factors, including the value of your vehicle, the type of mods you have, and your driving history. Generally speaking, the more valuable your vehicle is, and the more extensive the mods, the more expensive your policy will be.
If you have a clean driving record, you can expect to get more modified car insurance discounts than someone with accidents or traffic violations on their record.
The best way to get an accurate estimate of your modified car insurance rates is to get quotes from multiple insurers. Use an online comparison tool to get started.
If you drive without modified car insurance in Colorado and are involved in an accident, you could be held financially responsible for any damages. This means you could be on the hook for things like repairs to the other driver's vehicle, medical bills, and more.
You could also face penalties from your lender if you have a loan or lease on your vehicle. And if your vehicle is impounded, you'll be responsible for the towing and impound fees.
In short, driving without modified car insurance is not worth the risk. Be sure to purchase a policy before hitting the road.

The bottom line is that modified car insurance is a good idea if you have any mods on your vehicle. It will protect you financially in the event of an accident or other covered incident.
If you have questions about modified car insurance in Colorado, we can help. We've gathered all of the information you need to make an informed decision about your coverage. And if you're ready to start comparing quotes, we can help with that too.
Our online comparison tool is designed to help you find the best policy for your needs. We'll show you quotes from multiple insurers so you can compare rates and coverage options side by side. And we'll do it all for free.

Get started today and find the perfect modified car insurance policy for your needs.
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