Automobile Insurance Application Montgomery Alabama AL

Reader’s Question:

How do you get insurance in Montgomery Alabama for a custom car? Let’s say I’m filling out a car insurance form and it asks the make and model, but the car was custom made; what should I put in the form?

Kelly

Montgomery, AL

There are certain companies that will write policies for custom-made cars. The best way to get coverage on this is to call a local independent agent; they have a lot of resources and companies they write with and can find you coverage for it. Good luck to you, hope they can help you like they did me!

Unfortunately, customization is the sort of thing that tends to upset insurance companies, not least because it automatically brackets the owner into the ‘enthusiast’ group – a euphemism for people who like to get more out of their cars than just the A-to-B routine. So, before you do anything with your car– even changing the alloy wheels – think it twice.

Unless you specifically are looking for a policy demanding it, if your car is written-off you’re unlikely to receive much – if anything – extra for the modifications you have made, as every car has a standard book value which insurers pay out in a case of a total loss. In some cases it may even make the total value of your car lower; modifications are almost by definition ‘individual’, and individualistic colors schemes or design touches will not necessarily travel well to the next owner – all of which may be reflected in any insurance pay-out.

Remember that insurance payments reflect the car’s worth at that time – not what was paid for it. Shopping around is your best protection; get multiple auto insurance quotes from different providers in Montgomery Alabama to make sure you get what suits you.

Tags: auto insurance