Whether it’s tinted windows, lowered or lifted suspension, or an engine upgrade, auto customization is a popular trend for car enthusiasts. In the early days of car customization, upgrades included specialty hubcaps and shiny paint jobs. Now, they range from fancy exhaust systems to expensive stereo systems, speakers and spoilers.

According to a recent SEMA Market Report, the auto specialty-equipment market continues to grow. Shows like “Overhaulin” and “Inside West Coast Customs” feed the popularity. These shows feature custom car work, innovative modifications and fun accessories that blow the mind.

Are you one of the millions of car owners who have upgraded their cars with aftermarket accessories? If so, you may wonder whether your standard car insurance covers customizations. Unfortunately, the answer is no. In fact, you should have special auto insurance coverage if you modify or add features to your car. This is especially important if the modifications increase the risk of accident or theft.

The definition of “customization” varies depending on your insurance company, but it generally refers to anything added to your vehicle that wasn’t made at the factory. This can include modifications to the chassis, body or frame; modifications to augment the car’s performance; or custom paint jobs that exceed a certain dollar amount. It could even apply to modifications for people with disabilities, such as steering aids or wheelchair ramps.

Riders and endorsements

Before you make extensive updates to your car, look over your auto policy to understand what it covers and what it excludes. You’ll likely have to purchase a special equipment rider or endorsement for an added premium. This endorsement covers custom equipment you can’t afford to replace out of pocket.

Some modifications will actually lower your premium, such as:

• Safety and security customizations
• Antitheft systems
• Rearview cameras
• Adaptive headlights that enhance night vision

Remember that any car modification or customization should be performed and inspected by a professional to ensure safety.

Ask your Rathbun Insurance account manager if you need additional coverage for your customized car. They can help you make sure your investment is adequately protected.