So you’ve decided to modify your motor, or opt for a specialist or kit car. As a car enthusiast, you’re happy to invest in your pride and joy and, of course, higher insurance premiums are part of the package.
But you can still cut costs with Confused.com: we have many policy providers for you to compare car insurance quotes from.
Kit cars
Some companies offer car insurance policies covering a limited mileage, specialist parts and an agreed value cover, perhaps part of the car value rather than all of it, to drive down your premium.
An increased voluntary excess will also reduce your premium, as will added security. Make sure an alarm and immobiliser are part of your upgrades and keep the car in a garage if at all possible. Paying your annual premium in one go will also reduce costs.
Popular kit cars covered include Westfield, Ginetta and AC Cobra.
Modified cars
Modifying your car can provide you with a really unique, personal driving experience.
And the good news is, while car insurance premiums are generally higher, there is a lot you can do to get the best quotes for cheap car insurance on Confused.com.
While modification to items such as the engine or exhaust can drive up the cost of your car insurance, adding an alarm and immobiliser can help offset some of the cost.
As with kit cars, consider paying your annual premium in one go, as interest is added to money payments. Park in your garage, or rent one nearby, if at all possible and enquire about an increased voluntary excess on your policy to reduce your quote further.
Keep modifications in keeping with the vehicle style and tasteful to keep the resale value of your car to a maximum.
Tim Naylor at British Car Auctions said: "That boy-racer bling may be appealing now, but retro-fittings can put the average buyer off.
"The majority of motorists are wary of any upgrades that are retro-fitted, particularly on younger cars, where there are concerns that this might void any warranties. And by modifying a standard car you are actually reducing your potential audience of buyers."
Top tip
In the time it’s taken you to read this article, you could have completed the easy-to-use Confused.com form and have a list of quotes at your fingertips. Got another five minutes? Compare car insurance quotes now or bookmark the page for later.
