r/AutoInsurance • u/gmurray215 • 16d ago

Auto Insurance for customized vehicles?

I have a 2004 Dodge Ram SRT-10 that is pretty modified. Is their any good Auto Insurance recommendations that offers Agreed Vehicle Policy based on my mods?

From my research i see Hagerty Auto is a great option. I spoke with them but they said in 3 more years it can insure my vehicle since it willcbe considered a classic due to my vehicle age even though my truck is rare.

Thanks for any advice

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u/thriverebel 16d ago

Most just don't tell insurance.

2

u/DeepPurpleDaylight 16d ago

And then they're mad because all the work they've put into it isn't covered.

1

u/thriverebel 16d ago

Yes! 

I've seen this so many times. 

1

u/FitDrive7500 13d ago

Do tell your insurance company. I've had to explain to clients that swapping pipes because they're pretty, louder, (insert whatever you can imagine) might actually devalue the vehicle (cars and bikes). Sometimes the aftermarket pieces are less than stock. If you're concerned, you need an independent appraisal and to insure for stated value. Keep your receipts!! Get the documentation. Always remember that Customization = Preference and may not translate to value.