Custom Auto Insurance

Compare Quotes

As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.

Custom Auto Insurance

When it comes to insuring customized vehicles, it’s crucial to have a clear understanding of the various custom auto insurance coverages available. Customized vehicles, such as modified cars, street rods, or antique vehicles, often require specific coverage due to their unique features and higher values. Customized vehicles can be insured using multiple coverage options. The most common ones include:

Liability Coverage: Provides protection if you’re held legally responsible for causing injury or property damage to others while driving your customized vehicle.

Collision Coverage: Covers the cost of repairing or replacing your vehicle in the event of an accident, regardless of fault.

Comprehensive Coverage: Protects your customized vehicle against non-collision incidents such as theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage: Offers coverage when the at-fault party lacks insurance or has inadequate coverage to fully compensate you for damages.

Specialty Coverage: Some insurance providers offer specialized coverage options tailored specifically for customized vehicles, including agreed value coverage, restoration coverage, or modified parts coverage.

Determining the value of a customized vehicle can be more complex than that of a standard vehicle. Insurance companies typically use various methods to assess the value, including:

Appraisal: Many insurers require an appraisal by a qualified professional who evaluates the vehicle’s condition, modifications, and overall value.

Documentation: Maintaining detailed records, invoices, and photographs of modifications and customizations can help establish the value of your vehicle.

Agreed Value: Some insurers offer agreed value coverage, where you and the insurer agree upon a specific value for your customized vehicle. This ensures you will be reimbursed for that amount in case of a covered total loss.

There are additional custom auto insurance coverages that cater specifically to customized vehicles. These often include:

Modified Parts Coverage: Protects the customized parts and accessories installed in your vehicle, such as high-end audio systems, custom paint jobs, or aftermarket modifications.

Restoration Coverage: Insures vehicles that are undergoing restoration, accounting for the potential risks associated with partial disassembly and multiple stages of work.

Show and Exhibition Coverage: Offers coverage specifically for vehicles displayed at car shows, exhibitions, parades, or similar events.

Insuring customized vehicles necessitates a comprehensive understanding of the available coverages, as well as specific considerations for valuation, modifications, and desired protection. By addressing these crucial insurance coverages for customized vehicles, we aim to assist you in making informed decisions to safeguard your unique and cherished ride.

Insurance Services

At Insurance Group of Minnesota LLC, our policies are tailored to meet the unique needs of each customer. We offer flexible coverage options, competitive rates, and exceptional customer service to ensure that our clients have the peace of mind they need to enjoy their custom autos with confidence. Our custom auto insurance products can provide additional insurance coverages including: