Does lowering a car affect auto insurance?

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Here's what you need to know...
  • Insurance companies will learn about your car being lowered
  • You are at a higher risk of being in an accident
  • Premiums could go up because of being higher risk

Many people choose to lower their car as a way of enhancing the aesthetics. Several types of suspension kits are available aftermarket in order to lower a car and give it a sportier look. Lowering a car will have an impact on your auto insurance.

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What does lowering a car mean?


Lowering a car involves having it sit lower than it does right out of the factory. It’s possible to lower a car by replacing individual parts or by buying a kit. You might shorten the coil springs, adjust the torsion bar key, or even bend the leaf springs.

When you lower a car, you put the car at risk for various problems. Such problems include:

  • Making it hard to clear road obstacles
  • Bottoming out in a driveway
  • Reduced traction
  • Steering problems

You need to be aware of all of the potential problems when you lower your car. Plenty of people choose to lower their car despite the problems because of the benefits. These benefits include making the car more aerodynamic, improving fuel mileage, and reducing the rollover risk.

If you’re going to move forward with lowering a car, you have to look at the various problems and realize that insurance might consider you to be a higher risk.

You are at a higher risk of being in an accident. Additionally, your car is sportier looking and therefore you are often at a higher risk of having your car stolen because modifications are highly desirable in the aftermarket.

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Understand the Exclusions in Your Policy

All insurance companies have exclusions written in the fine print. One of the exclusions you have to look at is “racing parts.”

The problem is that racing parts are not always well-defined. You might need to get a full definition of what these parts entail as they could include a supercharger, a tachometer, and even a lowering kit.

If there are exclusions that include lowering your car, then damages would not be covered.

The cost of repair would be minus the springs and such that led to the lowering of your car and would be your financial responsibility to replace.

How will the insurance company know about the modifications?


If you don’t tell the insurance company that you have lowered your car, they’ll never know, right? Wrong.

If you have the work done at a professional garage, the garage might have access to a system where they enter the work under your VIN. Entering information into the system would create a record that you have aftermarket parts on the car.

If you do the work on your own, insurance won’t find out until you get into an accident. Once the adjuster starts to assess the damage, they will see that you have lowered your car.

Depending on any exclusions set in your policy, it will also affect how they handle the insurance claim.

Get the Needed Coverage

You need to have coverage on your policy, which is based on state minimums. You can then have additional coverage to include:

  • Higher liability levels
  • Personal injury protection
  • Comprehensive
  • Collision
  • Uninsured motorist

You also have to look at whether the insurance company is going to cover the full value of your car. Most of the time, insurance companies pay based on the depreciated value of your car.

When you add aftermarket parts, the value of your car goes up. However, insurance doesn’t usually calculate these parts into what they will pay for in repairs or a total loss.

You could then be paying out-of-pocket for the parts to lower your car or you could add more coverage. It’s helpful to work with an agent to get help on finding the right coverage for your car. It would allow you to have the right coverage on your policy and protect your car since it is lowered.

Before you choose to lower your car, it’s important to look at the ways it will affect your auto insurance. Premiums might go up because you’re at a higher risk of being in an accident.

Further, when filing a claim, the insurance company might not pay for everything because of adding aftermarket parts to your car.

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