Your $5,000 Honda Civic is only a new exhaust, some coilovers and a sound system away from becoming a $10,000 Honda Civic.
Without the right types of car insurance coverage, though, you’ll get only money enough to replace it with a bone-stock version if you happen to total your tuned ride.
A well-modded car is a work of art. It looks right. It sounds right. It goes right. But an everyday car that’s come to life with the application of hundreds of your hours and thousands of your dollars is still just an everyday car to your insurance company.
Here’s how to decide whether you need to go the extra mile. Below are answers to some of the most common questions.