There’s a wide range of modifications, from ones that alter how your car performs to super-powered sound systems, so whether or not your rates are impacted depends on what you’ve done to the car. We recommend that you first check with your car insurance company to make sure any parts you’re adding are acceptable under the terms of your policy. Your insurer will let you know if you need to get a CPE endorsement to cover them for an additional fee and how the parts will affect your rates or policy. Remember that some modifications will cause standard insurance companies to drop you from coverage. For example, many car insurance companies won’t insure a car if it has an altered suspension or any modification that structurally changes its performance or appearance. You may be able to find coverage with a specialized carrier, but that typically will cost you more money.