Which Modifications Affect Car Insurance? 
If you are adding any special features to your vehicle that increase its value , or add items that enhance performance , you will generally see some form of an increase to cover the added amount of value . For example , if your vehicle has custom $ 5,000 rims and a $ 3,000 after-market stereo system , and if you want it to be covered in the even of a loss , you would need to report these special features to your insurance company . This will in-turn increase your premium the appropriate amount to cover the special features . Thanks for asking ! 