Does Pemco Insure Modded Cars?

Pemco Insurance is a company based in Seattle, Washington that provides a wide range of insurance products and services. One of the services they offer is car insurance, and many people who have modified cars may be wondering if Pemco will insure their vehicles. The answer is yes, Pemco does insure cars that have been modified. However, there are a few things to consider before you purchase a policy.

Understanding Pemco’s Coverage

Pemco offers a variety of coverage options for car owners. They offer liability coverage, which will pay for damages to other vehicles or for medical bills if you are at fault in an accident. They also offer comprehensive coverage, which will pay for damages to your car regardless of who was at fault for the accident. Finally, they offer collision coverage, which will pay for repairs to your car if you are in an accident.

All of these coverage options are available for cars that have been modified. However, the amount of coverage you get will depend on the type of modifications you have made. If you have made performance modifications, such as adding a turbocharger or nitrous oxide injection, you may not be able to get full coverage. This is because performance modifications can increase the risk of accidents, and Pemco may not be willing to take on that risk.

What Modifications Does Pemco Cover?

Pemco does offer coverage for some modifications. This includes cosmetic changes such as paint jobs, body kits, spoilers, and window tinting. It also includes mechanical modifications such as engine swaps, suspension upgrades, and exhaust systems. However, as mentioned above, performance modifications such as turbochargers and nitrous oxide injectors may not be covered.

How Much Does Pemco Car Insurance Cost?

The cost of Pemco car insurance will depend on several factors, including your driving record, the type of car you have, and the amount of coverage you choose. Additionally, if you have made modifications to your vehicle, the cost of insurance may be higher. This is because modifications can increase the risk of an accident, and the insurance company will need to charge more in order to cover that risk.

In general, Pemco is known for offering competitive rates for car insurance. They also have a wide range of discounts available, such as a multi-policy discount and a good driver discount. Additionally, they offer discounts for safe driving habits, such as taking a defensive driving course. Exploring these discounts can help you get the best rate for your car insurance.

Conclusion

Pemco does offer car insurance for cars that have been modified. However, some modifications may not be covered, and the cost of insurance may be higher if you have made modifications. It is important to shop around and explore the discounts available in order to get the best rate for your car insurance.