Insuring a Unique Vehicle

Insuring a Unique Vehicle
Have you ever purchased a vehicle because you thought it was not only attractive but somewhat unique? We all want a vehicle that may stand out a bit from the crowd. No, it doesn’t have to be lime green or require a step ladder to climb into it but we certainly don’t want the same car our neighbors have. The problem is the minute we find that car or truck, we suddenly begin to see them all over the place. There’s a scientific reason for this involving the reticular activating system. It is the same reason why when you learn a new word, you suddenly start hearing it everywhere. It is an unstoppable force.
Many strive to make their vehicles their own and will go through great lengths to do it. Some will choose a classic car and meticulously restore it. Others may choose a large pick-up truck and make something resembling a Transformer out of it. Others will upgrade a Jeep or add custom wheels to a car. Frequently, big boy sound systems will be a part of the upgrade.
What, however, does an automobile insurance company think about this?
It is important to note that if you have one of these exceptional, unique vehicles, you have to take additional steps when it comes to properly insuring that vehicle. This means contacting your insurance company and letting them know of the upgrades and the time, effort and expense that went into improving it. This is a critical step in making sure that should there be an accident or incident involving the vehicle, you will have sufficient coverage.
Keep in mind, not every automobile insurance company offers specialized coverage on these unique vehicles. Our independent insurance agents, however, have contacts with multiple companies that do. They can not only help find you appropriate coverage, but can locate coverage that is priced competitively. After all, you would probably rather put more money into that vehicle than spending it on insurance.
We understand how important our vehicles can be. Contact us today and get the protection you and your special vehicle deserves.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
From French Fish to Spaghetti Trees: The Bizarre History of April Fools’ Day
Why do we play pranks on April 1st? Explore the centuries-old history and the most famous “fools” in world history.
Serious Fun: Managing Liability on International Fun at Work Day
Celebrating International Fun at Work Day this Wednesday? Learn how to boost morale without creating an insurance or HR headache.
Spring Clean Your Beneficiaries: A New Quarter Checklist for Life Insurance
As we enter the second quarter of 2026, it’s time for a 5-minute life insurance audit. Ensure your coverage matches your family’s newest milestones.
Put the Phone Away or Pay: The High Cost of Distraction in April 2026
April starts a national crackdown on distracted driving. Discover how one text message can double your insurance rates for the next three years.
No Joke: Protecting Your Home and Liability During April Fools’ Week
Planning a prank this Wednesday? Make sure your sense of humor doesn’t trigger a homeowners insurance claim for property damage or personal injury.
The Ark and the Dove: Why We Celebrate Maryland Day on March 25th
Why March 25th? Discover the history of the Ark and the Dove and the “Free State” origins of Maryland Day.
Celebrating Maryland Day: A Guide to Regional Compliance and Mid-Atlantic Risks
Happy Maryland Day! A look at the unique insurance requirements and environmental risks for businesses operating in the Old Line State.
The March Deadline: Understanding Your Life Insurance “Conversion” Window
Is your term life insurance expiring soon? Learn how to “convert” your policy into permanent coverage this March without a new medical exam.
Eyes on the Road: A Pre-April Guide to Distracted Driving and Your Premiums
April is almost here. Learn how your phone habits are being monitored by modern insurance “Telematics” and how to save money by staying focused.
Empty House, Full Protection: Securing Your Home Before the Spring Break Getaway
Heading out for Spring Break? Make sure your home insurance stays active while you’re gone. Essential tips for protecting your “vacant” home this March.