Does body kit increase insurance?

Does body kit increase insurance

Does body kit increase insurance? It’s a question that has been debated for years – does having a body kit on your car make you more likely to be in an accident, and therefore increase your insurance premiums?A body kit can completely change the look of a car, and for some people, that’s all they need to feel good about their ride. But does adding a body kit also increase your insurance premiums? We did some digging to find out.

Some people swear by the aerodynamic enhancements and reduced wind resistance of a good body kit, while others think they just make the car look tacky. So which is it? Does having a body kit increase your car insurance premiums? Let’s take a closer look.

There is no definitive answer when it comes to how a body kit will affect your car insurance rates. Generally, insurers will lump together all modifications made to a car into one category, so it’s difficult to say with certainty how adding a body kit will impact your rates. However, some factors that could influence the decision include the type of kit added, its overall level of aggressiveness and whether or not it is approved by the manufacturer. In most cases, you can expect to pay more for car insurance if you have a body kit than you would if you didn’t have one.

What are body kits?

Body kits are usually composed of a front bumper, side skirts, and a rear bumper. They are sometimes also called ground effects kits because they can make a car appear to hug the ground. Body kits can give your car a completely new look, or they can be used to enhance certain features that you already like. Many body kits are designed to improve the aerodynamic properties of a car, which can result in improved fuel economy and performance. Other body kits are simply meant to give your car a more stylish appearance. Whether you’re looking for function or form, there’s sure to be a body kit out there that’s right for you.

Body kits are modification accessories or parts that can be added to a car in order to change its appearance and style. These kits usually include spoilers, side skirts, bumpers, and other custom parts that can give your car a more aggressive and unique look. Some body kits may also offer performance benefits such as improved aerodynamics which can help increase speed and fuel efficiency.

Body kits are aftermarket assemblies that primarily modify the appearance of a vehicle. They can include ground effects packages, which lower the car and give it a more aggressive look, as well as spoilers, side skirts, and other visual modifications. Many body kits also change the functionality of the car, such as improving aerodynamics or increasing downforce. Some body kits are designed to be installed by professional mechanics, while others can be done at home with basic tools.

When choosing a body kit, it is important to consider the style of the kit and how it will change the look of the car. It is also important to make sure that the kit is compatible with the make and model of the car. Most body kits come with installation instructions, but it is always a good idea to consult with a professional before making any modifications to the car.

Body kits are aftermarket auto parts that can be used to customize the look of a vehicle. They typically include components like front and rear bumpers, side skirts, and spoilers. Body kits can be made from a variety of materials, but most are made from fiberglass or polyurethane.

Body kits became popular in the 1980s as a way to make cars look more aggressive and sporty. Many Japanese tuner cars featured body kits inspired by the styling of Formula One race cars. In recent years, body kits have become more refined, and many high-end luxury cars come with factory-installed body kits.

If you’re looking to customize the look of your car, a body kit is a great place to start. There are literally hundreds of different styles to choose from, so you’re sure to find one that fits your taste. Just be prepared to spend a bit of money, as body kits can be quite expensive.

Why do body kits exist?

Body kits exist for a variety of reasons. Some people use them to improve the look of their car, while others use them to improve its performance. Body kits can also be used to repair damage to a car’s body.

Body kits are designed to improve the aesthetics and performance of a vehicle. They can give a car a more aggressive look, or make it appear more aerodynamic. Body kits can also improve the handling and grip of a car by providing better downforce. Ultimately, body kits exist to give drivers a way to personalize their cars and make them stand out from the crowd.

The Truth About Body Kits And Insurance

Most people think that installing a body kit on their car will automatically increase their insurance rates. The truth is, it depends on the insurance company. Some insurers may consider body kits to be a modification that could potentially increase the risk of damage or theft, while others may not view them as such. It’s always best to check with your insurer before making any changes to your car.

If you’re planning on adding a body kit to your car, you may be wondering if your insurance will cover the cost of repairs if you get into an accident. The truth is, it depends on your insurance policy and the type of body kit you have.

Most insurance policies will cover the cost of repairs for cosmetic damage to your car, but they may not cover the full cost of replacing or repairing a damaged body kit. It’s important to check with your insurance company to see what is and isn’t covered under your policy.

Some types of body kits are more likely to be covered by insurance than others. For example, if you have a factory-installed body kit, your insurance company is more likely to cover the cost of repairs than if you have aftermarket parts.

It’s also important to note that some insurance companies may raise your rates if you add a body kit to your car. This is because they view body kits as a higher risk for accidents and damage. So, before you make any changes to your car, be sure to check with your insurance company to see how it will affect your rates.

Does a body kit increase your insurance rates?

This is a difficult question to answer, as there are many factors that can affect your insurance rates. While a body kit may make your car more attractive, it could also make it more susceptible to damage in an accident. This could lead to higher repair costs, and potentially higher insurance rates. Ultimately, it’s important to speak with your insurance agent to see how a body kit might impact your rates.

Surprising factors that affect your car insurance rates

What factors affect your car insurance rates? Many people are surprised to learn that their gender, marital status, and even credit score can all play a role in determining their premium. Here’s a closer look at some of the surprising things that can impact your car insurance rates.

Gender: Believe it or not, gender plays a factor in your car insurance rates. In general, insurers consider men to be riskier drivers than women. This is reflected in higher premiums for male drivers.

Marital Status: If you’re married, you may qualify for a discount on your car insurance. insurers see married couples as more responsible and less likely to take risks on the road. This can lead to lower premiums.

Credit Score: Your credit score is another factor that can affect your car insurance rates. A good credit score is seen as a sign of financial responsibility, which can lead to lower premiums. Conversely, a low credit score may be seen as a sign of financial risk, leading to higher premiums.

These are just a few of the surprising factors that can affect your car insurance rates. To get the best rate possible, it’s important to shop around and compare quotes from multiple insurers. By doing so, you can be sure you’re getting the best possible rate for your situation.

Reasons why your body kit could be increasing your insurance rates

There are a few reasons why your body kit could be increasing your insurance rates. First, body kits can make your car more difficult to repair after an accident. This is because they often require special tools and equipment to remove and replace them. Additionally, body kits can also make your car more susceptible to theft. This is because thieves may target cars with body kits, thinking that they are more valuable. Finally, body kits can also make your car more likely to be involved in an accident. This is because they can change the aerodynamics of your car, making it more difficult to control.

One of the reasons your insurance rates could be increasing if you have a body kit is because they are often times made of materials that are not as durable as the factory parts. This means that if you were to get into an accident, the repairs would likely be more expensive. In addition, body kits can sometimes make it difficult for emergency responders to get to passengers in the event of an accident. This can also add to the cost of repairs and increase insurance rates.

Why you should never get a body kit if you want to keep your insurance costs low?

You might be tempted to get a body kit for your car in order to make it look more stylish. However, you should think twice before doing so, as it could end up costing you more in insurance premiums.

Body kits can make your car look lower to the ground and more aggressive, which is often seen as a higher risk by insurers. This means that you could end up paying significantly more for your insurance, even if you have a clean driving record.

So if you’re looking to keep your insurance costs low, it’s best to avoid getting a body kit for your car. Stick with the standard factory model instead and you’ll save yourself money in the long run.

Custom body kits

Depending on your particular insurance provider, you may not be able to drive home with a new body kit on your hands. Luckily, there are a few insurance companies that specialize in customized cars, so you won’t have to break the bank. In addition to providing insurance coverage, these companies also offer perks such as rental reimbursement and complimentary insurance for your guests.

One of these companies is Esurance, which offers a bevy of insurance products ranging from traditional insurance to insurance for your classic cars. They even offer a smorgasbord of perks ranging from complimentary insurance for your guests to discounts on new tires to name a few. Despite the myriad choices, there’s a small but select group of insurance experts that can help you find the right insurance policy for your needs. The more specific your needs are, the better. They can even help you with the budgeting process, making your auto insurance policy as easy to manage as possible.

Fiberglass or polyurethane

Purchasing a body kit for your car can change the look and performance of your vehicle. These body kits are designed to fit various models and make your vehicle look like it came straight from the factory. They also affect the aerodynamics of your vehicle. However, you should also consider the costs and disadvantages of these kits before making a decision.

One of the most common materials used for body kits is fiberglass. This material is relatively inexpensive, though the quality of the parts can vary. Fiberglass body kits are lightweight and can be painted easily. However, they can crack with heavy impacts.

Another popular body kit material is polyurethane. Polyurethane is more expensive and can be more difficult to install. It is also susceptible to warping, which can occur in high temperatures. The material is also heavy. Polyurethane body kits are known for their durability.

Polyurethane body kits are popular among enthusiasts. They are resistant to damage and are also able to flex without breaking. They are also easy to install.

Resale value

Having a well-made body kit has its benefits. Among other things, they can lower your insurance bill and help you to recoup your initial purchase. The only downside is the time you’ll spend installing them. Thankfully, they come in a variety of styles, materials and colors to suit your style. They’re also more tolerant to wear and tear than their pre-owned counterparts.

If you’re going to splurge on a body kit, make sure to use a trusted name in the business. For instance, the aftermarket experts at Mopar will not only give you the nitty-gritty details on their line of custom performance enhancements, but they’ll also stand behind their work. They’re also the first name in the know when it comes to warranty replacements. This is especially true if you’ve been a long-term loyal customer. Likewise, if you’ve had the good fortune to work with a service provider like GM or Ford, you’ll likely be able to count on a more hands-on experience.

5 body kit upgrades that won’t break the bank

1. Front Lip Spoiler

Looking for a way to add a little extra style to your car? Check out our selection of front lip spoilers. These spoilers attach to the front of your car and give it a sleek, aerodynamic look. Front lip spoilers are also great for improving the performance of your car by reducing drag and helping to keep it stable at high speeds. So if you’re looking for a way to make your car look and perform better, browse our selection of front lip spoilers today!

2. Side Skirts

Side skirts are a type of body kit that can be added to a vehicle to improve its appearance. They are usually made from a lightweight material such as carbon fiber or fiberglass, and they attach to the sides of the vehicle using brackets or adhesive. Side skirts can give a vehicle a more aggressive look, and they can also help to improve its aerodynamic properties.

3. Rear Diffuser

A body kit can really change the way a car looks and make it stand out from the crowd. Adding a rear diffuser can be a great way to make your car look more aggressive and sporty. It can also help to improve aerodynamics and performance. If you’re looking for ways to make your car stand out, a body kit is definitely worth considering!

4. Rear Wing Spoiler

If you’re looking to add a body kit or rear wing spoiler to your car, you’ve come to the right place. We carry a wide selection of body kits and spoilers from top brands like APR, Duraflex, Extreme Dimensions, VIS Racing, and more. Whether you’re looking for a subtle addition or a dramatic transformation, we have the body kit or spoiler you need to make your car stand out from the rest.

So take a look around our site and find the perfect body kit or rear wing spoiler for your car. And if you have any questions, our team of experts is always here to help. So don’t hesitate to contact us today!

5. Roof Spoiler

Body kits can make your car look more aggressive, and roof spoilers can give it a more aerodynamic look. But which one is right for you? Here’s a quick guide to help you decide.

If you’re looking to add some style to your car, body kits are the way to go. They can give your ride a whole new look, and they come in a variety of styles to suit any taste. Roof spoilers, on the other hand, are more about function than form. They’re designed to improve your car’s aerodynamics by reducing drag and increasing downforce.

So, which one should you choose? If you’re mainly concerned with how your car looks, then body kits are the way to go. But if you’re interested in improving your car’s performance, then roof spoilers are the better option. Whichever route you choose, make sure you do your research to find the best quality products for your ride.


Q: Does installing a body kit void my car warranty?

A: No, installing a body kit will not void your car warranty. However, if you make any modifications to the suspension or engine as part of the install process, those could void your warranty.

Q: Can I install a body kit myself?

A: If you’re handy with tools and have some basic automotive knowledge, you may be able to install a body kit yourself. However, we recommend leaving it to the professionals to avoid damaging your vehicle.

Q: How much does a typical body kit cost?

A: The cost of a body kit can vary depending on the materials used and the complexity of the design. In general, expect to pay anywhere from $500 to $5000 for a quality kit.


A body kit does not necessary increase your insurance rates, but it could depending on the insurer. Factors that will be considered include what type of kit you have, how flashy it is, and your driving record. If you are considering adding a body kit to your car, be sure to research different insurers and their policies to find the best deal.

There is no definitive answer as to whether or not a body kit increases your insurance rates.
-There are many factors that go into determining your car insurance rate, including your driving record, the type of car you drive, and where you live.
-A body kit may be seen as an increased risk by some insurers, but it ultimately depends on the individual company and their underwriting guidelines.
-If you’re looking to buy a body kit for your car, it’s important to shop around and compare quotes from different insurance companies to find the best deal.

If you’re considering adding a body kit to your car, consult with an insurance agent first to find out how it may impact your rates. Contact us today for more information about our products and services!

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