It’s no secret that a change to a car’s specification gets termed a modification. From a different style of wheels to an engine transplant, insurance costs can rise.
We all know that car insurance is one of the biggest expenses we have to bear. Sure, we could make any changes we want and not tell our insurers. But what happens if you make a claim on your policy? If you haven’t declared any modifications, your insurance could become void. And that could land you in legal hot water!
The good news is that there are some changes you can make that won’t affect your premiums. Here are five of the best ones you can do to make your car more individual:
1. Full exterior detailing
After a while, all cars end up looking sorry for themselves. The elements and the environment take their toll on your car’s body and paintwork. One thing you can change is the exterior appearance of your car.
Let’s face it; a simple wash and wax won’t solve the problem. You can pay a valeter to give your car a full exterior detail. This includes “mopping” the paint with a polishing machine. It’s a process that removes a fine layer of lacquer. Doing so achieves a shinier and more uniform finish. Once the work gets done, your car will look better than it did brand new!
You can have exterior detailing done on any car. It doesn’t matter if you own a Ford Fiesta or a Mercedes C-Class!
2. Private number plates
Why stick with the registration that came with your car when you can get a private one? There are thousands of private number plates available to buy these days. You can opt for vanity plates or ones that refer to something meaningful in your life.
The great thing about private plates is you can transfer them to your future cars.
3. Engine rebuild
If your car has done more than 100,000 miles, it’s likely that it won’t be running as well as it did from day one. One thing you can do is have your engine rebuilt. In a nutshell, this means removing it from your car and stripping it down to component level.
Each part either gets refurbished or replaced and then everything gets reassembled. After a few tests and checks, your “new” engine is ready to use!
4. New suspension and brake components
Another problem that comes with age is that your suspension and brake parts become worn. Sure, you will replace your discs and pads when they need replacement. But, other items like rubber hoses and calipers don’t get changed.
You should also consider changing the springs and shock absorbers for new ones. And don’t forget the lower suspension arms too!
5. Headlight refurbishment
Have you noticed that your headlights appear “foggy” or yellow? Those problems occur because of the effects of the sun on the acrylic lenses. At this point, you might be thinking you’d have to buy some brand new headlight units.
But, for a small price, you can restore your headlights at home without replacing them! There are plenty of restoration kits on the market that the novice DIYer can use.
While you’re at it, replace the headlight bulbs for brighter ones.
Some of these changes are minor, some of them are major, but they’ll all help reduce your car insurance costs by a lot. Cars are already expensive to own and operate, so we may as well find ways to reduce the expense.