And because you've had the nerve to spend your hard-earned money on making your modified car the envy of your manor - or at least made a start on it - you've probably heard them suppressing their sniggers as they tell you that they won't cover your modifications, and will only give you the 'market value' of the standard car if some muppet writes off your pride and joy. What a rip off!
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. If you're leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.