We don't believe in a one-size-fits-all policy, that's why all our policies are designed to suit each customer's individual needs. We can offer flexible and competitive quotes for most circumstances, sourcing the best available scheme from among the many offered by our panel of over 40 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last – we will do our very best to beat the cheapest modified car insurance quote you get.*
State Farm offers great discount programs, including the Drive Safe & Save, which can knock 50% off your premium based on your driving behavior as measured by your OnStar, SYNC system or mobile device. The company also has excellent rental car and travel expense reimbursement coverage. However, State Farm gets dinged a bit on overall claims satisfaction, where it lags behind other insurance giants. (See also: Not-At-Fault Accidents Costing Drivers.)
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What's more, most car modifiers take extremely good care of their cars, which is a big plus with your insurer. Low mileages, top-of-the-line garaging, and more-than-regular maintenance come standard for these hobbyists. Because they've spent thousands to create the car of their dreams, they're not likely to risk losing that investment to reckless driving.


To get the most value out of your car insurance, make sure you’re only paying for the time you need to drive. It’s unlikely you’ll be driving for more than a few hours in a day. If this is true for you, it might be worth buying an hourly car insurance policy. If you’re only going to be driving a car for a couple of hours, it could help you save money. 
The thing to keep in mind above all else is getting your 24 hour policy can be as easy as typing in your zip code. When you want FREE quotes from companies competing for your business, this is the fastest and easiest way to make it happen. You can be on your way in no time to buy one day car insurance and be protected against legal and financial issues.
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
Modifications: Repainted Nissan Bayside Blue, 2JZ-GTE Engine swap, 6 speed V161 manual gearbox conversion, Single turbo conversion, Borg Warner SXE 66mm turbo, Garage Whifbitz twin scroll manifold, ASNU 850cc injectors, Walbro 450lph fuel pump, Twin Turbosmart wastegates with twin screamer pipes, Turbosmart Raceport BOV, Syvecs S6 ecu, Garage Whifbitz 4” front mount intercooler, Garage Whifbitz 264 cams, Garage Whifbitz ally radiator, Line lock kit, Tein Coilovers, Full interior retrim with Recaro SR seats, and the list goes on…

(iii) The 'Driving Other Cars' extension offers limited cover. Some people have a 'Driving Other Cars' extension on their own insurance policy. This covers the policyholder only; and not any additional named drivers. Should you be involved in an accident, the 'Driving Other Cars' extension would not cover you for any damage to your friend's car – only the 'third party' involved. In contrast, if a short term insurance policy was taken out, this cover is comprehensive, meaning the vehicle would be covered, even in the event of a fault accident.

Let's use the aftermath of Superstorm Sandy as an example to illustrate the differences between collision and comprehensive. Within that storm, let's consider two events that might have happened: 1) a heavy tree branch fell on your car, or 2) you swerved to avoid a falling tree branch and wound up crashing into a tree. In the first event, you had no control over when or why a tree branch would fall on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the tree, which makes it a collision, and collision insurance therefore pays for the damages. Events like the hypothetical ones stated above are why it's important to differentiate between the two types of coverage.
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