If you haven't already taken the torch to your car, you can talk to your insurance agent about how your planned additions will affect your insurance rates and coverage. Make sure you discuss how your rates will change. If your insurance will still cover the car, you will need to do the following:

• Have proof of the worth of your after-market modifications.
• Make sure to get everything in writing. Don't rely solely on what your agent tells you over the phone; make sure that you get the policy and all of its details in writing.
• Be totally honest with your agent. There is no point in hiding alterations you are making to the car because you are afraid that it won't be insurable. If something hap

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