You may want to just insure your car for a certain value. For instance if your car is worth $3000, that's what they will pay if it's totalled, or stolen. So if your swap was another $3000. Then I would just ask to have the car insured for $6000. You'll pay a little more each month though. They might cover a few things if you have receipts, but if you have a $4000 car with $20000 in mods they will never pay $24K if it gets totalled.




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