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My car is completely covered, with parts included. Of course you need to keep your receipts and you will deal with depreciation on the cost of parts as well. You pretty much need to ask your insurance provider how they deal with modifications. I have State farm and it's pretty much implied by their policy. Their rates don't really have any basis on the value of the car, it's completely based on the frequency of claims for a particular car. I'm selling my FR-S for a 2015 Corvette stingray and due to the fact that it's mostly geezers driving around in them my insurance actually is staying the same...even with the $50k price difference.
I know some insurance companies have a maximum insurable limit for modifications, while others require you to claim them against the car and readjust their rates to cover those. If i were looking for insurance and planned on modding a car I would look at State Farm, the only problem with Stae farm is they are really picky about who they insure, but if you have a clean driving record they'll pick you up in a heartbeat.
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