Originally Posted by Tommyv8

There is no best company for every car and driver with respect to premium or underwriting guidelines. I sell insurance for a major carrier and am insured with my employer for convenience and the employee discount. A few very general points to keep in mind:
Do not mention to your agent or claims adjuster that the car has been modified for speed or that you ever race it. In their minds (if not in reality) this represents increased risk, even though losses resulting from a racing situation are not covered anyway.
In a claim, your carrier will not compensate you for losses to your American Racing stainless headers, AFR cylinder heads, Yank converter, etc. You may be able to add custom equipment coverage of a stated amount to cover aftermarket wheels and stereo equipment but that's about it.
You may be able to get a stated value policy (as opposed to fair market value in your particular area at the time of the loss), but that kind of thing is usually designed to cover older, somewhat valuable classics. The vast majority of cars on this site really don't meet that description. My dad has his Grand National on a stated value policy with Hagerty.

Originally Posted by Tommyv8

In a claim, your carrier will not compensate you for losses to your American Racing stainless headers, AFR cylinder heads, Yank converter, etc. You may be able to add custom equipment coverage of a stated amount to cover aftermarket wheels and stereo equipment but that's about it.

Originally Posted by 2002_z28_m6

Grundy covers atleast some performance parts. I know of a member of here that had his car roll off his car trailer and then off a wall in his yard. They paid for his mufflex exhaust , procharger charge tubes and a bunch of his other aftermarket parts. He showed the adjuster what he had and the prices and they replaced what he had.
That gave me reason to want Grundy.
Here is alink to his thread
https://ls1tech.com/forums/eastern-m...l#post11441659