Agreed Value And Modified Car Policies

Coverage For What Your Car Is Worth

Coming to an agreement with your insurance company on the value of your modified car can be difficult. The book (cash value) may not factor in the investment you've made, and continue to make. An Agreed Value or Modified Car Policy will allow you come to a valuation that is agreed to up front. It can account for all of the money you've put in. It can also help save you from a headache regardless of which parties insurance is responsible, or when they have no insurance at all.

  • Agreed Value and Modified Car Policies

    Modified cars insurance needs are different than other types of vehicles. We have access to policies designed specifically for your situation.

  • Not Just For Collectors

    An Agreed Value Policy might be right for even if your car is not a traditional collector or high value vehicle.

  • Fast & easy quotes

    We specialize in policies for car enthusiasts, so we have a list of insurance companies that can potentially help you with agreed value policies.

  • Protect Your Investment

    You've invested a significant amount of money into your vehicle. Protect it with the right policy.

Why Modified Car Insurance Thru Shift Brokers

Cover What's Important To You

  • Accounts For Modifications (i.e. engine swaps)

  • A True Replacement Value

  • Accounts For Money Invested, Even If It Doesn't Increase The Book Value Of the Car

  • Set The Value And Agree Up Front

  • Often No Appraisal Is Needed

  • Coverage No Matter Who Is At Fault

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About Modified Car Insurance


Agreed Value and Modified Car Policies aren’t just for project cars or classic collectors.  If you’ve invested a significant amount of money into your vehicle through modifications, both visual and performance, an Agreed Value or Modified Car Policy might be an good option for you.  



Shift Brokers works with multiple car enthusiast focused and friendly companies who offer Modified Car and Agreed Value policies.  We can also help you review your existing policy to determine if you might be better served with a different company or policy type. Contact us today.  Unlike other insurance brokers, we know cars because we’re car enthusiasts ourselves.  Plus, as a broker – we represent you and work with many different companies. 

About Shift Brokers

Shift Brokers specializes in helping car enthusiasts find the right insurance – for the the street, while on track, for show and everything between. Plus, we’re car and track people ourselves. We’ve combined our passion and our expertise so that you can get insurance from people who really understand the emotional and financial value of the car you’re trying to protect.

We can help you proactively get the right coverage and valuation for your enthusiast vehicle. We work nearly a dozen enthusiast focused insurance carriers, including Hagerty, OpenTrack, American Modern and more. We can also help with valuation and policy changes even if you are not up for renewal.

Shift Brokers is based in Atlanta, GA.  We are an independent insurance brokerage focused on the unique needs of car enthusiasts.  Policies described are offered and underwritten by insurance providers we work with.  Coverage is not guaranteed and not all drivers or cars will qualify.  Quotes are estimates and subject to change.