Quick question (you semi-answered this in your OP)
So I'm thinking of changing agencies, however the agency i want to switch mentioned, when i called to get a quote, that i have to inform them of ANY modifications to the car. he basically said anything that enhances the car has to be reported, and in some cases they won't insure me/will not cover my claim. He asked if i planned on doing anything like an intake, lowering the car, etc. I already have the intake and i plan on lowering the car lol...he said that exhaust and wheels are okay cause they are "mostly aesthetic".
Are they really serious? I don't want to lie and say i have no mods and then need to claim and they turn me down