exactly what i was thinking, big rip off indeed. if i take your approach and tell my insurance company i have the wheel and suspension mod done to my car but i dont include it in my policy would the price i pay per year still go up? even though its not covered? All you guys have said its a big rip off and most of you are in the early 20s but because im 18, does it still justify the fact i will be paying 2 grand extra from you guys? either way i still think its a big rip off. what about when you guys were 18? did you have to pay similar prices for insurnace once you added suspension and wheels? thanks for all the replies guys, i will contact my insurance company in the next couple of days after i been monitoring what you guys have been advising me, its been very useful. I will then let you all what my insurance company has told me Private 18-21 is a range, 21-25 is a range, above 25 is another range. Thats what the insurance company decide their premium based on their statistic of claim/accident. If it is me, i will ask them if i am putting extra things in the car first, dont mention that you have already put them in. Tell them the suspention in your car is bit old and making noise, you are looking to change them soon when you have enough fund. Will that make any difference with the premium. Remember ask gently. If you are happy with their answer, then ask about the wheels. If not, I would hid it. Depends on you. The insurance people receive complains all the time so if you are nice to them, they might happy to give you more space. hope that helps.