@josh817....I was in the Unmodified category and only had to pay 170 bucks year through Hagerty ....then I basically did a full suspension , brake and interior overhaul .
Naturally I wanted to UP my coverage after dumping that much money into it .
Hagerty wanted pictures of all the mods I did .
I put an auto power roll bar in my car and when Hagerty saw that they said I have to go into the modified category now .
Anywho ....rates jumped dramatically and I went from $170 to now $550 a year .
They have a list of what will take your car from unmodified to modified .
Off the top of my head ....roll bars , bigger tires ...and a few more things ...,