Built for Truck Enthusiasts by People Who Get Modified Vehicles.
Contractors Choice Agency has specialized in non-standard and modified vehicle insurance since 2005. We know why stock book value doesn't apply to your build — and we write programs that actually cover what you have.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Modified vehicle specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Two Decades Protecting Modified Builds
Lifted Truck Insurance launched because standard auto carriers were consistently failing lifted truck owners — denying claims for off-road incidents, paying out stock book value on heavily modified trucks, and capping aftermarket parts at token amounts. We built a specialty practice dedicated to the lifted truck community: agreed value documentation, comprehensive custom parts riders, and off-road coverage that goes where you go.
CCA Founded
Contractors Choice Agency opens in Chandler, AZ, focused on specialty commercial and personal lines programs.
Modified Vehicle Division
Dedicated specialty auto practice launched to serve lifted, modified, and collector vehicle owners.
Off-Road Rider Program
Developed comprehensive off-road use rider program covering trail riding, crawling, and OHV use.
Show Truck Coverage
Specialty show truck program launched covering transit, venue damage, and exhibition theft.
800+ Modified Vehicles
Milestone reached: over 800 active lifted and modified vehicle policies nationwide.
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Modified trucks insured nationwide
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Years insuring specialty vehicles
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Average quote turnaround
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States licensed & writing
How We Work
Build Documentation
We photograph, list, and value every modification before binding — so there's no dispute at claim time.
Agreed Value Commitment
We lock in the insured amount upfront. A total loss pays that amount, period — no depreciation games.
Specialty Carrier Access
We work with carriers who understand modified vehicles — not standard auto companies who treat lifts as liabilities.
Enthusiast-First Service
We own trucks. We understand builds. You talk to someone who knows the difference between a leveling kit and a full suspension lift.
Get a Lifted Truck Insurance Quote
Agreed value, custom parts, and off-road coverage — quoted fast from specialty carriers.