Next time you go for a drive, look around. Roof racks are popular with drivers and for good reason. From skis and snowboards, camping equipment and bikes, to kayaks and paddleboards, roof racks make it easier to get around when you’ve got items that don’t easily fit into your vehicle. And really, who couldn’t use a little bit more room inside their car or trunk? Roof racks free up space that didn’t previously exist.

A roof rack installation may seem harmless enough – and generally it is. But you might not know that it might also count as a car modification, which could affect your auto insurance. A car modification is anything you might add to (or remove from) your vehicle that’s different from its original factory ‘off the line’ condition. Car modifications can be functional in nature, cosmetic, or performance enhancing.

The good news is, not all modifications affect your car insurance. With this in mind, we’ll go over what installing one might mean for your coverage, plus tips on how to install a roof rack on your car.

What are the different types of roof racks?

Even though roof racks come in a variety of shapes and sizes, there are three basic types available. The one you choose will largely depend on the reason you’re getting it. You can get:

1. A cargo box system. This is a rooftop carrier that allows you to transport bulky items in a protective case that shields your stuff from the weather. You can store almost anything in it so long as it fits and doesn’t go over the carrier’s weight capacity.
2. A roof bracket structure. This set-up allows you to securely clip in specific items. These racks are purposely built for your bicycle, fishing equipment, canoe, kayak, paddleboard, skis, or snowboard.
3. A platform frame. This design provides you with flexibility because it’s multi-use and doesn’t box you in. Anything you transport needs to be secured properly to the platform with tiedowns or clips and will be at the mercy of Mother Nature.

Before you settle on a particular type of roof rack, refer to your vehicle’s owner’s manual. The owner’s manual may include information specific to roof racks that might affect your purchase decision.

Car roof rack installation tips

Because it may seem daunting, many people opt to have their roof rack professionally installed. For this, look to the value-added services of the company where you bought your roof rack system. Your mechanic might be able to do it as well. If you’re a DIYer you might be eager to give it a go yourself. Here are a few tips to consider before you get started:

• Don’t let your roof rack installation go off the rails (pun intended) before you even begin. Read the instructions – front to back – beforehand, not as you go.
• Make sure you have all the components you need. Go through what’s in the box and inventory what came with it to ensure nothing is missing.
• Gather (or buy) all of the tools you expect to use so they’re at your fingertips.
• Give yourself enough time. An easy install is more likely when you’re not rushed. Set aside a little extra time too, just in case.

How to install a roof rack

The steps to install a roof rack will vary. It depends on the type of roof rack you purchased as well as your vehicle. Here’s a basic rundown on how to install a roof rack with some extra tips to help along the way:

• Set up your workspace

  Whether it’s in your driveway, parking spot, or garage, set up your space so you’ve got plenty of room to work and have all your tools nearby.

• Prep your vehicle

  Clear your roof of any debris, wipe it down, and let it dry so you’ve got a clean surface to work with.

• Follow the roof rack’s assembly instructions

  To ensure a safe and proper fit, follow the manufacturer’s instructions to a T and keep the manual handy for when you’re stumped.

• Mount the roof rack base

  Where possible, pre-assemble the roof rack components and remember to measure twice when fitting the racks on your vehicle.

• Ensure the roof rack base is secure

  Before mounting your cargo box or equipment-specific racks, make sure the base is secure and locked in place.
  
  

Will installing a roof rack affect my car insurance?

The short answer is: it depends. Installing a roof rack could be considered a car modification. Car modifications will affect your insurance if they’re thought to alter your vehicle's safety performance, or increases the likelihood of a collision or your vehicle’s value. Fortunately, roof racks usually fall into the mainstream category, much like after-market alarms and stereo systems.

Whether it’s a mainstream modification or not, a roof rack installation shouldn’t come as a surprise to your insurance provider. Let your insurer know about any enhancements to your vehicle.

Looping in your insurer about a car modification is important for a couple of reasons:

1. If your insurer is unaware of improvements you've made, how can they cover the items should you ever need to submit a car insurance claim?
2. High-priced modifications (and roof racks can get costly) may increase the value of your car or make it more attractive to thieves.

 No matter what type of change you’ve made to your car – even if it seems minor – be sure let your insurer know. Not sharing any changes to your vehicle could be reason to cancel your insurance or deny any future insurance claims. Worst-case scenario, telling your insurer will let you know if they don’t offer the right coverage, so you can find one who does.

Roof racks are a great way to save some interior space but don’t let getting one cause you a headache later on.

How can I save money on my auto insurance when I have a roof rack?

Every insurer is different. Some companies could view your roof rack as a modification, while others may not. If your car insurance rate increases after you’ve installed a roof rack, there are a few things you can do to save on your car insurance:

• Try behaviour-based car insurance (like Sonnet Shift). Drivers who maintain a clean driving record often pay less while keeping the same coverages.
• Look for discounts! From alumni or retiree discounts to discounts for bundling your auto and home insurance policies, there are lots of discounts out there. Ask your insurer which ones they offer.
• Review your policy options. What you opted for when you first got your policy, may no longer be relevant. Is your deductible still suitable? Do you still need comprehensive coverage? Call your insurer to make sure it still all makes sense.
• Compare car insurance quotes. At the end of the day, if you’ve seen price hike you’re not happy with you can always shop around with different car insurance companies. Remember, if you do switch you stand to lose any loyalty discounts, or even your accident forgiveness (if you’re using it).

Premium is a big factor when it comes to your car insurance, but you never want to skimp on your coverage. Make sure you have the coverage you need at the best price possible.