Most modern cars now come with Alloy wheels as standard but other times you must pay extra when the car is new to have them fitted at the factory. Often alloys are the more sporty options, so if you opt for a model of vehicle that is sporty or the higher end version you will most likely have alloy wheels on it.
There are advantages and disadvantages of having alloy wheels over steel wheels and often people go for them purely for the look and style that they add to the car.
If you damage a steel wheel, you may find that if you were considering putting alloy son then this would be a good time to replace your steels with a full set of alloys. Alloys wheels can be picked up for as little as £50 -£100 for a set of four if you are willing to hunt round scrap yards for a day or two.
Make sure that you either swap any good tyres you have on your steels on to the new alloys or that they tyres that are on the alloys are not only well within the legal tread limit but also not damaged or perished.
Some insurance companies class wheel changes such as fitting alloys as a modification to the car and therefore you should always inform, he insurance company so that they can update the system. Not notifying them could lead to your insurance becoming void.