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How do you get auto insurance for aftermarket parts?
How do I get aftermarket part insurance added to my regular policy? I added a spoiler and roof modifications to my vehicle.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you’re investing time and money into your vehicle, you’ll want to protect those modifications and customizations! Adding extra coverage to your
car insurance
policy is a great way to do that. Most car insurance companies offer custom parts and equipment coverage. This optional coverage usually provides up to $5,000 of coverage for aftermarket parts. Since it’s additional coverage, you can easily add it to your current policy.
If you have it,
comprehensive coverage
sometimes will cover minor modifications in the event of an accident (minus your deductible). Typically comprehensive coverage can cover up to $1,000 worth of aftermarket parts. If you don’t have comprehensive coverage or if your modifications’ value exceeds that amount, you’ll want to reach out to your insurance provider. They can give you a better idea of what coverage is available based on the modifications you’ve made.
If you’re unhappy with the coverage available or your new rate, shop around. Insurance companies all offer different coverages and rates, so you may find something more suitable elsewhere.
Should you want help, use
Jerry
. Jerry collects competitive quotes and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
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