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Will insurance cover aftermarket parts?
What type of insurance covers aftermarket parts? I have a policy through Progressive and want my new sound system covered in case of theft.
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Certain types of
auto insurance
can help cover aftermarket modifications. If you have comprehensive coverage
on your policy, you may have some aftermarket part coverage, but it likely won’t cover the cost of your sound system. To protect your new sound system, you’ll want to add
sound system insurance
. Sound system coverage specifically protects high-value sound system equipment. Since you’re currently with
Progressive
, you’ll want to add custom parts and equipment coverage to your policy. Custom parts and equipment coverage typically has a $5,000 limit and covers stereos or any other custom equipment you install. If you don’t currently have
comprehensive coverage
, consider adding it. Having a custom stereo or modifications could make your vehicle more susceptible to theft. Comprehensive insurance would ensure your vehicle is protected should it be stolen. Adding new coverage to your insurance is a great time to explore other companies and options, so consider shopping around.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
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