Sound system insurance is a type of auto insurance policy endorsement that protects modified sound systems.
Equipment insurance for your aftermarket stereo systems comes in many shapes and sizes. Some car insurance companies may specifically offer sound system insurance, while other insurance providers may include this type of insurance coverage in broader customized equipment coverage.
Unfortunately, sound system theft is a relatively common occurrence. By adding this type of coverage to your insurance plan, you’ll be able to
of your car when calculating your premium because this is the most they would cover in the event of a total payout. They will not automatically assume responsibility for any aftermarket modifications you make to your vehicle—including upgraded sound systems—which is why you’ll need additional coverage.
Sound system insurance endorsements typically offer up to $3,000 to $5,000 in coverage. Talk to your insurance provider to make sure they offer this type of coverage and consider these cost limits before you make any modifications to your car stereo. Your company may deny coverage for a system that is more expensive than their endorsement limit would cover.
That said: Sound system coverage almost always comes with a
if they are at fault in an accident that causes damage to your sound system.
The bottom line: If your sound system is factory-installed, it’s likely covered from damage or theft by collision or comprehensive coverage. But if you’ve made aftermarket modifications, you shouldn’t assume your coverage extends to these upgrades before confirming this with your provider.
How much does sound system insurance cost?
The cost of sound system coverage varies from provider to provider and will greatly depend on the value of your sound equipment. Generally, you can expect this endorsement to add anywhere from $100 to $300 to your insurance premium.
Talk to an insurance agent about the details of coverage before you commit to any modifications. However, your agent will likely request receipts for the custom parts and installation costs to assess your exact cost (and keep them on file for potential claims).
Will installing an aftermarket sound system affect my existing insurance?
The extra coverage isn’t the only cost you’ll need to consider. Adding aftermarket sound equipment to your car could cause your car insurance rates to increase—especially for your comprehensive coverage.
A shiny new stereo will raise the value of your car and elevate its risk for
. For example, if your deductible is $700 and replacing your stereo is only $500, it would be more expensive to file a claim than to pay for the repair out of pocket.
Always get an estimate for the repair or replacement of your sound system before submitting a claim to your insurance company.
Other damages that may be covered if your sound system is stolen
You might be able to claim other damages to your vehicle under your sound system coverage if they occurred as a result of attempted sound system theft.
For example, a thief may cause damage to your car’s locks and wiring while snagging your brand-new subwoofers. The cost to replace these speakers may not exceed your deductible, but once you tack on the additional cost of your related car repairs, it may be worth making a claim after all!
Not all providers will cover auxiliary damages that result from sound system theft, so check the details of your policy before claiming the damages in question.
How to buy sound system coverage
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