Are my Car Electronics and Other Add-Ons Covered by Auto Insurance?

After-market modifications, equipment, and accessories aren't automatically protected by a standard auto insurance policy. We offer options that can shield your investments.

In manufacturing terms, when your car was made, any part or accessory that was installed at the factory is considered a "stock" item. In insurance terms, anything that's stock on your car is automatically covered by your policy.

However, if you've added GPS navigation, a new stereo, a mobile video system, or other items to your car, you'll need to purchase special coverage for those extras.

Allstate's Sound System Coverage is specifically designed to protect certain audio additions, while Tape/CD Coverage can help replace certain music media that's damaged or stolen from your car. (Be sure to ask your Allstate agent, or read your policy carefully for details on how and when this coverage applies.)

If you're a car collector, or someone who drives restored classic cars, you might want to get your car rated as a special vehicle. Ask about Allstate's Modified Rating Program, which is one of the ways you can protect a rare, restored, or antique vehicle.

Whether you're already driving a remodeled car, or you're planning some special renovations, an Allstate agent or licensed insurance representative can help match you with the coverage that will protect your investment in style.