Vehicle Customizations Deserve Adequate Extra Auto Insurance

USA Today recently reported that luxury purchases are now back to 2007 percentages and people are starting to buy cars and customizations that they were not during the worst part of the recession. The Specialty Equipment Market Association (SEMA) just released a study showing that aftermarket accessories prompted 1.18 million new car sales annually.

Most drivers modified their tires, wheels, audio systems, and air and fuel delivery systems. After that, upgrades to upholstery, lighting and body, paint, exhaust systems, DVD systems, and roof racks were the most popular. And there is still healthy demand for engine, grille, and ground effect and spoiler purchases.

All these purchases lead to considerations that drivers must take into account when they are purchasing new auto insurance or updating an old policy. Imagine that a custom paint job, special tires and wheels, and a new sound system cost $6,000. The comprehensive or collision coverage part of the auto insurance policy will typically only cover $1,000. If the driver was in an accident or the vehicle was broken into, the driver would be responsible for the difference. That is, unless they purchased additional custom parts and equipment (CPE) coverage.

In Florida, CPE coverage gives drivers peace of mind that their equipment, accessories, devices, enhancements, and upgrades are protected should something bad occur. An experienced Florida auto insurance company is well versed in the adequate amount of insurance a driver will want to protect their investment.

It is recommended to take photos of the custom parts and equipment, and save all purchase receipts and manuals. The more a driver has for their records and the Florida car insurance agent, the better. Most Florida car insurance quotes will allow drivers to choose a flat amount of coverage for the vehicle customizations or to itemize each upgrade for slightly higher costs.

Drivers deserve to have a car insurance company that gives them the best value and the most complete suite of services, including options to cover their vehicle customizations. It is easy to customize auto policies just as it was fun to personalize a vehicle.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.