This is the kinda paper you'll need to get reimbursed for a cracked windshield, slashed tires or a jacked audio system. Insurance companies sell comprehensive coverage in varying amounts, so always check with your insurance company to see what is their dollar limit for insurance add-on equipment. This type of coverage helps relieve the problems associated with the depreciation of the vehicle. That is, as the vehicle and audio system get older, their value does not diminish - or it diminishes at a slower rate. Be aware that some policies limit the amount of miles you can put on a vehicle with show car insurance.
Booth suggests considering three factors when considering system coverage.
Second, determine how much equipment is installed in or on the vehicle. Third, factor in the age of the equipment. Buying car insurance is glorified gambling in which you weigh the odds on how much you can afford to pay an insurance company versus the costs of something happening to it. The most disciplined enthusiast will look at the difference between enhanced coverage and setting aside a little nugget every month in case the unmentionable happens. If the system is worth more than a couple of hundred dollars, chances are your agent will recommend increasing your coverage.