[irax]

If you have questions about the coverages of your policy you should reach out to your own insurance company. Coverages very from state to state and this is due to each states regulations and needs. Don't assume you have aftermarket parts coverage. And don't assume someone else's insurance will cover your aftermarket parts. Some insurance companies will not pay out for aftermarket parts coverage even if their client was at fault unless you have that coverage on your own policy.

Yes everyone wants cheap insurance, but you always get what you pay for. So keep in mind just because the rates are low doesn't mean that quality of service is high, or done right, or efficiently. But if you don't tell your agent that you need the extra parts covered your claim could be denied because you misrepresented the value of the vehicle which means the premiums were calculated and collected for the wrong level of risk. So, its worth paying what can be as little as $10 a month on top of your policy to protect your $30k total investment.

THIS GOES FOR ENGINES AND TRANSMISSIONS TOO!