You might have spent quite a reasonable sum on your car audio equipment. But have you given some thought to protecting your investment? Yes, you may say. After all, you have a comprehensive car insurance policy in place. But does that really protect your investment completely? Not really! You can take other steps to ensure you protect yourself from loss especially if yours are high end aftermarket audio equipment...
A security system is a must if you've spent any reasonable sum on your car audio system. These security systems come in different shapes and shades. You can easily find one that fits into your budget. But wait a minute, if you've spent a few thousand dollars on getting the "bestest" in audio equipment, it certainly won't hurt if you spend a tiny percent to get a solid security system.
As you shop for your security system, ask if the manufacturer provides any form of incentive for using their brand. A number of them will at least cover part of your deductible (That is the amount you must pay from your pocket before the insurance company pays your claims).
Also make sure you don't attract thieves to your audio equipment. There are certain designs that conceal or camouflage what you have inside. And, please, don't put flashy stickers on your car. I am told that they are almost equivalent to telling thieving rats that there's something in your car they'll like to pick.
Remember to lock your car doors. I know it sounds stupid but believe it or not a lot of folks lose their valuable equipment just because they forgot to lock their car doors. Don't be in such a hurry that you forget to double check.
Now back to an insurance policy that will take care of you: A comprehensive cover will do just fine if all you've got is your factory-fitted system. However, if you have customized things a bit or just replaced your factory head unit with a high end custom stereo then you'll do well to take an additional policy (a rider) just to cover that.
Does this mean you'll have to spend some extra after your regular car insurance? It depends! If you learn how to make considerable savings in your car insurance, you can use just a part of it to take a rider. It's easy and something everyone can do. Furthermore, it doesn't involve so much time investment but can result in savings of up to $1000.