Capitol City Insurance Blog

Buying a new car can be very exciting. There are lots of decisions you need to make about the type of car, what model to buy and whether you can afford any add-ons the dealership may be offering. Before you commit to those add-ons, you should check with your Austin Texas car insurance agent to see if they will be covered under a standard policy.

A basic model car, even a new one, should be covered when you buy a comprehensive auto policy. However, once you start adding customized features, you might have a problem should you need to replace them and claim on your insurance to do so. Items you should check on with your agent might include:

•Special alloy wheels
•High tech stereo systems and speakers
•Sun roofs
•Sports kits
•Racing seats
•Customized seat covers

“Pimping your ride” might make your car the coolest on the block. However you need to make sure that all those fancy extras that make your car special are covered by your Austin Texas car insurance. Paying for them initially when you buy the car will bump up the purchase price. Paying for them again out of your own pocket if you find they aren’t covered and you need to replace them after a loss, isn’t going to be so cool.


*