Specialty Automobile Insurance
Specialty Automobile Insurance Quote Forms
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Specialty Automobile Insurance Information
Specialty Auto Insurance in California
Every driver needs auto insurance, but each policy has to be unique to the driver and the vehicle in question. For some drivers, this is an even bigger challenge than for others. At times, unique or special features of your vehicle make it necessary to insure the policy with a specialty auto plan. This will mean taking standard auto insurance benefits and expanding upon them to account for custom parts, special equipment and other vehicle features.
DRD Insurance Agency is the La Habra's region’s trusted source for auto insurance benefits, and we offer customizable specialty auto policies that we can easily and affordably adapt to fit your needs. Call us at (562) 691-0867 or request your free quote online now.
Custom Parts and Equipment Coverage
A basic auto policy’s collision or comprehensive policy provides insurance only for the original equipment included by the manufacturer when they make the vehicle.
If your vehicle has special equipment or permanently installed custom parts that alter its appearance or performance, optional custom parts and equipment coverage may be for you. Special equipment includes the following:
Customized paint or decals
Customized wheels, spoilers, suspensions or performance-related equipment
Stereo or television equipment
Running boards, roll bars or brush bars
You should know that standard insurance settlements reflect what a car would be worth at the time of the loss, not what was paid for it, so the cost for modifications may be difficult to recoup in the event of a total loss. Within the limits that you select in your specialty auto benefits policy, custom parts and equipment coverage reimburses you for the actual cash value, the declared value or the actual cost to repair, whichever is lowest.
Don’t forget, your specialty auto insurance will need all other necessary benefits like liability, uninsured/underinsured motorist, gap and roadside assistance benefits. You can work with your agent to find the right balance of benefits based on your needs.
Committed to Our Customers’ Needs
Call our office today at (562) 691-0867 to learn more about all of our automobile insurance and personal risk management solutions. We are committed to helping you get the perfect specialty auto insurance benefits that will always work for you.