Does my car insurance policy cover my aftermarket rims?

UPDATED: Apr 15, 2015

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UPDATED: Apr 15, 2015Fact Checked

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Asked April 15, 2015

1 Answer


A standard car insurance policy is meant to cover the car for its currently appraised value, but such coverage does not generally include after-market equipment. If you bought the car with a set of factory rims, they would be included in the coverage, but if you modified the car by adding your own rims, you would need to purchase additional coverage for them.

To insure your custom rims, you have the option of increasing the coverage on your current policy or purchasing additional coverage solely for the rims. Shopping for a new policy that includes your rims as part of the full vehicle value is another option, and may offer you additional benefits and savings as well.

The first way that you can save money on a new policy is to shop through an independent agent or brokerage. An online brokerage like this website can offer you a free online car insurance quote, and compare that quote with other companies so that you will know you are getting the best price for your personal needs. By comparison, buying a policy from a dedicated agent or company means that you only have their policies and their prices to choose from, which could drastically limit your options and increase your costs.

Whenever you apply for a new policy, check to make sure that you are getting all of the discounts that you qualify for. For example, you may be eligible for a discount based on your level of college education, for your occupation, or even for things like being married or living in a low crime neighborhood. Because your eligibility for discounts can change based on many different life events, it is a good idea to review what you are paying anytime something important happens in your life.

Answered April 17, 2015 by Anonymous

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