Custom Parts & Accessories for Lifted Trucks
Custom parts and accessories coverage protects every aftermarket addition on your truck — lift kits, wheels, tires, bumpers, winches, electronics, and more. Standard auto policies cap these at $1,000 or exclude them entirely. We cover them at their actual documented value.
What it covers
- Lift kits and suspension components — springs, shocks, control arms, and associated parts
- Oversized tires and aftermarket wheels at replacement cost
- Aftermarket bumpers, sliders, skid plates, and body armor
- Winches, recovery gear mounted to the vehicle, and tie-down systems
- In-cab electronics — navigation, sound systems, communication equipment
- Light bars, auxiliary lighting, and exterior electrical modifications
Who it's for
- Truck owners with any meaningful aftermarket investment beyond basic appearance mods
- Enthusiasts who've installed lift kits, wheels, and tires worth more than $1,500
- Off-road builders with recovery equipment and trail-specific accessories
- Show truck owners with premium audio, lighting, and custom components
Why CCA
- We document your parts at policy inception — no scrambling to prove their value after a loss
- Coverage at actual replacement cost for listed parts — not depreciated salvage value
- We know what parts cost; our agents won't undervalue what you've added
- Updates are easy — add significant mods mid-term with a quick call
Common questions about custom parts & accessories
Add up the replacement cost of every aftermarket component on your truck. Lift kit, wheels, tires, bumpers, electronics — total those values. That number is your minimum coverage need. Many heavily built trucks have $10,000–$30,000 in aftermarket parts alone.
It depends on your policy structure. In some programs, oversized tires and wheels are covered under your custom parts rider with specific limits. In others, they're included in your physical damage coverage. We'll make sure the setup actually covers them.
Yes. We can write coverage for your current build and update the policy as you add components. We recommend calling us whenever you complete a significant addition so coverage stays current.
Yes. Contractors Choice Agency is licensed in all 50 states and actively writes lifted and modified vehicle programs nationwide.
Contact your carrier's claims department directly using the number on your policy documents, or call us at 844-967-5247. We respond to claim contacts within 2 hours during business hours.
Many of our carrier partners offer monthly payment plans. We'll present payment options with your quote so you can choose what works for your budget.
NPN 8608479 is the National Producer Number for Contractors Choice Agency. You can verify our license at the NIPR website.
Call or email us. Adding modifications mid-term is important — your agreed value should reflect your current build. We update your policy and reissue documentation.
Yes. We have relationships with specialty carriers who understand modified vehicles. We match your build profile to the carrier best suited to write it.
Contractors Choice Agency is located at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationally by phone and email.
Monday through Friday, 8am to 5pm Mountain Standard Time. Quote requests can be submitted online at any time.
Yes. Once your policy is bound, we issue your certificate of insurance or policy documents immediately — same day in most cases.
Additional named insureds can be added to your policy. We'll need their driver's license and driving record information.
Yes. Collector, show-only, and garage queen trucks have specific programs designed for limited-use high-value vehicles. Tell us about your usage pattern when you request a quote.
Comprehensive-only policies can cover stored vehicles against non-collision perils (fire, theft, weather) at lower cost during build periods. We'll write coverage that matches your actual situation.
Like all auto insurance, your MVR affects your premium. A clean record gets better rates; prior violations or accidents increase premiums. We shop multiple carriers to find the best rate for your specific record.
Possibly, depending on your insurer. Specialty auto programs sometimes exist separately from homeowners markets. We'll check for bundling options that actually save you money rather than forcing you into a standard auto program.
Pair it with related coverage
Get a Lifted Truck Insurance Quote
Agreed value, custom parts, and off-road coverage — quoted fast from specialty carriers.