What was mentioned is the bottom line. Your insurance will go up for sure. Luckily, my insurance company is very understanding. The best one I've ever had to deal with. When my car got broken into, they replaced everything that was stolen after paying my deductable of $500 (which is high, but that was my decission). They paid for my car stereo, 2 amplifiers, MTX subwoofer (two 12's) CD's, windows, dash, 2 autometer gauges, and yes.....even my funky Honda shoulder pads
. I had receipts on the car stereo, 1 amp, Honda shoulder pads, and a few CD's. They asked if I had pictures of the rest which I was able to produce. I purchased one of the amp and the MTX subwoofers from a friend so I had him write a statement of how much I paid for it. He signed it (it wasnt notarized or anything like that). I sent it out to my insurance company and they replaced it. They even upgraded my stereo and amps
. Sh1t caught up with me later tho. My car got broken into again a month after. The deductible was less than $500 since they only broke the other window and stole my new gauges
. All these.... my insurance is still the same....no increase!