Comprehensive coverage typically covers your car if it is stolen but not personal items stolen out of the car. Some policies may cover items that were attached to the vehicle, such as the manufacturer's original radio but you would need to speak to your agent and claims adjuster to see if the items stolen out of your vehicle would covered or not under the terms of your policy.

Should your vehicle have additional equipment, accessories, enhancements, and changes that alter the appearance or performance of the vehicle, it’s advisable that you buy additional coverage to protect these items. Many companies require you to have special equipment or customized equipment coverage to cover extras in a car. Which type of coverage you would get would depend on what your insurance carrier has to offer.

Special Equipment is covered if the equipment is declared on the application and the appropriate premium paid. Items may include equipment for disabled persons, television, vcr, stereo, etc. Not all companies will provide this coverage, and some will limit the amount of coverage available.

Customized equipment coverage is appropriate if your vehicle has permanently installed custom parts or equipment other than those installed by the original manufacturer. Esurance offers this type of coverage. Examples of customized equipment include:

• Any dealer-installed equipment that is not offered by the original manufacturer
• Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
• Customized wheels, spoilers, suspensions or performance-related equipment
• Stereo, sound recording, and television equipment
• Customized paint or decals

So check with your auto insurance agent and read through the terms of your policy to find out if you are covered for the amps, subwoofer, cd/mp3 deck are covered or not. Likely they are not but you should make certain with your agent to see if a claim is possible.