Clipping in music is fine (coming form a song that's clipped), it won't harm speakers. The problem is clipping from the amp. Some clipping is ok and will happen.
Rule of thumb is if you are listening and it's loud and starts sounding like crap then it's clipping to much and you might start blowing some components of your system up.
When music starts to sound compressed or hollow
strange noises like static, screaches,pops, basically when the song no longer sounds the same so much
Those are usually clipping.