Purchasing Car Insurance? You May Want To Add These Coverages
When you purchase auto insurance, you need basic liability before you can drive your car. There are also other optional coverages you can add to your policy. You may not need all of these coverages, but some of them may save you a lot of money. Below are five different types of coverages to help you determine if they are right for you.
Reimbursement for Rental Car Costs
If your car was hit by another car, vandalized, or stolen, this coverage will pay for you to rent a car until you can get your car repaired or replaced. There may be limits on how many cars you can rent per year. You may want to consider adding this coverage if you depend on your car for things like your family duties or your job. Exactly how this works will depend on your insurance company.
Uninsured Motorist Coverage
This coverage will pay you if you are in an accident with a drive who either doesn't have auto insurance or who doesn't have enough insurance. This is good to have if you are on the road a lot, or if you do not have it in your budget to pay these costs yourself.
Roadside Towing and Service
When your car breaks down on the side of the road it can be very stressful. To add even more stress, you have to worry about paying for a tow truck to pick you up. If you have the roadside towing and service coverage, a tow truck driver will pick you up and take you to either your home or a nearby auto shop. You also have roadside assistance. For example, you will get help if your car has a flat tire or your battery needs to be jumped. You should consider this coverage if you drive an older car, or if you spend a lot of time driving.
Sound System Coverage
If you have an expensive high quality sound system installed in your vehicle, you should consider adding the sound system coverage to your insurance policy. This coverage will protect your sound system if it is damaged or stolen.
Auto Glass Coverage
Auto glass coverage will cover the cost of replacing a broken window, such as your windshield. It generally covers fixing rock dings and cracks. Depending on your insurance coverage, they will either pay the mechanic that fixes your car or they will pay you directly. You should choose this coverage if you live in an area where hail storms are common or if you often drive on gravel roads.
To learn much more about additional insurance coverage, speak with your insurance agent.
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