3 Extra Types Of Auto Insurance You Should Consider Keeping On Your Policy
If you just made the last payment on your car, you will no longer be required to have full-coverage insurance on the vehicle. If you want to save money, you may decide to change your policy by getting rid of some of the coverage. While this would help you save money, you might still want to keep these three extra types of coverage on your policy for protection.
Emergency Roadside Services
Adding emergency roadside service coverage to your auto insurance policy will not cost a lot, but it will provide a lot of services if you experience an emergency problem with your car. You might be able to get this coverage for around $52 per year; however, the amount will vary depending on which insurance company you use. The good thing about having this coverage is that it will pay for all or some of the costs you would incur if you experienced some or all of the following car problems:
- Lockout services – If you lock your keys in your car, someone will come and open your car for you.
- Flat tire – If a tire goes flat, you can also call for help.
- Gas – If you run out of gas, someone will come to your car with a can of gasoline.
- Car repairs – When any type of problem occurs with your car that leaves you stalled, you can call for help.
With emergency roadside services, you are one phone call away from help, and you will not have to pay the full price for the services because your insurance will kick in and pay some of it.
Rental Car Coverage
A second type of coverage that is affordable and nice to have is rental car coverage. This type of coverage offers you a rental car if your car is getting repaired due to an accident of some kind. It will normally pay a certain rate per day for the rental car, and you will then have to pay the remaining amount. This can come in very handy if you do not have access to another vehicle, because it will help you save a lot of money if you need to rent a car.
Comprehensive insurance is not typically a requirement to have, but it can also come in handy for times when damages occur from certain types of events. Comprehensive does not cover damages that result from collisions, but it does cover damages that result from the following types of events:
Collisions with animals – Hitting a deer can be extremely devastating to a vehicle, and comprehensive insurance covers this type of damage.
Floods – Any type of natural disaster that causes damage to your car will be covered under comprehensive insurance. This not only includes floods, but it also includes hail and ice damage.
Falling objects – If a tree branch, or anything else, falls on your vehicle, it is your comprehensive insurance that provides coverage for the damage that was done.
Theft – If a person breaks into your car and steals things or damages any part of your car, you can file a claim with your comprehensive insurance.
You should realize that comprehensive insurance has a deductible, and you can sometimes choose the amount. Whatever your deductible is will be the amount you must pay before the insurance company will cover the remaining expenses related to the damages.
There are many types of insurance coverages you can choose with an auto insurance policy, and you can customize your policy to meet your needs. To learn more about other types of coverage and costs for the coverage, contact an insurance company that offers auto insurance policies.