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Auto Insurance Add-Ons: Are They Worth It?

Auto Insurance Add-Ons: Are They Worth It?

Fit your auto insurance coverage (add-ons and all) to your budget and needs!

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage which protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available.

When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without added bells and whistles. However, drivers should be an advocate of getting the right level of cover at the right price, rather than opting for the cheapest, most minimal policies.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a great driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate even if you file a small claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transport and taxi cabs. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal liability umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of coverage.

Towing & roadside assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, battery “jump starting”, delivery of fuel, and other repairs that can be fixed on the side of the road (literally)!

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of the cost of the rental car so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Contact Insurance Agency of Dean Davis for your Austin, Texas insurance needs!

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