Having a sufficient amount of auto insurance coverage is important if you ever get in an accident that you cause or that another driver causes. When you get an auto insurance policy, you will want to have the basic types of auto insurance coverage, but you may also want to add some extras to your policy too. Here are three types of extras you can add to an auto insurance policy:
Emergency roadside service
If you have emergency roadside service insurance coverage, you will have protection over times when you need help when you are out somewhere. This type of coverage protects you if your car stalls, runs out of gas, encounters a flat tire, or many other things. It also provides coverage if you lock your keys in the car. If anything like this happens to you, you can contact your insurance company, and they will send someone to your location to help you with the problem you are having.
Gap coverage is also an important extra to have, but this is only needed if you have a loan on your car. You can purchase gap coverage for any car you insure, but it is most important for new cars.
With gap coverage, you have protection if you total your car. This includes times when you cause the accident that totals your car, and times when other people cause accidents. Gap coverage pays the difference in the current value of your car and the amount you owe on it when you wreck the car. In other words, it pays for the gap between its value and the amount you owe on it.
For example, if you owe $20,000 on your car when you total it, but the car is only worth $16,000, your gap coverage will pay the $4,000 gap. If you did not have gap coverage, you would have to pay this out of your pocket.
Rental car coverage
The other extra to consider adding to your auto insurance policy is rental car coverage. If you get in a wreck and cannot drive your car while it is being repaired, your insurance policy will provide you with a rental car to use during this time. This can come in handy if you do not have access to another vehicle.
These are three extra types of coverage you might be able to add to your auto insurance policy. To learn about other types of extras or to get a quote for auto insurance coverage, contact an agent today.