Finding cheap car insurance can be a difficult task, but after you spot that perfect policy, you might be wondering if it is worth it to add on additional forms of coverage. Although you may not need much other than comprehensive auto insurance, adding a few varieties of supplemental coverage could come in handy, especially if you find yourself in an accident. Here are three car insurance add-ons you should consider:
1. Roadside Assistance
Few things are more nerve-wracking than finding yourself stranded on the side of the road with car problems -- especially if you are new to the problem. However, many car insurance policies offer the option of roadside assistance, a feature that gives you the chance to get emergency help when you need it most without incurring additional fees.
For instance, many roadside assistance plans cover a certain number of tows per year, while others offer low deductibles for certain instances. Talk with your insurance provider about what is included in their roadside assistance package, and how much those services would cost if you purchased them out of pocket.
2. Rental Car Protection
If you do find yourself in a car accident, you will need a vehicle to drive while you deal with getting your existing car repaired. To make it easier to accomplish this, many auto insurance providers offer rental car protection, which covers a rental car for a certain number of days after you are involved in an accident.
If you are interested in rental car protection, make sure you have enough coverage to rent the type of car you need to use day to day. For instance, if you have a large family and drive a van, make sure your coverage would accommodate a larger vehicle or an SUV. Additionally, talk with your insurance provider about whether or not that car would be covered in the event of an accident, in case you find yourself in a fender-bender while your vehicle is in the shop.
3. Gap Insurance
What would you do if you purchased a new car, only to have it totaled a few days later? Although many people assume that a wreck like that would ensure they would be able to purchase the same car, depreciation could make it difficult to recoup enough money to purchase the same vehicle.
Gap insurance is designed to fill this gap between depreciation and auto insurance coverage, making it easier to replace your car. Always consider gap insurance if you purchase a newer car, or if you are nervous about depreciation rates for your vehicle.
If you need new car insurance, think carefully about what you need before you sign off on a new plan. By customizing your cheap car insurance with the perks that you need, you can make it less stressful to protect your finances while also keeping your costs as low as possible. Talk with companies like LA Insurance today to learn what you need.