Car insurance companies are happy to offer customers add-ons and options that drive up the price of insurance. Some may not appeal to you, but others are worth their weight in gold. Here are the top five insurance extras you should purchase to protect yourself and save money in the end.
Roadside Assistance is Affordable Through your Insurance
You can sign up for stand-alone roadside coverage, but it is surprisingly affordable through your insurance company. With this protection, you can call for help changing a tire or when you lock your keys in the car. You can also call for a tow if your car breaks down. It only costs a few dollars a month, and you won’t have to worry about being stranded on the side of the road if you have a problem.
Glass Coverage Saves Money
Another affordable option is glass coverage. This coverage is also very affordable and pays for a new windshield if yours is cracked. Windshields can cost several hundred dollars, so this insurance is a smart choice. In addition to covering your expensive windshield, the insurance will also cover rear and side windows.
Uninsured and Underinsured Motorists Cost you Money
You follow the rules and carry automobile insurance, but not everyone is that responsible. The roads are plagued with drivers who choose not to carry insurance or they don’t have enough coverage. Your policy won’t cover the damages to your car if you only have liability insurance, and that can leave you on the hook for the damage in the event of an accident. You can avoid this by covering yourself by investing in uninsured and underinsured motorist protection.
Comprehensive Coverage is a Smart Choice for Most Cars
Once your car is paid for, you no longer have to carry comprehensive coverage. While you may be anxiously waiting for the day when you can drop this, you might want to rethink that plan. Even a used car can cost several thousand dollars, and your insurance won’t pay for damage to your car at all if you don’t have comprehensive coverage. Even if you own your car free and clear, you should strongly consider investing in this important coverage. It will make all the difference in the world if your car is ever totaled.
Personal Injury Protection Covers Medical Bills
If you have medical insurance, then you probably don’t need this coverage. If you don’t carry separate medical insurance, then this is a must-have (as well as the information about how to benefit from the Lemon Law, described on the website). This coverage can save you a small fortune by covering medical bills incurred by you or your passengers after an accident.
Personal Property Riders
Comprehensive coverage will cover any factory equipment in your car, but it won’t cover that high-end sound system you had installed or your expensive rims. Those sound systems can cost a small fortune, and you want to protect your investment. The rider will cost a little extra, but it will also provide you with peace of mind to know your little extras are covered.
When you are reviewing your auto insurance policy, don’t be too quick to drop these little extras. From sending out help when the car breaks down to covering medical bills and your high-end accessories, these insurance options can prove to be very valuable. Most of them only cost a few dollars a month, so they are well worth the extra expense.