When you buy a car, whether it's new or used, you will need to have a sufficient amount of auto insurance coverage on it. You are probably aware of this, and you may already have collision and comprehensive coverage on it, but what about coverage for extra things you might need? Here are three types of extra coverage you might want to consider adding to your existing policy.
If you have ever been stranded somewhere due to a problem with your car, a flat tire, or a lack of gasoline, you can probably remember how this feels. Being stranded is not a good thing. It can be scary and overwhelming, and you may feel confused and uncertain about what to do. If you want to protect yourself in situations like this, you may want to add roadside assistance coverage to your policy.
This type of coverage is great to have if you ever break down or run out of gas, and it often even helps people when they lock their keys in their cars. With roadside assistance, you can call a phone number for help, and someone will be on their way shortly to assist you. The person that shows up to help you will make sure you get whatever it is you need and will make sure you are safe.
Roadside assistance coverage may cost anywhere from $36 to $100 a year, which is not a lot if you consider how much it can help you in times of need.
While this is rare, there are some people that purchase glass coverage as an extra with their auto insurance. Glass coverage will protect you from accidents that damage your windshield or windows of your car. With this coverage, you may be able to get a cracked windshield replaced for free.
Rental car coverage
Another extra type of coverage you can add to your policy is rental car coverage. If you ever cause an accident and your car is in the shop getting repaired, this extra coverage will provide you with a rental car while your car is in the shop. It does not cost a lot to have rental car coverage, yet it could save you hundreds of dollars if you are ever in this situation.
If you want to make sure your car is fully protected, you may want to call an insurance company to review your current policy. When you do, you may find that adding extra types of coverage is very affordable and smart.