Car Insurance Add-On’s You May Want to Consider
Car Insurance Add-On’s You May Want to Consider
We fully understand that it is the intent of many people to find the least expensive auto insurance possible. They just want to meet state minimum standards with no add-ons just so they can meet legal requirements. This may be prompted, in part, by a fear of being sold something they don’t need. If you are just purchasing automobile insurance at state minimum levels, however, you may be putting yourself at financial risk, and not taking advantage of protection that may be both valuable and affordable. Here are some things to consider.
State Minimums are Minimal
You should first understand that minium standards will meet legal requirements but not likely provide sufficient protection even for modest incidents. You should also keep in mind costs increase, but minimum standards do not. If you have any significant financial resources, invest in higher than minium coverage.
Uninsured and Under-insured Driver Coverage
A few states actually require this coverage, for good reason. Odds are greater than 1 in 8 that you will be involved in an accident with someone without insurance. This is an affordable addition to your car insurance protection.
Personal Injury Protection (PIP)
This is required in some states, especially those with no-fault insurance. It is vital if you don’t have health insurance or insufficient health insurance.
Roadside Assistance
It is reassuring knowing if something should happen to your vehicle while traveling, you can call professional roadside assistance to help. This is an extremely affordable option if not already included in your auto insurance policy.
Car Rental or Replacement Coverage
Getting a car repair can take weeks depending on how severe the damage is. Having your insurance company pay for a rental car while it is in the shop can not only be convenient, but save you significantly. Again, it can be added to most car insurance policies at minimal expense.
If you are looking for inexpensive car insurance, we understand. But you may be missing out on some valuable additional coverage at affordable pricing. Contact one of our independent insurance agents today for a quote you can live with.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Read More Blogs
Neighborly Navigations: Resolving Disputes in Non-HOA Communities
No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.
Peace of Mind at Home: Building Your Essential Supply Stockpile
Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.
Faded Glory: Remembering the Sports That Once Ruled Our World
Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.
Shielding Your Dream: Essential Insurable Risks Every Small Business Faces
Protect your small business! Understand key insurable risks like liability, vandalism, theft, employee injuries, and business interruption, and how insurance can help.
Finding Your Financial Foundation: Understanding the Minimum Life Insurance You Need
What’s the minimum life insurance you really need? Learn about covering final expenses, debts, and providing immediate financial relief for your family.
The Century-Long Rumble: The Epic Rivalry Between Ford and Chevy
Relive the classic Ford vs. Chevy rivalry, from the Model T era to the Mustang vs. Camaro showdown and today’s truck dominance.
Living Large: Peeking at the United States’ Most Outlandishly Expensive Homes
Explore the incredible world of ultra-luxury real estate with a look at some of the most expensive homes recently sold in the United States.