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
Search All Blogs
Read More Blogs
Garage Sale Bingo
Items You Can Expect to Find When Heading Out to Yard and Garage Sales
Give It Away
Does “Giving It Away” Make Sense for Your Business?
Life’s Challenges and Rewards
The Hills and Valleys Are Just a Part of It
Frequent After-Market Add-ons for Cars and Trucks
We not only love our vehicles, but we love making them our own. Is your car or truck properly insured for these add-ons?
Getting Serious About Energy Savings
Are You Ready for the Next Step in Going Green?
Getting Your Mind Out Of the Gutter: Fun Bowling Facts
Staying in Your Lane Used to Mean Something Different
What Are the 7 Habits of Highly Effective People?
Do You Practice These Habits?
How Many People…
Odd and Interesting Facts About All of Us
Distinctive Automobile Headlights of the Past
Headlights Do More Than Just Help Us See at Night
Why You May Need Renters Insurance
Don’t Be a Renters’ Insurance Denier. Here’s Why You May Need Its Protection.