It doesn’t matter if you are living in Dallas, TX, shopping for insurance in Kansas City, or finally buying your dream car in San Diego, CA, you are going to have to pay for car insurance if you are going to drive. Auto insurance companies sweeten the sting of having to pay premium by offering “extras” on their auto policies, often at a low price.
1. Many car insurance policies now offer roadside assistance. The only thing that used to be covered on your auto insurance was towing from the scene of an accident. Now the roadside assistance on your auto policy will send someone out to unlock your car, put a gallon of gas in if you run out (guilty), or even help you change a tire if you don’t want to break a nail. In fact, some companies offer free roadside assitance plans. Click below to get free roadside assistance for life through one of the companies we write through. No obligation, just free roadside assistance.
2. Your cell phone can be covered on your auto insurance. One of our companies offers an endorsement to cover your cellphone on your auto insurance policy. This protects your phone for up to $500 for theft (except from an unlocked car) breakage, or loss. The breakage part is important, becuase if you are like me, you have forgotten you dropped the phone in your lap and when you stand up to get out of the car it bounces off the parking lot.
3. Many car insurance policies now offer “new car replacement” coverage.So you splurged and bought the first new car of your life – that Fiat Abarth you have always wanted, or the Taurus you dreamed about as a kid – whatever. Some companies will replace your car with a new make and model of the same car if yours is totaled or stolen within the first three years of ownership. Generally that is the time you are upside down in your loan, so it’s great to not have to settle for something else because your car has depreciated. Wreck your 2012 Fiat and end up with a brand new 2013 in the dirveway. That is pretty nice.
4. Protection from auto accidents even when you are not in your car. Personal injury protection is coverage for your medical bills and lost wages if you are in an accident with a motor vehicle. That coverage is there if you are driving your car, walking across a parking lot, or pedaling your bicycle down some beautiful two lane country road. PIP is usually pretty cheap, often less than $10 a month. The fact that it covers you in any accident with a vehicle can make it a very valubale coverage on an auto insurance policy.
As you can see, there are lots of coverages available to you on an auto insurance policy than just what it takes to make you legal to drive. While you have to pay your auto insuance bill, some companies make that pill easier to swallow by giving you much more protection than you expect. Call and talk to an agent today, and see what sort of options you have when it comes to your car insurance. .