When you are looking for auto insurance in Connecticut, CT, you may be faced with several additional coverages that are add-on extras. While you may want to opt for a basic, no-frills coverage, the extras are always worth considering. Auto insurance is designed to keep us safe on the roads when the worst happens, and you don’t want to be caught out or left short when expensive repairs and costly damages occur.
When securing your next car insurance policy, don’t just opt for the cheapest, bare-bones policy. Talk through the extras with your agent to decide what is right for your needs. Before you decide, take a look at some of these add-ons that are essential in car insurance.
Types of Car Insurance Add-Ons That Are Worth It
Engine troubles, mechanical and electrical failures, flat tires, and even running out of fuel are frustrating incidents that every driver hopes to avoid. Not only can they be incredibly inconvenient and leave you stranded, but they also mean expensive bills for repairs and towing costs. Roadside assistance does more than just tow your car to the nearest garage. It can cover you when:
- The car’s battery is flat
- Minor repairs are needed related to the breakdown of the vehicle
- You need assistance changing a flat tire
- You need a delivery of emergency fuel when you run out
- You get locked out of your vehicle
Roadside assistance gives you peace of mind on the roads, whether you’re heading out on an impromptu road trip or a long daily commute.
Rental Car Coverage
Most of us rely on our vehicles for work, errands, as well as daily life, so it’s extremely inconvenient to be left without your main mode of transportation. When you’re involved in an accident, your vehicle may need significant repairs, which could leave you without a car for several days or a couple of weeks. You have the option of paying for a rental car, but that can be expensive and time-consuming if it’s coming out of your own pocket.
Rental car reimbursement is designed to cover the cost of a rental car when you need a replacement while yours is being fixed. The rental car will usually need to be similar to your current vehicle – so no renting a Land Rover if you usually drive a Toyota Corolla. This coverage helps to get you back on the roads while your vehicle is out of action due to repairs. This means you don’t have to rely on friends, family, and taxis while you don’t have a vehicle to use.
Personal injury protection (PIP)
Personal injury protection, also known as PIP, is a coverage that protects you and your passengers against personal injury by covering medical expenses, such as treatment and medication. In some cases, this coverage will help to cover lost wages and rehabilitation services from injuries sustained in a covered accident. This is vital coverage for anyone who doesn’t have a comprehensive health plan or simply has no medical insurance at all.
These are just a few extras that you should consider when securing your next auto insurance policy. Talk to a professional, licensed agent who can help you find the right policy at the right price. Remember to consider extras in your auto insurance as you may benefit from coverage on the roads.
Work with an insurer who can find the right coverage for your vehicle, lifestyle, and driving history. For all of your car insurance needs, contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of auto insurance coverage, all at the right price to fit your budget.