Auto insurance can be a lifesaver in the event of an accident or roadside emergency. By adding certain types of coverage, you can significantly reduce stress and financial burden. This article explores various auto insurance extras that can make your life easier and more secure.
Worried about the aftermath of a car accident or roadside emergency? Adding specific coverages to your auto insurance can alleviate stress and financial strain. This article delves into the benefits of rental car coverage, reduced deductibles, and roadside assistance, offering detailed insights and statistics to help you make informed decisions.
Many drivers opt for the minimum liability coverage to save money, but this can be a short-sighted decision. While accidents and emergencies are relatively rare, they can be incredibly costly and inconvenient when they do occur. According to the National Highway Traffic Safety Administration (NHTSA), there were over 6.7 million police-reported motor vehicle crashes in the United States in 2019 alone[^1^]. Here are some ways to make these situations more manageable through your auto insurance provider.
One of the most inconvenient aspects of an accident is being without a vehicle. Rental car coverage can be a game-changer in such scenarios. For just a few extra dollars per month, this coverage ensures that most of your rental car expenses are covered while your vehicle is being repaired. According to a study by the Insurance Information Institute (III), the average cost of a rental car is around $45 per day[^2^]. With rental car coverage, your policy can cover a significant portion of this cost, allowing you to maintain your daily routine without major disruptions.
Another way to ease your anxiety after an accident is by reducing your deductible. The deductible is the amount you pay out-of-pocket before your insurance kicks in. Lowering your deductible can be particularly beneficial if you drive frequently and have a higher risk of collisions. While this may increase your monthly premium slightly, it can save you a substantial amount in the long run. According to a report by the National Association of Insurance Commissioners (NAIC), the average auto insurance deductible is around $500[^3^]. Reducing this amount can make a significant difference when you need to file a claim.
Accidents aren't the only issues you might face on the road. Breakdowns, running out of gas, or tire blowouts can also occur. Adding roadside assistance to your policy can provide immediate help with just a phone call. Most auto insurance companies offer this service for a minimal monthly fee. According to AAA, the average cost of a tow is around $109[^4^]. With roadside assistance, you can avoid these unexpected expenses and get back on the road quickly.
Auto insurance companies vary widely in the extras they offer and their costs. It's essential to compare different providers to ensure you get the best deal. Websites like NerdWallet and Consumer Reports offer comprehensive reviews and comparisons of various auto insurance companies.
Adding extras to your auto insurance policy can provide peace of mind and financial security. Whether it's rental car coverage, a reduced deductible, or roadside assistance, these additions can make a significant difference in the aftermath of an accident or emergency. Talk to your insurance provider to explore these options and make your driving experience safer and less stressful.
[^1^]: NHTSA Traffic Safety Facts [^2^]: Insurance Information Institute [^3^]: National Association of Insurance Commissioners [^4^]: AAA Towing Costs
By adding these coverages, you can drive with greater confidence, knowing that you're prepared for any eventuality.
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