When you purchase a car insurance policy in California you are probably most concerned with you coverage levels and deductibles. However, there are several add-on options available with your policy that you will want to consider. After all, if you are in an accident you have to worry about getting to work while your car is being fixed and no one wants to break down on the side of the road and have to call friends or family for help. The following features can be very helpful in many different situations:
- Road Side Assistance
- Rental Car Coverage
- Personal Property Insurance
Roadside Assistance
Roadside assistance can be a very helpful benefit if you run out of gas, have a flat tire, or if your car breaks down on the side of the road. In most cases this additional insurance is very affordable. For a few extra dollars each month you can enjoy the peace of mind that you have help if something happens. Most policies will provide you with towing of up to 100 miles, 5 gallons of gas if you run out, and someone will come and change your tire if it goes flat. In most cases you simply call the 800 number and a local towing, or repair company, is dispatched to provide assistance.
Rental Car Coverage
There are two different types of car rental insurance available. The first type covers any cars you would need to rent on a regular basis. If you will be renting a car this coverage will protect you in case of an accident. The second type of insurance provides you with a rental car after an accident. When you place your car in the shop for repairs you are provided with a rental car at no cost to you. Both types of additional coverage are quite affordable. This is especially true when you consider the cost of renting a car and insuring it through the rental company.
Personal Property Insurance
Personal property insurance covers the personal property located inside your vehicle. Most insurance policies do not cover the contents inside your vehicle if your car is stolen or if someone breaks in and steals your things. Therefore, this insurance can be very valuable if you keep things of value in your car. Imagine how much it would cost to replace your laptop or other personal property if someone were to break in and steal them. With this insurance your vehicle is covered for theft and all the contents inside are covered for theft or damage resulting from your car being stolen.
Adding these additional features to your policy is not mandatory. However, if you are ever in a situation where the coverage is needed you will be glad you added the coverage. With most policies you can all three types of coverage for just a few dollars per day. In addition, some companies will give you a discount for selecting all three types of coverage.
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