If you do not know much about car insurance, you might have questions when buying a policy. Many people have questions about car insurance, and many people do not have the right types of coverage because they do not know what they need. If you speak to a car insurance agent, you can learn a lot about your insurance options. While talking to an agent, they might recommend adding on the following three types of car insurance.
1. Rental Car Coverage
You may occasionally experience a time when your car is in the shop getting repairs after a collision. If this occurs, would you need to rent a car to use? Renting a car can be a costly event, which is why you might want to add rental car coverage to your auto insurance plan. If you have rental car coverage, your policy reimburses you for the money you spend on a rental car. This coverage only kicks in if you have a collision covered by your policy. You cannot use it to rent a car while you are on vacation or for any other reason.
2. Emergency Roadside Assistance
Many auto insurance policies include roadside assistance, but some do not. If your policy does not include it, you might want to add it as extra coverage. Roadside assistance is a service you might suddenly need if you have a car problem. It provides help to you if you have a flat tire or run out of gas. It helps if you have a dead battery, and it covers many other issues. You can receive services for free or reduced prices if you have emergency roadside assistance as part of your coverage.
3. Mechanical Breakdown Coverage
The third type of extra coverage to add is mechanical breakdown insurance. This coverage is the rarest type of all three, but it can be extremely beneficial. If you encounter a major problem with your vehicle, such as a blown engine, you can file a claim with your car insurance plan. If you have mechanical breakdown coverage with your car insurance, it may cover some of the costs for making the repairs.
You can add any of these coverage types to your plan, but it will cost a little more. However, having the right coverage can be invaluable in an emergency. For more information about the options that a car insurance agent can offer you, reach out to a local insurance agency.