When it comes to purchasing car insurance, San Diego drivers have been conditioned to ask for the bare minimum coverage to register their vehicle, get their license plates, and be legally allowed on the road. The problem with this approach is that the minimum insurance required by the laws of California does not offer much protection for you. It mostly protects other drivers and their vehicles when you get into an accident.
In essence, car insurance add-ons are additional clauses that can be included in your policy for the purpose of protecting you, your passengers, and your vehicle. In the rush to save a few dollars, you may be missing out on certain coverage items that could come in handy when you need them. The best course of action is to get a comprehensive and cheap San Diego car insurance policy that carries all possible add-ons. However, you can also pick and choose the ones you need the most. Here are seven of the most commonly chosen auto insurance add-ons.
1. Collision Coverage
You may already be familiar with this add-on if you have previously financed the purchase of a new car. Collision coverage protects your vehicle even if you get into an accident that does not involve any other drivers. If you have a nice car, you should make sure to purchase this coverage.
2. Roadside Assistance
Being stranded on a dark road is not fun. Roadside assistance is one of the most welcome coverage items you can include in your auto insurance policy.
3. Rental Car Insurance
If you think your Visa or MasterCard will be enough to cover you when you rent a vehicle, think again. If you choose to include basic rental car insurance in your policy, you will be more likely to get a free upgrade at the agency and will have peace of mind for the entire rental period.
4. Uninsured Motorist
Many drivers fail to realize how beneficial this add-on can be. Believe it or not, uninsured drivers are common in California. If one of these risky drivers hits you, this add-on can save you from having to endure the lawsuit.
5. Zero Depreciation
This popular add-on offers full replacement value on auto parts. Many auto insurance agencies offer this coverage for the first few years of the policy. It will be up to you to refresh it once your car gets older.
6. Deductible Reduction
Some insurance agencies market the vanishing deductible add-on as the “good driver clause.” If you manage to avoid accidents and traffic tickets, your deductible can be reduced by a contractual amount until there is no more deductible to worry about.
7. Gap Insurance
This smart add-on protects you in case you financed a new vehicle with a long-term loan that features a high balance even after the car is totaled in an accident. Gap insurance covers any gaps left by money owed against the value of a vehicle.
If you’re not sure which add-ons are best for your personal driving needs, get in touch with American Tri-Star, and we can help you choose a policy that works for you. In addition to auto insurance, we also offer affordable options for motorcycle and RV insurance in San Diego. To learn more about our policies, call 619-272-2100 to speak with one of our friendly and knowledgeable representatives.