Cheep Vehicle Insurance, Other Types of Auto Insurance Coverage
You can always supplement your policy with specific protections at additional cost. For example, many motorists get comprehensive and collision coverage. Comprehensive pays out when your car is damaged or lost due to causes other than an accident, such as vandalism, theft, or weather. Collision coverage will pay to repair your own car if you hit something. This type of coverage is normally required if you are still making payment on your vehicle by your lender.
Comprehensive/Collision coverage typically come with your choice of deductible, usually $250 to $1,000. This is the amount you pay out of pocket before your insurance kicks in; the higher the deductible, the lower the premium you will pay for this type of coverage.
Additional options include rental reimbursement coverage, which pays for a rental car while your car is in the shop being repaired. Roadside assistance coverage will pay to have your vehicle towed. Keep in mind that if you already have an auto club membership, you do not need this additional coverage.