As in most other states, cheap California auto insurance usually means the “bare minimum” in terms of coverage and options. For many people, getting their car insured means settling for a bare-bones policy. However adding certain options isn’t necessarily a luxury, and can even be cost-effective, such as when you find yourself having to shell out for towing.
Auto insurance is required for any individual that wishes to operate a motor vehicle on the roads in the United States. All individuals must at least possess liability auto insurance which provides the motorist with coverage to protect another individual or motorist in case of an accident. If an someone has an automobile that is financed, it is usually required that they obtain full or “comprehensive” coverage to protect both others and the individual from property damage. Along with these very common types of automobile insurance there are additional types of auto insurance coverage that individuals can purchase for further protection. Many of these services are optional and can be added to an auto insurance policy.
Towing and roadside assistance are options for most policies. Many people do not consider them to be optional because they are used so frequently by individuals and can be very important when in a bind. Roadside assistance is useful if an individual’s vehicle breaks down and needs immediate repairs. This service allows a motorist to contact a roadside emergency company such as Triple A to assist with everything from a flat tire to locking one’s keys in the car. The towing service is also convenient because it allows an individual to have a vehicle towed for any viable reason. Although towing and roadside assistance are optional for auto insurance coverage, having the ability to contact a company to assist with vehicular issues and not have to worry about compensating the assistance company at the moment of the accident is ideal which why so many people invest in this optional service.
Additional options include rental car coverage. Waiting to have a vehicle repaired after an accident can cause tremendous inconveniences. People depend on their vehicles for everything from transporting children to school to commuting back and forth to work. Having rental car coverage on your policy will ensure that a while your vehicle is being repaired you will have access to a car until you get yours back. Under the rental car coverage there is an allotted amount for the rental car use within a certain period. You can usually choose the type of vehicle that you want, and then submit the applicable insurance information to the rental car company to ensure that the rental company is properly compensated. This service may be optional, but many people appreciate having the ability to obtain a rental car after being in an accident. This optional rental car service may mean the difference in being able to get to work, pick up the kids, etc.
There are a number of optional services offered under auto insurance plans. Although these services are not mandatory, many people decide to add them to an existing policy for the many benefits that they offer. It should be noted that these optional services will certainly increase the insurance premium and because of this it is important to select the optional services that are most beneficial.