While your auto insurance does an incredible job of protecting you and your vehicle, sometimes it can fall short. However, don’t worry because insurance has “add-ons” which can boost your auto insurance policy to make up for the shortcomings of your coverage. Considering auto insurance add-ons in Meridian, ID? Idaho Select Insurance gives a rundown of 4 “riders” you can consider to enhance your auto insurance policy.
Have you ever wondered about the value your insurer will compensate you if your car is totaled or stolen? The value will likely be less the depreciation factor, meaning you have to top up if you want a similar vehicle like yours. It’s never good news to know you will pay more out-of-pocket expenses beyond the deductible. Luckily, you can consider the deprecation cover “rider” to cushion you against depreciation when the insurer compensates you when your vehicle is stolen or totaled.
Suppose your vehicle acts up while miles away from your residence. The first instinct is to call your relatives and friends, but they may be too far to offer any help. But guess what? If you have a flat tire, dead battery, or run out of gas, you don’t have to spend hours stranded on the road. Invest in roadside assistance coverage, and car breakdowns don’t have to hold you hostage on the road.
Custom parts and equipment coverage
If you are into tuning or “modding” your car, you should invest in this coverage. Typical car insurance only covers built-in or “stock” parts. In light of this, if you have custom seats or a state-of-the-art sound system, consider custom parts coverage.
If your car is totaled, your insurance will write you a check for the value of your vehicle at your time. If you have an outstanding loan that’s more than the insurance compensation, you will have to top up the difference from your pocket unless you have gap insurance.
Want to consider auto insurance add-ons in Meridian, ID? Please get in touch with Idaho Select Insurance.