Personal Injury Protection
Most insurance companies will try and sell you on needing personal injury coverage when you drive. This coverage will allow you to seek medical care if you are in an accident and not worry about the bills that you incur. But if you already have medical coverage separately, this isn’t an add-on that you really need. If you are looking for cheap car insurance and have your own health insurance, you can probably skip this coverage and save yourself some cash.
Rental Car Coverage
Cheap car insurance companies will offer rental car coverage as part of your plan. However, if your policy includes collision and comprehensive coverage, you may not need to pay for rental, as this is usually already part of the deal. You’ll want to make sure that you do have a way to rent a car if you are in an accident and your own car needs to be repaired, especially if you don’t have a second vehicle to drive. If you do decide to choose this coverage, there are many cheap car insurance plans that will provide it for just dollars a month.
Emergency Roadside Assistance
When you are browsing the different cheap car insurance companies available, you’ll see that most offer their own emergency roadside assistance coverage. This will cover you if you break down, run out of gas, have a flat tire or lock yourself out of your vehicle, to name a few. You might want to consider this coverage if you don’t have anything else. But of you are a member of Triple-A or your vehicle has a service such as OnStar, then this is an unnecessary add-on and will only cost you more out-of-pocket per month. Not only that, some insurance companies will enforce limits on the number of times you can use their service. Youi cheap car insurance company will always offer emergency roadside assistance, but you do not have to take it.
Don’t Be Pushed into Add-Ons
As you are shopping for cheap car insurance, remember that it is your insurance provider’s job to try and sell you the most coverage that they can. Never let yourself be pushed into coverage and add-ons that you know are not needed. You can easily find cheap car insurance when you take the time to learn more about the different costs and coverages that companies offer. Don’t settle for the first offer-take your time and compare.