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Optional vs. Necessary Coverages
Coverage for Travelers
Roadside Assistance Coverage
Do I Need Optional Car Rental Insurance?
How Long Should I Carry Gap Insurance?
1. Coverage for Travelers
Your EU-based policy may offer an automatic extension of affordable custom coverage to protect you while driving to any EU destination, but this coverage may be limited and you may have to pay an extra premium for full coverage outside your primary driving area. Paying the additional premium for full coverage is a good idea. Accidents are often caused when drivers try to operate in other countries where the local highway customs are unfamiliar and confusing. Top
2. Roadside Assistance Coverage
Always read the fine print on your car insurance policy to see what specific services are covered by a roadside plan and if you must be involved in an accident to receive these covered services. You may find that tire repair and the actual towing costs are included but other services are not. Or you may have a plan that will pay for any help given on-site but not for tire repair back at a garage or gas station. It all depends on the terms of your insurance. Know what is covered before you call the tow truck. Top
3. Do I Need Optional Car Rental Insurance?
If you choose this optional coverage, be sure to read closely the terms of coverage. Most policies offer a set dollar amount to reimburse you the cost of the rental vehicle. If your rental costs are more than the set rate, you'll be responsible to cover the extra cost. Be aware that the policies usually require you to pay in advance and then later submit the bill for reimbursement at the end of your rental period. Top
4. Raising Deductibles
When raising deductibles to create more affordable coverage, examine your policy and change the parts of your insurance you think you will be the least likely to use. A high collision deductible may not be as advantageous as a higher comprehensive deductible--especially if you keep your car in a garage or other protected area. Affordable coverage is within your reach if you make smart choices on your deductible coverage options. Top
5. How Long Should I Carry Gap Insurance?
As you get closer to paying off your auto loan, periodically re-evaluate your coverage and end gap insurance when it's clear that the amount left on the loan and the actual market value of the car are more or less equal. You may also consider ending this additional auto insurance when it won't hurt you financially to pay off the remainder of your loan should the vehicle be damaged beyond repair. Top
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