You have a lot of different options to choose from when you purchase auto insurance. Not only can you choose between different policy features, but you can also choose between different auto insurance providers.
It's important that you do your homework and explore all your options before you select an auto insurance policy. There are certain policy features that will really come in handy if you need to file a claim down the road.
The following are six auto insurance features you'll want to have on your policy.
Rental vehicle coverage
If you get in an accident, you might find yourself without a vehicle to get around in until your vehicle is repaired. In this situation, rental vehicle coverage really comes in handy. Many auto insurance providers offer rental vehicle coverage that will pay for a rental car for you while your own vehicle is in the shop getting repaired after an accident.
Roadside assistance
It's a very unpleasant experience to be broken down and stranded out on the roads somewhere. That's why roadside assistance is so important. When you have roadside assistance included on your policy, your insurance covers the costs of having a tow truck come to get you if you break down or get in an accident.
Automatic payments
If your policy offers automatic payments, you can have your monthly auto insurance premiums automatically deducted from your bank or credit card account when your payment is due. This way, you don't have to remember to make a payment every month. Automatic payments aren't just convenient. They can also save you money. Some insurance providers offer a discount to those who opt for automatic payments.
Online account access
Being able to access your auto insurance account information online is very convenient. With online account access, you can check on your payment due date. You can also make payments online or change your automatic payment settings. Online account access is a great feature for an auto insurance policy.
Coverage for uninsured motorists
One optional type of coverage is uninsured motorist coverage. Unfortunately, there are many uninsured drivers out on the roads. Uninsured motorist coverage will cover any damages to your own vehicle if another driver without insurance causes an accident that you're involved in.
Coverage for mechanical breakdowns
Mechanical breakdown insurance is available to motorists to cover the costs of mechanical repair needs. If your vehicle breaks down due to a mechanical failure, standard auto insurance won't cover the resulting costs. However, the resulting costs will be covered if you invest in mechanical breakdown insurance.
Reach out to an agent for more information about auto insurance policies.
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