Image: openclipart.orgEveryone knows that even the most basic car insurance will protect people against the costs of accidents or bodily injury, but there may be other things that your car insurance policy covers that you didn’t know about.

In other situations you can add these extras to your policy for additional cost to your premium, and as you’ll see, some of them are worth the extra few dollars while others may not. We’ll go over the pros and cons of each one to see if they fit your needs.
Roadside Assistance

If you aren’t a member with AAA or any other auto assistance company, you may want to consider adding this to coverage to your policy. You’ll be reimbursed for any towing charges, flat tire repairs on the road, or gasoline purchased during car emergencies.

The additional cost of having this coverage added on to your main policy can pay for itself with just one use. But if you can change a flat tire, are pretty conscientious about keeping your tank full, and have a reliable car, you probably can pass on this ‘rider” for your policy.

Rental Car Damage

If you’ve ever rented a car, the agent usually points you to the part of the contract where you have the option to turn down additional insurance coverage for the car in case of an accident.

But before you accept and check the box, you should be aware of whether your present insurance policy already covers you for car rentals. Most car insurance policies have this, but before you go on that long vacation with a rental car, check with your insurance agent to see if you have this feature.

If you don't, you may want to accept the insurance offered by the rental car agency. If you are covered already, decline it because you’ll be double covered, which is unnecessary.

Animal Collisions

Of course if your car gets hit by an animal such as a deer, you can’t collect damages from the creature. This is where your insurance policy kicks in. If you have comprehensive coverage, the damage Bambi caused to your car is covered by your insurance.


Comprehensive car insurance policies cover the theft of your car, but these policies may also cover stolen “attached” items such as car stereos, tires, installed DVD players, car speakers, and other things that are physically connected to your car. However, this coverage doesn’t cover “unattached” items such as wallets, the contents of shopping bags, and other things.

If you’ve got a car that is on the top ten list of the most stolen cars in America, (see: Top Stolen Cars in the United States)  it may be a good idea to double check to see if your policy carries this protection.

Forces of Nature

Floods, landslides, lightning, storms, and other forces of nature can decimate cars. If you’ve got a comprehensive car insurance policy, you should be covered for any damages that are a result of natural causes. But in some cases, particular damages resulting from nature are not covered, or need to be added on as a "rider" or additional coverage. Check with your agent to make sure.

If you live in an area where natural disasters are seasonal, buying comprehensive car insurance is a must if the value of your car is important.

For those who just have “beaters” or second cars that act as backup transportation, the need for comprehensive car insurance may not be necessary because buying a vehicle replacement may be a faster and cheaper route to go.


Comments (22) -

company moving
12/6/2015 1:17:07 AM #

What's up to every , for the reason that I am really keen of reading this website's post to be updated daily. It consists of pleasant material.

company moving
12/6/2015 1:17:22 AM #

What's up to every , for the reason that I am really keen of reading this website's post to be updated daily. It consists of pleasant material.

life insurance
12/13/2015 12:34:12 PM #

Hey There. I found your blog using msn. This is a very well written article. I will be sure to bookmark it and return to read more of your useful info. Thanks for the post. I will definitely return.

auto transport
12/23/2015 8:58:12 AM #

I read this paragraph completely on the topic of the comparison of newest and previous technologies, it's amazing article.

professional car move
1/6/2016 2:18:12 AM #

hey there and thank you for your info – I've certainly picked up something new from right here. I did however expertise a few technical issues using this website, since I experienced to reload the website many times previous to I could get it to load properly. I had been wondering if your web hosting is OK? Not that I am complaining, but slow loading instances times will often affect your placement in google and could damage your high-quality score if ads and marketing with Adwords. Well I'm adding this RSS to my e-mail and could look out for a lot more of your respective exciting content. Ensure that you update this again soon.

Toe Pain
1/7/2016 2:29:07 AM #

While some may experience gout pain by intermittent flashes of attack, some sufferers on the other hand experience the discomfort of gout during cold temperature or from immobility. Flat feet have various degrees of arch degradation when the body's weight is on them. “Frozen” immobile toe and ankle joints gain mobility.  Here is my web-site -  Toe Pain -

one deal a day
1/9/2016 5:09:13 AM #

Just desire to say your article is as astonishing. The clarity in your post is just spectacular and i could assume you're an expert on this subject. Fine with your permission allow me to grab your RSS feed to keep up to date with forthcoming post. Thanks a million and please carry on the rewarding work.  Here is my website -  one deal a day -

asuransi mobil all risk
1/11/2016 11:26:45 AM #

I don't even know the way I stopped up here, however I assumed this publish was good. I do not realize who you are but certainly you are going to a famous blogger in case you are not already. Cheers!

auto transport
1/14/2016 9:20:25 AM #

Hi, I want to subscribe for this web site to get latest updates, therefore where can i do it please help.

Exerpeutic 400Xl Folding Recumbent Bike
1/14/2016 9:57:03 AM #

Please let me know if you're looking for a article author for your weblog. You have some really good posts and I believe I would be a good asset. If you ever want to take some of the load off, I'd love to write some content for your blog in exchange for a link back to mine. Please blast me an email if interested. Thank you!

Dr oz fat burning Pills
1/15/2016 8:14:56 AM #

In fact when someone doesn't be aware of then its up to other people that they will help, so here it occurs.

coffee to Lose weight
1/16/2016 4:09:57 AM #

Having read this I believed it was extremely enlightening. I appreciate you finding the time and effort to put this content together. I once again find myself personally spending way too much time both reading and leaving comments. But so what, it was still worth it!

green coffee bean
1/17/2016 6:22:55 AM #

This piece of writing will help the internet viewers for building up new blog or even a weblog from start to end.

Bean diet
1/18/2016 10:23:30 PM #

I visited multiple blogs however the audio feature for audio songs existing at this site is truly superb.

does green coffee bean work
1/22/2016 8:15:35 AM #

Right now it appears like Expression Engine is the top blogging platform available right now. (from what I've read) Is that what you're using on your blog?

1/29/2016 2:56:06 AM #

Hey there! This is my first comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading your posts. Can you recommend any other blogs/websites/forums that go over the same subjects? Many thanks!

Meta Forskolin does it work
1/31/2016 6:50:15 PM #

hello there and thank you for your info – I have definitely picked up something new from right here. I did however expertise some technical points using this site, since I experienced to reload the web site lots of times previous to I could get it to load properly. I had been wondering if your web hosting is OK? Not that I'm complaining, but sluggish loading instances times will often affect your placement in google and could damage your high-quality score if advertising and marketing with Adwords. Well I am adding this RSS to my email and can look out for a lot more of your respective intriguing content. Ensure that you update this again very soon.

1/31/2016 10:31:46 PM #

Pretty nice post. I just stumbled upon your blog and wanted to say that I've truly enjoyed surfing around your blog posts. After all I will be subscribing to your rss feed and I hope you write again very soon!

Prolazyme reviews
1/31/2016 10:51:59 PM #

Hey there,  You have done a great job. I will definitely digg it and personally recommend to my friends. I'm confident they will be benefited from this web site.

Crevalor Muscle Building
2/1/2016 7:12:51 AM #

Hmm it seems like your site ate my first comment (it was super long) so I guess I'll just sum it up what I had written and say, I'm thoroughly enjoying your blog. I as well am an aspiring blog blogger but I'm still new to the whole thing. Do you have any points for newbie blog writers? I'd genuinely appreciate it.

Male Extra Erectile Dysfunction
2/2/2016 12:09:51 AM #

When someone writes an piece of writing he/she maintains the thought of a user in his/her brain that how a user can understand it. Therefore that's why this piece of writing is amazing. Thanks!

Green Coffee Extract
2/3/2016 5:11:14 AM #

What's up to every single one, it's actually a pleasant for me to visit this web page, it includes precious Information.

Mass Muscle FX Trial
2/3/2016 6:57:15 AM #

Attractive section of content. I just stumbled upon your website and in accession capital to assert that I acquire actually enjoyed account your blog posts. Any way I will be subscribing to your feeds and even I achievement you access consistently quickly.

Xtreme No2
2/3/2016 2:20:43 PM #

Thanks to my father who shared with me concerning this webpage, this web site is actually amazing.

Max Muscles Testosterone Supplement
2/3/2016 11:27:48 PM #

I have read so many posts concerning the blogger lovers except this article is truly a nice piece of writing, keep it up.

Muscle Building Review
2/5/2016 11:55:37 AM #

What i do not realize is if truth be told how you're no longer actually much more smartly-appreciated than you might be right now. You're very intelligent. You understand thus significantly with regards to this matter, produced me for my part imagine it from so many varied angles. Its like women and men don't seem to be involved until it is one thing to do with Woman gaga! Your individual stuffs nice. All the time deal with it up!

lightweight Etekcity Digital Bathroom Scale
2/7/2016 9:57:20 AM #

I'm gone to inform my little brother, that he should also visit this website on regular basis to obtain updated from hottest information.

Green Coffee G3000
2/7/2016 2:31:21 PM #

Howdy! I could have sworn I've been to this website before but after browsing through some of the articles I realized it's new to me. Anyhow, I'm definitely pleased I came across it and I'll be book-marking it and checking back regularly!

Blackcore Edge Muscle
2/7/2016 2:32:40 PM #

I have been surfing online greater than three hours nowadays, but I by no means discovered any fascinating article like yours. It is pretty value sufficient for me. Personally, if all webmasters and bloggers made good content material as you did, the web will likely be much more helpful than ever before.

Garcinia Cambogia Actives
2/7/2016 7:18:05 PM #

Pretty component of content. I just stumbled upon your blog and in accession capital to claim that I get in fact enjoyed account your weblog posts. Any way I'll be subscribing in your augment or even I achievement you get right of entry to consistently quickly.

Carbulossis Pills
2/7/2016 10:10:56 PM #

Hello there! This is my first comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading your blog posts. Can you suggest any other blogs/websites/forums that cover the same subjects? Thanks a ton!

affordable Marpac White Noise Machine
2/9/2016 2:30:28 PM #

I am curious to find out what blog system you're working with? I'm experiencing some small security problems with my latest website and I'd like to find something more safe. Do you have any solutions?
2/12/2016 10:11:28 AM #

I don't even know the way I ended up right here, but I thought this publish was great. I don't know who you are but certainly you are going to a famous blogger for those who aren't already. Cheers!

Super Fruit Cleanse
2/13/2016 5:57:49 PM #

You should take part in a contest for one of the finest blogs on the net. I am going to highly recommend this site!

Foot Drop
2/13/2016 10:28:32 PM #

I was recommended this website by my cousin. I'm not sure whether this post is written by him as no one else know such detailed about my difficulty. You are amazing! Thanks!  Feel free to surf to my blog post ...  Foot Drop -

do legal steroids work
2/14/2016 4:11:53 AM #

I am sure this paragraph has touched all the internet people, its really really nice article on building up new webpage.

All Natural Forskolin
2/14/2016 1:53:27 PM #

Hello friends, how is the whole thing, and what you wish for to say on the topic of this article, in my view its in fact amazing in favor of me.

properties for sale by owner
2/14/2016 11:52:50 PM #

It's a pity you don't have a donate button! I'd without a doubt donate to this brilliant blog! I guess for now i'll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this website with my Facebook group. Chat soon!  Also visit my webpage -  properties for sale by owner -

Ultra Trim 350
2/15/2016 7:11:11 AM #

This is a topic that is close to my heart... Cheers! Exactly where are your contact details though?

2/29/2016 9:14:10 AM #

Does your website have got a contact page? I'm having trouble locating it but, I'd prefer to shoot an email. I've got a bit of ideas for the blog you may be interested in hearing. In either case, great site and so i look forward to seeing it improve after a while.  my blog post  MikelBGajica -

attractive lashes
3/1/2016 9:40:20 PM #

Great article! This is the kind of info that are meant to be shared around the web. Shame on the seek engines for now not positioning this post upper! Come on over and seek advice from my site . Thank you =)  Feel free to surf to my web-site  attractive lashes -
3/1/2016 11:33:54 PM #

Hi there, I believe your blog might be having browser compatibility issues. When I take a look at your blog in Safari, it looks fine but when opening in Internet Explorer, it's got some overlapping issues. I just wanted to give you a quick heads up! Apart from that, fantastic blog!

3/15/2016 3:44:09 AM #

For most recent information you have to pay a visit world-wide-web and on the web I found this website as a most excellent web page for newest updates.  Check out my blog post  KiethMMotton -

buy dianabol
3/16/2016 7:54:45 AM #

Hi there, this weekend is fastidious in favor of me, because this time i am reading this fantastic educational piece of writing here at my house.

7/14/2016 8:15:11 PM #

fantastic submit, very informative. I'm wondering why the other specialists of this sector don't realize this. You must continue your writing. I'm sure, you've a great readers' base already!  My blog -  Quotes -

p90x workout routine
9/26/2016 5:08:06 AM #

Hi there, just wanted to say, I enjoyed this post. It was funny. Keep on posting!

Jordans For Sale
10/12/2016 4:36:05 PM #

Good site you have here.. It's difficult to find high-quality writing like yours nowadays. I truly appreciate people like you! Take care!!

Jordans For Sale
10/16/2016 4:15:57 AM #

Definitely, what a splendid website and instructive posts, I surely will bookmark your blog.Best Regards!

Jordans For Sale
10/17/2016 2:21:12 PM #

As a Newbie, I am always exploring online for articles that can be of assistance to me. Thank you

Friendship quotes
10/22/2016 1:39:26 PM #

I was wondering if you ever thought of changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two pictures. Maybe you could space it out better?  Here is my blog;  Friendship quotes -

Puma Shoes
11/30/2016 11:01:53 PM #

Amazing things here. I am very satisfied to look your post. Thanks so much and I am having a look ahead to contact you. Will you please drop me a e-mail?

dinero urgente
3/18/2017 8:45:14 PM #

Uno de los aspectos más destacables es la no necesidad de presentar una nómina un aval.    creditos -  Also visit my site ...  dinero urgente -

Minicreditos con asnef
3/18/2017 9:01:02 PM #

Las compañías de capital privado son las que más promociones ofrecen de créditos urgentes; algunas entidades bancarias también ofrecen este tipo de préstamos aunque para poder acceder a ellos debemos de ser clientes del banco.    Minicreditos con asnef -  Feel free to visit my site -  Minicreditos con asnef -

créditos rápidos faciles
3/18/2017 9:33:43 PM #

Créditos rápidos: si solicitamos préstamos personales rápidos de mayor importe que los minicréditos tardaremos más menos el mismo tiempo en recibir el dinero.    creditos rapidos asnef -  Review my website ::  créditos rápidos faciles -

creditos rapidos sin nomina
3/19/2017 5:36:41 AM #

El tipo de interés aplicado por las entidades no es el único aspecto a tener en cuenta cuando lo que queramos es saber lo que nos costarán diferentes préstamos personales.    creditos rapidos sin aval -  My site ::  creditos rapidos sin nomina -

creditos rapidos con asnef y rai
3/19/2017 10:59:41 PM #

La ley obliga a las compañías privadas de mini préstamos que indiquen el TAE en todos sus productos, aunque este no es el porcentaje very best para conocer el coste complete ya que es una medida anual y que los micro préstamos se suelen solicitar por meses.    prestamos personales -  my blog post ::  creditos rapidos con asnef y rai -

prestamo personal
3/20/2017 1:24:51 AM #

Podrás ver un resumen con las principales características de cada uno de los micro préstamos y un enlace a la internet de cada entidad para que puedas obtener más información pedir el crédito on-line.    prestamos rapidos urgentes -  Also visit my page:  prestamo personal -

creditos rapidos y sin papeleos
3/20/2017 1:24:53 AM #

Preste mucha atención a la carga de lucro y las contribuciones que están cobrando por el créditos.    productos bancarios -  my site -  creditos rapidos y sin papeleos -

creditos rapidos y faciles
3/20/2017 2:50:58 AM #

Los créditos rápidos, también llamados microcréditos, micropréstamos, minipréstamos, minicréditos, creditos on-line, préstamos rápidos, préstamos on-line, mini créditos al instante sin papeleos, vuelven a latir con fuerza en los bolsillos de las familias españolas.    creditos rapidos y sin papeleos -  My web blog ::  creditos rapidos y faciles -

creditos rapidos y seguros
3/20/2017 4:03:29 AM #

Estos créditos personales de a partir de 200 € los conceden algunos establecimientos comerciales y otras compañías (hipermercados, grandes superficies, compañías de telefonía, etc.) para financiar la compra de sus artículos servicios.    creditos rapidos al instante -  Also visit my web-site -  creditos rapidos y seguros -

creditos rapidos online sin nomina
3/20/2017 5:25:09 AM #

Para poder hacer frente a las deudas que tengo y tambien para reformas del hogar,aclaro que tengo contrato indefinido 5´5 años de antiguedad,mi nomina es entre tengo propiedad,estoy en vivienda de alquiler.tambien estoy en el asnef,supongo como la mayoria de los españoles.Tambien quiero definir que no voy a pagar nada…por me han hecho varias estafas¡¡¡.un saludo.   creditos con asnef -  Feel free to surf to my weblog ...  creditos rapidos online sin nomina -

creditos rapidos y seguros
3/20/2017 5:33:15 AM #

prestamos rapidos urgentes -  Feel free to surf to my homepage:  creditos rapidos y seguros -

creditos rapidos online sin nomina
3/20/2017 8:52:56 AM #

Los microcréditos tienen un interés más alto que el resto de créditos personales, pero estos productos no incluyen gastos de vinculación notaría, lo tipo de comisiones; además que cada vez son más las empresas privadas que ofrecen el primer crédito free of charge.    creditos rapidos sin aval -  Also visit my site:  creditos rapidos online sin nomina -

creditos rapidos sin papeles
3/20/2017 11:24:56 AM #

Sin embargo, quizá como consecuencia de la disaster económica que hemos vivido a lo largo de los últimos años, esto ha cambiado, y en la actualidad es posible conseguir un crédito rápido con ASNEF de manera rápida y tan sencilla como si no tuviéramos ningún tipo de deuda impago.   creditos rapidos -  Also visit my site;  creditos rapidos sin papeles -

creditos rapidos gratis
3/21/2017 3:50:16 AM #

Por eso, antes de solicitar nuestro micro crédito, es aconsejable utilizar el comparador que tienen para ello las entidades en sus promociones y ofertas más llamativas para el cliente como pueden ser el que el primer crédito on-line sea gratuito, siempre y cuando no se pida más de 300€, en líneas generales.   prestamos con asnef -  my web-site:  creditos rapidos gratis -

prestamos rapidos online
3/21/2017 5:02:35 AM #

En muchas ocasiones, si acudimos a un banco para pedirle financiación, no podremos acceder a sus préstamos si no cumplimos unas determinadas condiciones de vinculación.    creditos rapidos sin nomina online -  Feel free to visit my website  prestamos rapidos online -

creditos personales
3/21/2017 6:54:56 AM #

Este sistema de prestamos rápidos nos garantiza una solución efectiva a la hora de solucionar un problema de dinero que se nos pueda presentar.   creditos rapidos sin papeles -  Here is my site:  creditos personales -

pandora charms official site
3/26/2017 3:06:21 PM #

Yay google is my king assisted me to find this great website!

Pandora White Beads
3/27/2017 3:27:02 AM #

You've made some decent points there. I looked on the web for more information about the issue and found most people will go along with your views on this site.

créditos rápidos urgentes
3/27/2017 9:41:54 PM #

Ventajas: No pide documentación, servicio sábados y domingos, Sólo pagas intereses por el dinero que makes use of.   creditos rapidos con asnef y rai -   my web page ::  créditos rápidos urgentes -

creditos rapidos online sin aval
3/28/2017 8:03:18 PM #

Awesome! Its genuinely remarkable post, I have got much clear idea concerning from this post.    creditos rapidos y seguros -  Also visit my weblog;  creditos rapidos online sin aval -

cs go weapon skins steam
3/30/2017 8:28:28 PM #

Thanks very interesting blog!  Also visit my weblog -  cs go weapon skins steam -;u=61720

prestamos rapidos con asnef
3/31/2017 6:56:38 AM #

Hi, I do think this is a great site. I stumbledupon it ;) I will revisit yet again since I book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.    creditos rapidos online -  Feel free to surf to my blog ::  prestamos rapidos con asnef -

marketing digital no futuro
4/4/2017 1:55:30 PM #

Ei lá  estou tão  emocionado  encontrei seu  blog, realmente te encontrei por  erro , enquanto eu estava  navegando  em  Yahoo para outra coisa,  De qualquer maneira  eu estou aqui agora e gostaria de dizer  saúde  para um  notável  post e um para todos  emocionante  blog (eu também amo o tema/design), não tenho tempo para  ler isso tudo ao  momento mas tenho  salvou - e também  adicionado seu RSS feeds , então quando eu tenho tempo eu estarei volta para ler  muito mais , por favor, continuem a impressionante   b .

4/6/2017 1:43:07 AM #

My family members always say that I am wasting my time here at web, however I know I am getting knowledge all the time by reading such fastidious content.

4/7/2017 3:26:08 AM #

Hi there mates, pleasant post and good urging commented here, I am in fact enjoying by these.  Here is my page ... cs go skins price rising -  Jeff -  -

4/7/2017 12:20:54 PM #

You could definitely see your skills in the work you write. The sector hopes for even more passionate writers like you who aren't afraid to mention how they believe. All the time follow your heart.

Pandora Insect Charms
4/7/2017 5:37:30 PM #

Does your website have a contact page? I'm having trouble locating it but, I'd like to shoot you an email. I've got some recommendations for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it expand over time.

Add comment