When considering auto insurance in Albany, NY, most people are primarily concerned with getting collision, comprehensive, liability, medical payments and other essential coverage. You may not know that many insurers offer various add-ons that can further protect your vehicle. Toedt Insurance Agency LLC can help you determine what add-on coverage may be appropriate for your vehicle.
Common Auto Insurance Add-Ons
Common add-ons include roadside assistance, rental car reimbursement, new vehicle replacement, gap insurance, and custom parts and equipment coverage. Some companies include roadside assistance and rental car reimbursement as part of their standard policies. No-claim bonus protection and key replacement coverage are also popular options. These add-ons help drivers retain a no-claim premium bonus after a claim and pay for expensive lost key fobs, respectively.
Vehicle Protection Add-Ons
If you own a more expensive vehicle, you may want to consider add-ons for vehicle protection. These include:
- Zero depreciation to cover the full cost of replacement parts
- Engine protection, usually excluded from standard policies
- Consumables coverage, for small items like nuts, bolts, engine oil and more excluded from standard repair claims
Driver and Passenger Protections
These protections can offer peace of mind if an accident or theft occurs:
- Personal accident coverage, giving lump-sum payments to passengers if someone dies or is permanently disabled
- Owner/driver personal accident coverage that offers the same protection as above
- Reimbursement for keys and locks if your vehicle is stolen and later returned
You may also want to consider a provision called return to invoice, which gives you the amount of the vehicle’s original purchase price if a total loss occurs.
If you are unsure which add-ons are right for you, Toedt Insurance Agency LLC can help. We’re currently serving Albany, NY.
