Cheap Liability Insurance
Other Auto Insurance Coverages to Consider
Sometimes getting the best car insurance means adding extra coverage in order to get more protection or guard against unexpected out-of-pocket expenses.
Here are some other auto insurance types to consider.
- Accident forgiveness keeps your car insurance rates from going up after an accident..
- Gap insurance is designed to protect you if you owe more on your car than it is worth If your car is totaled, the normal insurance payout for the vehicle could be much less than your balance. Gap insurance pays the difference.
- New car replacement will pay to replace your car with a similar new car, rather than compensating you only for the depreciated value of your car. New car replacement coverage rules can vary among insurers for what qualifies as a “new” car so check the details.
- Usage-based insurance has the potential to reduce your car insurance bill if you’re a good driver. This typically means you don't regularly hard brake, accelerate rapidly, drive in the wee hours of the morning, and other factors. Usage-based insurance programs use either an app on your phone or a device that plugs into your car to track your driving habits.
- Vanishing deductibles reduce your deductible every time your policy renews. Normally, if you have a claim, your insurance check will be reduced by your chosen deductible. With a vanishing deductible your out of pocket deductible is reduced by as such as $100 every year you don’t make a claim.
