If you want to make sure you are able to get everything you need out of your auto insurance coverage, you need to think beyond the minimum coverage you need in your state. You need to make sure that your insurance coverage will provide you with the protection and support you will need financially should you get into a serious accident or cause a serious accident.
#1: Increase Your Bodily Injury Limit
The bodily injury limit that you are required to carry by state law in most states is not that high. A basic bodily injury coverage limit is $50,000 per person with $100,000 max per accident. That may sound like a lot of money, but keep in mind a simple trip to the emergency room can often cost thousands of dollars. If one or more people were seriously injured in a car accident, a $50,000 per person/ $100,000 per accident could leave a lot of bills unpaid.
In order to ensure that you, your passengers, and anyone in another vehicle who is injured due to your accidents can get the medical care they need to be paid for during an accident, you may want to increase your limits to $100,000/$300,000 or $250,00/$500,000. You may pay a little more for this type of coverage, but you also have the peace of mind that should you get into an accident, all medical bills will be covered.
#2: Emergency Roadside Assistance
It is smart to have emergency roadside assistance, either through a standalone policy or through your insurance company. Emergency roadside assistance usually covers a couple of incidents for free for each six-month policy period, with additional incidents charged to your regular insurance bill. When you have a flat tire or run out of gas, or have a dead battery, you can just give your insurance company a call and ask them to send out some roadside assistance. You don't have to worry about coming up with the money to pay a tow truck driver on the spot, you can rest assured that if you have a roadside emergency, you already have the coverage you need.
#3: Always Ask About Discounts
Finally, always ask about the different types of discounts that the insurance company offers. Find out if they offer discounts for any professional memberships. Find out if you can get a discount by combining insurance policies, maintaining a good driving record, or for staying accident-free for a set number of coverage periods. Many insurance companies offer a variety of discounts if you just ask for them.
The next time you renew your insurance policy, be sure to contact companies like Angel Auto Insurance.