Auto insurance can be such a life-saver when involved in an accident. It protects you and your vehicle when life serves you with lemons. While standard auto insurance works, sometimes it can fall short. For this reason, Shell Insurance Agency in Deer Park, TX advises clients to consider “add-ons” to boost their basic car insurance. But since there are several add-ons to consider, we have narrowed them down to four that are well worth your cash.
Are you a high-net-worth individual? Are you at a high risk of being sued? If yes, consider umbrella insurance. This policy takes over from where your conventional liability coverage leaves off. Your car liability coverage will likely max out if faced with a significant liability claim. In such instances, umbrella insurance takes over, preserving your assets and personal savings.
Do you frequently travel long distances? Your auto insurance could use a roadside assistance add-on. This coverage saves the day when your car breaks down miles away from your residence. So, when you encounter a flat battery, puncture, or empty tank, you don’t have to make frantic calls to your friends and relatives. You need to call your insurer for help.
Zero depreciation cover
You should consider this coverage if you own a vehicle over three years old. If your car is stolen or written off after an accident, your insurer compensates you for the loss, less the depreciation factor. If you want to buy a vehicle similar to the one you have insured, you will have to fork out the difference from your pocket. However, you can cushion yourself from depreciation by purchasing “zero depreciation” coverage.
Engine protect coverage
Your standard auto insurance only covers engine damage when a covered peril destroys it; in case of an oil leak or water logging, you must purchase an add-on to cover the damage.
Would you like to learn more about car insurance? Please reach out to Shell Insurance Agency, serving Deer Park, TX, and its surrounding area.