Do I Really Need All Those Car Insurance Extras?

accesoriesCar insurance can come with many types of extras, some of which you may feel are unnecessary to your lifestyle. In order to determine what is and is not necessary within your policy, you need to understand the coverage it contains and then do a little homework.

Car insurance packages often contain little extra services and options that can make life easier if they come into play at the right time. Options like free towing or roadside assistance are something you might greatly appreciate having if or when your car breaks down. Especially if you live in a rural area like Pasco, Washington (I know, I’ve never heard of it either, but I was stuck there once and needed a tow.)  If you find yourself without a car for a period of time due to an accident and need a rental, you’d be pleased to discover that the cost of the rental was covered by insurance. These types of service are nice to have, but be aware that you will pay for them one way or another. For this reason, you should know what the options are when it comes to extras.

Take the time to do the math and determine whether you are really saving money by paying a hundred dollars a year for free towing. How many times were you towed in the past year, after all? In the last three? If it costs you a hundred dollars out of pocket for one tow would you rather pay that money when you need a tow or ahead of time, just in case? These are the questions you need to ask yourself when you consider either adding or cutting so called extras in order to cut costs.

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