When choosing your insurance coverage options, you will see the rental car service and towing coverage pop up at some point. Deciding whether to choose the coverage or decline it is a personal decision. If you are unsure if you should choose one or both, consider why rental car and towing coverage options are useful additions to your insurance policy.
Adding Rental Car Coverage
When rental car coverage is in effect, your insurance company will pay for a rental car until your vehicle is repaired or operable again.
The type of covered incidents includes accidents and other damages that are covered under your policy. One misconception that many individuals have is they believe their insurance policy will cover the cost of a rental should the vehicle need to be fixed outside of an accident.
The type of vehicle you can rent depends on how much additional coverage you purchased. For instance, your insurance company may have an option of $30 per day up to $90 per day. If the vehicle is more than your allotted amount, you will be responsible for covering the additional charges.
Adding Towing Coverage
Towing coverage provides you with the help you need in the event your vehicle breaks down. Roadside assistance is often coupled with towing coverage.
Some of the covered services include:
- Towing up to a certain number of miles
- Labor charges
- Jump starts
- Fuel delivery
- Tire changes
- Lockout services
It is important to note that some insurance companies offer towing only options. Towing only coverage provides towing services to a local repair shop within a certain distance. Some insurance companies include the cost of labor in the towing coverage as well.
Affordable Solutions to Everyday Problems
Both towing and rental car coverage options are useful to add to your insurance policy, and each is affordable. Although you may need to pay out of pocket for larger rental vehicles, your costs will be nowhere near the counter prices.
Your insurance company may include one free use to use the towing service. Just consider the harsh wintertime of being stuck and needing gas, a jump, or to be pulled out of a ditch and not having spare cash or credit available. This is covered with your month-to-month premium.
If you have an unreliable vehicle or prefer additional protection, adding the rental service and towing coverage to your auto insurance policy is recommended. For an affordable price, you will not have to worry about a thing should you need to use the service.