Did you know there are other features to your car insurance policy? Regardless if you need car insurance Garden Grove CA or sr22 insurance quote, anywhere in California. Knowing these features may save you more than just money.
These features are policy options that you can add to your existing automobile insurance policy.
These options are not available with every company so make sure to ask.
Let’s dive right into these features and options. These features will be listed on your vehicle coverage forms.
Review your declaration page to gain better insight into your auto policy structure.
This always helps to be informed. Especially, if you are looking at coverage outside of just auto insurance.
The first policy option is funeral benefit.
Another option is gap coverage. This protection will pay for the difference between what you owe and the actual value.
For example, let’s say that you buy a vehicle that is worth 25 thousand, blue book value.
Gap in Coverage Action
This is where gap protection for insurance quotes auto comes into play. Most people think that there car insurance policy will take effect. This is not the case however.
Gap, just like it sounds, fills in that coverage lapse, giving you full protection. Your investment is safe and covered.
With the rise of people leasing vehicles, this protection has become more in demand.
With that said, it has become more popular and more available with carriers
Knowledge Base System
If you still have questions about gap coverage, check in with your dealership.
The dealership where you bought your car can offer you gap insurance programs. Not all auto dealers offer this type of coverage.
Research Behind the Scenes
If you have any reservation about buying online, you can always do a basic google search on the company.
Loss of Income Protection
Another less know option is income loss. Income loss will protect you if you become injured in an accident and can not work.
This feature would pay the amount of your take home pay. Keep in mind that payments will only last for a short period of time.
This protection will still pay out regardless if you have a disability policy.
But, any other disability protection you have will not kick in until this protection ends.
Remember, coverage was not meant to make a profit on. It is to make you whole again, like you were before a loss or accident.
This is the purpose of coverage.
Rental replacement coverage is a more common feature most people may know about.
Remember, rental coverage is not the same thing as loaner protection.
This is a common misconception. If your vehicle breaks down due to mechanical failure, this coverage would not kick in.
Rental protection will take effect when your involved in an accident.
If the accident is not your fault, the other parties carrier would provide coverage.
Mechanical or Electrical Issues
The coverage would pay a set amount for a rental. This amount can start from 15 dollars a day to a maximum of 450 dollars.
So, just to recap this coverage. If your involved in accident and you need repairs than a rental would be provided.
Electrical issues or internal mechanical issues will not justify coverage.
Your warranty on the vehicle would cover this malfunction.
Towing and Labor Costs
Towing and labor cost is another policy option. This coverage will pay for towing and road side service.
If you need a jump start or help changing a flat tire, this coverage would kick in.
Variations to Features
Having said that, there are different variations to towing coverage.
Not all rental programs are the same. Some will only provide this coverage if it’s in your possession.
Stacking is the another optional addition on your policy. This coverage will allow you to multiply the amount of coverage.
This coverage applies to your uninsured or under-insured protection.
The number of vehicle on your policy will determine the coverage. The number of insureds on your policy can also be a factor.
So, to recap, stacking applies to the number of autos and people on your policy.
People would mean insureds. If you have members of people living in your household, they are either excluded or included.
You will get a notice from your carrier to add or exclude from policy.
California State Specific Insurance Coverage
Stacking coverage is not available in all states. This coverage has reported abuse in people putting in many claims.
This is reason that not all states allow this practice.
Outline of Policy Coverage
On another note, you may find one company who offers a great feature but not a necessary one.
You want to make sure to review exactly what coverage options and features you need.
These are standard policy forms. These form will cover specific options and features on the program.
If you are looking for a specialty feature, make sure to shop for a market to serve you best. Many markets within the market exist.
Some of these specialty programs can offer you complete protection at low cost rates.
Not all providers are the same. Education is key and comparing programs is a must. You need the right information to make the best decision.
This process should be easy and affordable. Service is a priority and helping people stay protected is our top concern.
Comparing coverage and price is important.
If you need help finding a special policy feature or program contact us. We can help find the best car insurance policy features.
Need sr 22 insurance, no problem, we got you covered.