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Do You Need Optional Coverages?

To some, optional coverages might seem like a waste of money. However, some additional coverages might be worth the extra cost.

Rental Reimbursement

If your car needed to be repaired or replaced after an accident, would you have a reliable means of transportation in the interim? Your car could be in the shop for weeks, which would leave you without a way to get to work, get the kids to school, etc. Including rental reimbursement in your coverage when you shop for fast car insurance quotes can help make sure this doesn't happen. This coverage will pay for a rental car, up to a certain amount per day, during the time your car is being replaced or repaired. Considering that a rental car could cost you hundreds of dollars, this coverage is usually a good investment.

Roadside Assistance

Many car insurers are now offering fast car insurance quotes on policies with a roadside assistance coverage option. Typically, roadside assistance covers towing, flat tires, and can even help you if you lock yourself out of your car. If you don't already have roadside assistance with your vehicle either through the manufacturer or an auto club, this coverage is probably worth the $12-$25 per year extra in premiums. Some insurers offer only towing assistance coverage, not full roadside assistance.

Stereo Equipment Coverage

If you have invested a lot of money in your car audio equipment, you should consider including stereo/CD coverage when you get fast car insurance quotes. Depending on the insurer, this coverage usually protects you from losses if your stereo equipment is stolen from your car. Some insurers even offer CD protection, which will reimburse you for the value of your CDs if they are ever stolen from your vehicle. For drivers who have aftermarket speakers, stereo decks, amplifiers, and other expensive audio or visual equipment in their vehicles, this might be a smart buy.

Be sure to also drive safely in severe weather. One wrong move could change your future forever. Read the tips given for driving in severe weather.

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