5 Essential Add-ons to Any Auto Insurance Policy

​Purchasing a car has become much easier these days. That’s because of increasing salaries, multiple financing options, and attractive discounts. However, it’s not enough that you know the right kind of car for you. You should also know the add-ons you need for your auto insurance. Here are five of the most essential. 

Zero Depreciation
If you're buying your first car, the zero depreciation cover is essential to you. At the time that you're making a claim, the car insurance provider can handle all the costs of the repair without considering the depreciation factor. This is an ideal choice if you want a smooth settlement of your claim with your insurer. However, you need to purchase a new zero depreciation cover if you have another new vehicle.

Engine Protection
As the most essential part of any vehicle, the engine needs adequate protection. You can protect the engine with this protection rider. This is important especially to those who live in areas that are prone to incidents of waterlogging. Repairs for damages from water logging usually burn a big hole in your pocket. Protect your finances from the cost of repairs with an engine protection rider.

Roadside Assistance
This coverage is useful if you get stranded in the middle of nowhere because of an engine breakdown or a flat tire. The solution to this is very difficult because the location could be a remote one. However, if you have a roadside assistance rider, you can take advantage of your insurer’s towing services. If you don’t have this rider, then the cost of a mechanic and other battery issues may drain your savings.

Enhanced Owner Personal Accident
No matter how carefully you drive, accidents may still happen. In fact, seeking treatment for injuries can be very expensive. Thus, in order to protect yourself against such financial constraints, you need to purchase an enhanced owner personal accident rider. This can cover expenses for partial disability. However, it won’t pay claims if you were drinking before the accident.

No Claim Bonus (NCB) Protect
If you haven’t made any insurance claims for one policy year, then you can claim your NCB discount from your car company. The NCB protect can provide benefits for you depending on your car company specifications. 

Some Final Words
Your car must be very important to you. You need to enhance it with useful add-ons depending on your personal circumstances. Remember that it’s always better to be safe than sorry. When you choose an add-on to your auto insurance, you’re giving yourself so much benefit.

At Cornerstone Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.