Have you ever noticed that it seems like today's auto insurance companies seem to offer everything but auto insurance? Life insurance, medical insurance, rental insurance, emergency roadside assistance...you name it, they've got it. And when it all looks shiny and new it's very, very tempting to sign on the dotted line just because you can.
Bragging rights aside, though, you don't really need eighteen times the insurance coverage that your neighbor has. Signing up for every additional gadget, gizmo and bonus your auto insurance provider has to offer might sound like a good idea at the time, but you're almost inevitably going to end up paying way too much each month for insurance coverage you don't really need. 1) Medical Coverage With the ridiculous cost of care among the medical community today there's no doubt that medical insurance is a must. The average emergency room visit after an automobile accident can cost upward of $3,000 by the time you're done tallying the bills from radiology, phlebotomy and the lab, the pharmacy and the doctor in charge of your care. The last thing you want to have to do after an accident is worry about how you're going to pay for your treatment. If you already have insurance, however, additional medical coverage is extraneous and unnecessary. Your regular insurance will pay for the same level of care, and since you're already paying for it each month you can put that money back into your monthly budget. 2) Emergency Roadside Assistance Okay, being stuck on the side of the road in the middle of a winter blizzard is no fun, and knowing that you have someone on hand ready and willing to help you at a moment's notice is very reassuring. There are numerous other roadside assistance programs out there that offer you the same benefits as an insurance provider, however, and most of them come with cool discounts of their own. 3) Car Rental Insurance If you're going to add any extras onto your auto insurance policy, consider making car rental insurance one of them. There's nothing quite as unpleasant as breaking down three states away from home, where you can't call anyone close to you to come rescue you, and not having a way to get home because you can't afford the sometimes exorbitant rates charged by most rental agencies. The bottom line is that while some of the benefits that come hand in hand with your auto insurance policy are nice to have, nothing's more important than making sure you get the best auto insurance coverage possible for the lowest premium available. By not doubling up on your insurance coverage you can put hundreds of dollars back in your budget every year and put your money to more creative uses than paying for your auto insurance-like traveling someplace where you can put that car rental coverage to good use!
Heather Greenberg is Director of Affiliate Relations for QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. For more information, please visit them on the web at QuoteScout.com.
Article Source: http://EzineArticles.com/?expert=Heather_Greenberg
Bragging rights aside, though, you don't really need eighteen times the insurance coverage that your neighbor has. Signing up for every additional gadget, gizmo and bonus your auto insurance provider has to offer might sound like a good idea at the time, but you're almost inevitably going to end up paying way too much each month for insurance coverage you don't really need. 1) Medical Coverage With the ridiculous cost of care among the medical community today there's no doubt that medical insurance is a must. The average emergency room visit after an automobile accident can cost upward of $3,000 by the time you're done tallying the bills from radiology, phlebotomy and the lab, the pharmacy and the doctor in charge of your care. The last thing you want to have to do after an accident is worry about how you're going to pay for your treatment. If you already have insurance, however, additional medical coverage is extraneous and unnecessary. Your regular insurance will pay for the same level of care, and since you're already paying for it each month you can put that money back into your monthly budget. 2) Emergency Roadside Assistance Okay, being stuck on the side of the road in the middle of a winter blizzard is no fun, and knowing that you have someone on hand ready and willing to help you at a moment's notice is very reassuring. There are numerous other roadside assistance programs out there that offer you the same benefits as an insurance provider, however, and most of them come with cool discounts of their own. 3) Car Rental Insurance If you're going to add any extras onto your auto insurance policy, consider making car rental insurance one of them. There's nothing quite as unpleasant as breaking down three states away from home, where you can't call anyone close to you to come rescue you, and not having a way to get home because you can't afford the sometimes exorbitant rates charged by most rental agencies. The bottom line is that while some of the benefits that come hand in hand with your auto insurance policy are nice to have, nothing's more important than making sure you get the best auto insurance coverage possible for the lowest premium available. By not doubling up on your insurance coverage you can put hundreds of dollars back in your budget every year and put your money to more creative uses than paying for your auto insurance-like traveling someplace where you can put that car rental coverage to good use!
Heather Greenberg is Director of Affiliate Relations for QuoteScout.com. Since its launch in 1996 the company has specialized in matching consumers requests for insurance quotes with multiple insurance quotes from both local agents and national insurance carriers. For more information, please visit them on the web at QuoteScout.com.
Article Source: http://EzineArticles.com/?expert=Heather_Greenberg
