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Car Insurance Part 6: Insurance extras

GasBuddy Blog -- In the last part of our series on car insurance, we'll cover the extras that some motorists like to add to their policy- such things as towing, roadside assistance, and car rental.

Now, these may seem like things you don't need- but they certainly become nice luxuries once you've needed or used them. They typically don't cost much every month, but can save you a lot of headaches and bills if you have more than a claim or two every year.

Rental reimbursement will pay for your rental car if your vehicle is damaged or stolen. Basically, until your car is done being repaired, you get a rental. If the car is stolen, you can drive the rental until you've determined your next car and the insurance settles your claim. Make sure...

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Submitted Aug 27, 2010 By: PD

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derKraut Champion Author Ontario Posts:1,669 Points:848,795 Joined:Dec 2008	Message Posted: Sep 2, 2010 12:30:36 PM Ignore derKraut Report Abuse Yup - have all of the aove.
OHMS Champion Author Orange County Posts:10,797 Points:1,250,520 Joined:May 2005	Message Posted: Aug 31, 2010 1:21:09 PM Ignore OHMS Report Abuse extras can be significant if your car is not covered for say; flood damage. You are paying to bet it will happen; they are betting that it won't happen.
10k Champion Author North Carolina Posts:16,595 Points:1,787,870 Joined:May 2006	Message Posted: Aug 27, 2010 11:36:21 PM Ignore 10k Report Abuse who can afford the extra perks ??..
Bus561 Champion Author Lexington Posts:14,076 Points:2,753,105 Joined:May 2004	Message Posted: Aug 27, 2010 11:32:35 PM Ignore Bus561 Report Abuse What is the big deal? If people want these extra perks on their insurance and can afford it, more power to them.
giro All-Star Author Nevada Posts:974 Points:394,675 Joined:Jun 2009	Message Posted: Aug 27, 2010 11:29:24 PM Ignore giro Report Abuse "towing and roadside assistance are cheaper with AAA" With our State Farm policies, it's much cheaper to pay $6 twice a year, for each vehicle, than the $70 AAA membership. I don't get free maps out of it, or discounts at places, but just in terms of towing and lockout instances, it is cheaper.
vulcan96 Champion Author Ohio Posts:21,169 Points:2,639,595 Joined:Aug 2004	Message Posted: Aug 27, 2010 11:27:35 PM Ignore vulcan96 Report Abuse There has been a lot of good information there, thanks for sharing that with us.
Blue_Cruzer Champion Author Lexington Posts:5,152 Points:1,202,725 Joined:Mar 2007	Message Posted: Aug 27, 2010 11:21:44 PM Ignore Blue_Cruzer Report Abuse Different strokes for different folks.
ssect8 Champion Author Hartford Posts:5,614 Points:1,663,705 Joined:Jun 2006	Message Posted: Aug 27, 2010 11:20:22 PM Ignore ssect8 Report Abuse Anything to make money for the insurance industry.
cudatim Champion Author San Antonio Posts:2,186 Points:1,081,855 Joined:Jan 2007	Message Posted: Aug 27, 2010 11:19:06 PM Ignore cudatim Report Abuse OK, thanks for the info.
CobraLeader Champion Author New Jersey Posts:267,902 Points:1,200,750 Joined:Apr 2007	Message Posted: Aug 27, 2010 11:19:03 PM Ignore CobraLeader Report Abuse ... Towing and road service is provided as part of the Hyundai 100,000 mile warranty. ...
915Chief Champion Author San Diego Posts:6,061 Points:1,203,245 Joined:Aug 2008	Message Posted: Aug 27, 2010 11:18:52 PM Ignore 915Chief Report Abuse love this series....
andytom Rookie Author Oregon Posts:70 Points:637,500 Joined:Sep 2008	Message Posted: Aug 27, 2010 11:17:51 PM Ignore andytom Report Abuse Good set of articles on what car insurance covers.
TheSicilian Champion Author Jacksonville Posts:3,026 Points:1,003,300 Joined:Feb 2009	Message Posted: Aug 27, 2010 11:15:53 PM Ignore TheSicilian Report Abuse towing and roadside assistance are cheaper with AAA
bbreff Champion Author Atlanta Posts:7,647 Points:2,129,065 Joined:Jun 2005	Message Posted: Aug 27, 2010 11:15:08 PM Ignore bbreff Report Abuse Insurance - a necessary evil.
TFowler513 Champion Author Memphis Posts:2,582 Points:978,110 Joined:Mar 2008	Message Posted: Aug 27, 2010 11:14:27 PM Ignore TFowler513 Report Abuse Again, a necessary evil!!!
NO_SWEAT Champion Author Toronto Posts:2,308 Points:673,045 Joined:Jul 2008	Message Posted: Aug 27, 2010 11:11:56 PM Ignore NO_SWEAT Report Abuse Insurance, one of the few businesses that keep making money - Recession or not.
tedjm1 Champion Author New York Posts:3,540 Points:389,685 Joined:Dec 2006	Message Posted: Aug 27, 2010 11:10:49 PM Ignore tedjm1 Report Abuse Intersting series.
REKEY Champion Author South Carolina Posts:6,211 Points:1,234,555 Joined:May 2008	Message Posted: Aug 27, 2010 11:10:22 PM Ignore REKEY Report Abuse My towing has paid off on my cars since they are older.
faulkc05 All-Star Author Atlanta Posts:562 Points:193,540 Joined:Jun 2008	Message Posted: Aug 27, 2010 11:07:58 PM Ignore faulkc05 Report Abuse All these things have saved me money, in all occasions, especially the car rental. I was in an accident and my insurance company paid for a rental for nearly a month until the settlement was established.
humblepie Champion Author Toledo Posts:13,636 Points:1,904,470 Joined:Mar 2006	Message Posted: Aug 27, 2010 11:04:32 PM Ignore humblepie Report Abuse how riveting
outlaw329 Champion Author Austin Posts:5,283 Points:931,625 Joined:Aug 2008	Message Posted: Aug 27, 2010 11:00:29 PM Ignore outlaw329 Report Abuse Insurance is a scam that is a must for todays driving, sort of like the IRS.
FlyNFool Champion Author South Carolina Posts:5,955 Points:1,222,280 Joined:Aug 2008	Message Posted: Aug 27, 2010 10:57:48 PM Ignore FlyNFool Report Abuse Biggest scam artists!
serrog Champion Author Nova Scotia Posts:3,303 Points:1,052,935 Joined:Oct 2008	Message Posted: Aug 27, 2010 10:54:32 PM Ignore serrog Report Abuse Racketeers?
jjjleblanc Champion Author Rochester Posts:4,349 Points:1,100,475 Joined:Jun 2008	Message Posted: Aug 27, 2010 4:33:54 PM Ignore jjjleblanc Report Abuse I can't wait for part 7.
BMW2014 Champion Author Toronto Posts:1,794 Points:364,300 Joined:Jun 2010	Message Posted: Aug 27, 2010 1:39:13 PM Ignore BMW2014 Report Abuse Good information.
JOHNNY95206 Champion Author Stockton Posts:2,780 Points:306,380 Joined:May 2008	Message Posted: Aug 27, 2010 1:35:47 PM Ignore JOHNNY95206 Report Abuse Roadside is always a good thing, And I alway hope I don't have to use it.
gs7101 Champion Author San Antonio Posts:3,203 Points:245,355 Joined:Jun 2009	Message Posted: Aug 27, 2010 12:37:25 PM Ignore gs7101 Report Abuse I always keep towing on my policy; it does come in handy if you need to have your car towed.