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Executive Order for Policyholder Payments
When it comes to protecting your vehicle, having the right auto insurance coverage can mean the difference between a stressful financial burden and peace of mind. While standard auto insurance policies cover the basics, savvy drivers know the real savings often come from the right add-ons. These optional coverages provide extra protection and save money when accidents or unexpected car troubles occur.
Below, explore 14 auto insurance add-ons that can boost your coverage and keep more money in your pocket.
Auto insurance add-ons, also called endorsements, are optional coverages you can attach to your existing policy. Though they may slightly increase premiums, they often cover costs that a standard policy does not, potentially saving you thousands in out-of-pocket expenses.
Covers the difference if your financed or leased car is totaled and you owe more than its depreciated value.
Replaces a totaled new car with a brand-new one of the same make and model, not just its current value.
Pays to replace your totaled vehicle with the same make and model one year newer for better value.
Covers towing, tire changes, jump-starts, fuel delivery, and lockout services in case of breakdowns.
Helps cover lodging, meals, or alternative transportation if your car breaks down far from home.
Covers costly mechanical repairs not included in the original vehicle warranty.
Pays for a rental car while your vehicle is being repaired after an accident.
Rewards claim-free years by gradually lowering your insurance deductible, potentially to zero.
Prevents your first at-fault accident from raising your insurance premiums.
Protects aftermarket or custom-installed parts like wheels, audio systems, and enhancements.
Pays medical bills for you and your passengers regardless of fault in an accident.
Protects you if hit by a driver who lacks sufficient or any insurance.
Covers emergency roadside services such as towing and on-site labor.
Safeguards against financial loss and credit damage if your vehicle-related identity is stolen.
State minimum liability often falls short during significant claims. Add-ons help close coverage gaps, providing better protection that fits your lifestyle. According to the Texas Department of Insurance, many add-ons can be added at any time by contacting your insurer, with coverage starting immediately and charges applied prorated Texas Department of Insurance.
Don’t wait for an accident to realize your coverage gaps. Contact us today, or call us directly at (866) 784-9785, to schedule a personalized policy review and to get in touch with the experts at Club Agency. Our experts will help identify the best add-ons tailored to your needs, securing you better protection and possible savings.
Gap insurance pays the remaining balance on your loan if your totaled car’s value is less than what you owe. Essential for financed or leased vehicles.
Yes, most insurers allow add-ons at any time with prorated charges for the new coverage period.
Roadside assistance covers emergency services like towing and battery jumps but not full repairs.
It prevents your first at-fault accident from raising your premium, typically available after a claim-free period.
