Car Insurance Updates You Need This 2022

​When you purchase your auto insurance, you're buying a package of coverages that together make up your policy. However, your insurance may not offer all of the coverages you require. That is why it is vital to understand the various forms of auto insurance add-ons and how they are used.

As a result, these are the upgrades you may want to obtain to get the protection you need. But first, you need to know what a car insurance add-on is.

What is Add-on Coverage?
An add-on cover is a type of automobile insurance that allows you to improve the coverage level of your vehicle by acquiring additional protection. As a car owner, it enables you to improve your automobile's financial security beyond the normal insurance coverage. As a result, it extends your automobile insurance policy's coverage.

What Is Comprehensive Car Insurance?
Comprehensive insurance covers costs for replacing or repairing your car if it is damaged or stolen in a non-collision occurrence. It is sometimes known as "other than collision" coverage, which generally includes damage caused by fire, vandalism, or falling items (like a tree or hail).

This coverage specifically covers the following:

Vandalism
Theft
Fire
Damages caused by fallen objects
Damages caused by animals to your vehicle
Natural calamities (like a hurricane or a tornado)
A civil commotion (like a riot that results in damage or destruction of your car)

Some Types of Add-on Coverage
Auto insurance plans come with a variety of add-on coverage options. Consider the following types of add-on coverage available under a comprehensive or independently owned insurance policy:

1. Zero Depreciation Add-On
   With Zero Depreciation Add-on Coverage, the value of depreciation that applies to your vehicle and its parts is deducted from the claim amount when paid. A zero depreciation insurance relieves you of the worry of having to pay for your vehicle's depreciation, allowing you to recover more money.
2. Engine Protection Add-On
   The 'Engine Protection' add-on policy, on the other hand, can cover any damage or loss to the car's engine as a result of problems like water infiltration, oil spills, electrical or mechanical engine breakdowns, and so on. Moreover, it offers financial assistance if the car's engine or parts need to be replaced.

Conclusion
For a small fee, policyholders can purchase add-on coverage, which gives additional insurance coverage. Additionally, these insurance coverage extensions make it easier for you, as an automobile owner, to cope with a variety of problems. 

At Priority Insurance LLC, 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 (864) 297-9744 or Click Here to request a free quote. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!