Car insurance can feel overwhelming with all the extra options that salespeople offer. You might be tempted to add every possible feature just to be safe, but not all of them actually bring value to your policy.
Knowing which add-ons you really don’t need can help you avoid wasting money on unnecessary coverage. This article will break down some common add-ons that often aren’t worth the extra cost, so you can make smarter decisions for your insurance.
Roadside Assistance when you already have a reliable AAA membership
If you already have a solid AAA membership, adding roadside assistance through your car insurance might be overkill. AAA offers nationwide coverage with thousands of service vehicles, so help is usually quick and reliable.
Using both services could mean you’re paying extra for something you don’t really need. Plus, your AAA membership often covers you even if you’re driving someone else’s car or a rental.
So, unless you want a backup plan or extra perks, sticking with AAA alone can keep things simple and cost-effective.
Rental Car Reimbursement if you rarely rent cars
If you don’t rent cars often, adding rental car reimbursement to your policy might not be worth it. This coverage only kicks in if your car is being repaired after a covered claim, not for everyday errands or vacations.
You’ll pay extra on your premium, usually for something you rarely use. Instead, consider if relying on rideshares or public transport during repairs works better for you. Save the add-on for when you know rental cars are part of your routine.
Duplicate Glass Coverage if your policy already covers windshield damage
If your current car insurance already includes comprehensive coverage, it probably covers windshield damage. That means buying extra glass coverage might be unnecessary.
Some policies even waive deductibles for windshield repairs, so you wouldn’t pay extra anyway. Adding duplicate glass coverage could just be a way to spend more money without real benefit.
Check your existing policy carefully before opting for additional glass insurance. You might find you already have enough protection for cracks, chips, and replacements.
Accident Forgiveness if you’re a safe driver and don’t expect claims
If you’re someone who rarely gets into accidents, accident forgiveness might not be worth the extra cost. You probably won’t need it if claims aren’t on your radar.
This add-on is designed to prevent your rates from jumping after a first accident, but if you never file, you’re essentially paying for peace of mind you don’t end up using.
Sometimes, accident forgiveness comes free after a period of safe driving. Still, if you expect to keep your record clean, you might skip this and save some money.
Key Replacement if your car uses a basic key rather than a smart key
If your car uses a basic key, replacing it is usually simpler and cheaper. You often don’t need any programming, so a local locksmith can cut a new key for you quickly.
Since basic keys lack electronic chips, the process avoids the added cost of programming or syncing with your car’s system. This makes it a straightforward option if you lose your key.
Just keep in mind, even though it’s easier, you should still have a spare handy. It saves you from unexpected hassles later.
Pet Injury Coverage unless you regularly travel with pets in your car
If you don’t often drive with pets, adding pet injury coverage is probably unnecessary. This add-on helps cover vet bills if your pet gets hurt in a car accident, but only if they’re actually in the car.
For most people who rarely have animals riding along, this coverage won’t be used. It’s better saved for those who travel frequently with dogs or cats. Otherwise, it’s an extra cost without much benefit.
Rental Coverage for Vehicles You Don’t Rent Often
If you only rent cars occasionally, buying insurance every time might not be the best move. Your personal auto insurance or credit card often covers rentals, so check those first.
If your coverage is limited or doesn’t apply, look into non-owner car insurance. It’s a handy option for people who rent now and then without owning a car.
This way, you avoid paying for extra insurance at the rental counter when you don’t really need it. Save money by knowing what you’re already covered for.
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