New cars aren't getting any cheaper, and when you borrow or save enough to buy a new car, you want it to last a long time. It's an investment after all. As a result, a number of purchasers of new cars decide to outfit them with the most detailed forms of car insurance they can buy. Alternatively, some people rely on their cars for everything on a daily basis and simply can't afford to be without their cars or alternate means of transportation.
Comprehensive car insurance policies are designed to offer peace of mind for people who want to protect their cars and for people who rely on their cars every day. Here are 5 comprehensive car insurance policy extras that you should have thrown in when you decide to purchase a new comprehensive car insurance policy. The five extras to include are replacement car keys, car content coverage, windscreen cover, courtesy cars, and free roadside transportation.
1. Replacement car keys
If you've ever locked your keys out of your car, you know what a hassle it can be and how much stress it can quickly add to your day. If you don't have a spare set somewhere close at hand or know someone who does, your only options become trying to pick the lock yourself, which rarely works unless you know what you're doing, or calling the local authorities or a locksmith to help you.
The police might not be available or might not have the tools, and locksmiths cost far more than most people want to pay. As a result, it's worth including this particular extra over just about any other when it comes to comprehensive car insurance coverage, as it's just too easy to find yourself stranded due to a split second mistake like locking yourself out of your car.
2. Car content coverage
While it would be nice not to have to worry about protecting the things inside your car, the truth is that there are people who will do what they can to rob you if they happen to pass your vehicle. There are all sorts of things a burglar could covet, including clothing, CDs, mp3 players, and cell phones. While it isn't always possible to keep people from taking things that don't belong to them, you can protect yourself by investing in insurance that will help you replace your valuables if they are stolen.
3. Windscreen repair
Windscreens are surprisingly delicate pieces of machinery. While windscreens typically will not shatter if they are hit by debris, they can certainly develop hairline cracks that can make it difficult to see at best and quite dangerous in the worst case scenario. Windshields are also expensive to replace or repair, which is why it makes sense to throw windscreen repair in as an extra when you decide to buy comprehensive car insurance coverage.
4. Courtesy cars
No matter how good one's driving skills, maintenance habits, or mechanic is, it's a fact of life that one day or another, your car will probably eventually break down, leaving you without anything to drive until it has been fixed. Investing in a courtesy car extra in your comprehensive car insurance cover can keep you from being stranded without a car while you wait for your main vehicle to be repaired. This is an essential element of cover for people who use their cars on a daily basis for work.
5. Free roadside transportation
Finally, while you can't always prevent your car breaking down, you can invest in cover to give you free transportation to the nearest garage or to your home so you can start putting your day back together if your car breaks down.
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