As you hear the sickening sounds of glass breaking and metal bending, you know your vehicle is going to require repairs. Fortunately, insurance on your automobile helps cover expenses associated with accidents and other unanticipated events. Utilizing options that go above and beyond the minimum amount of car insurance is a simple way to make your life easier.

Collision

Even experienced drivers make mistakes that result in an accident. With collision coverage, your vehicle repair expenses or the entire value of the car are covered. This coverage kicks in even if you are considered at fault for the incident.

Comprehensive

You do not have to be on the road for your car to be damaged. If a severe storm rolls through your area, chunks of hail can wreak havoc on your automobile while it sits in your driveway. Comprehensive insurance safeguards your vehicle against occurrences other than a traditional vehicular accident, such as damage or loss related to weather, animals, and thieves.

Pet Insurance

If you frequently travel with your furry companion, it is likely that your auto insurance policy does not cover necessary veterinary care after a collision. Adding a rider or selecting a policy that includes medical care for your pet guarantees that you are able to help Fido recover without worrying about how you are going to cover the bills.

Vanishing Deductible

If you go years without having an incident, selecting a policy with a vanishing deductible rewards you for your safe driving. The next time that you do need to utilize your collision or comprehensive coverage, your deductible is waived, making the process less financially stressful.

Rental Car Coverage

When your car is in the shop, rental car coverage provides you with a set of wheels so that you do not have to scramble to find rides to work, school, or appointments. This coverage reimburses you for a specified amount of your rental costs. Having this expense covered also helps when your car is a complete loss. You have a temporary means of transportation while you search for a vehicle that meets your requirements.

Gap Insurance

If your car is a complete loss, your insurance company can only cover the value of the car. If you financed your car, you still have to pay the full amount of your loan. Drivers may find they owe more than their car is worth. Gap insurance covers the difference between your car's value and the loan amount, potentially saving you thousands of dollars.

Though car insurance is a necessity for any driver, many benefit from incorporating additional types of coverage. Customizing your policy to integrate riders that benefit your personal situation ensures you have the coverage that is right for you. For more information, contact a business such as Illinois Automobile Insurance.