Reviewing Your Auto Insurance Coverage Options

SUNNYVALE — One mistake many vehicle owners make is overlooking their auto insurance coverage options. A lot of people just go with the most basic coverage, but there are several additional options that can benefit policy holders.

One worthwhile option is getting an OEM endorsement: a clause on your policy that ensures aftermarket parts won’t be used to repair your vehicle. This policy clause is key for newer and leased vehicles. For newer cars, OEM parts are recommended to maintain the vehicles’ long-term integrity, and leased vehicles are required to have OEM parts when they’re returned to the dealership.

It’s also wise to look at your policy’s deductible and make sure it’s an appropriate amount. In the event of a collision, a higher deductible will lead to higher out-of-pocket costs, whereas a lower deductible will lead to lower out-of-pocket costs. By considering the age and value of your vehicle, you can choose a deductible that makes sense and will minimize your out-of-pocket expenses.

Other auto insurance coverage options to consider are rental and towing coverage—two affordable add-ons that can benefit you in the event of a collision. Overall, by taking the time to review your options, you can make sure your policy is giving you the most value and benefit for your money.