Coverage Level – Superior & Custom Auto Insurance

Non–standard car insurance can cover many different types of situations. Many drivers may need to protect a highly valued sports car, luxury vehicle, or custom built car and they will need higher maximum coverage. Other drivers may be considered high-risk due to their driving history or age, and they will pay higher premiums.

Superior auto insurance at affordable prices. It only takes a minute to find out if you qualify!

The average car insurance buyer may find that the standard buffet of insurance categories does not cover all of their needs, so they may pay for additional insurance coverage to augment their standard plan. In fact, a study by the National Association of Insurance Commissioners found that 77% of drivers choose to purchase comprehensive coverage, even though it may not be required; that's because comprehensive coverage provides valuable protection and is an excellent value, dollar for dollar.

Looking at the luxury auto insurance buyer

A superior plan may help to cover your assets if you have a superior car – such as a sports car, a luxury vehicle, or a custom built vehicle. Even if you don't have a luxury car, you may want to consider purchasing a superior level of coverage if you otherwise have high earnings and a large wealth of assets to protect.

Auto insurance for high-risk drivers

Another reason you may need to pay more for auto insurance is if you have a high-risk driver on your policy. This might simply be because you have a new driver in your household or someone under 25 years old. Age and experience play a role in determining your premiums, even if the drivers have shown good driving skills.

Other drivers who have a serious violation, a DUI, or other accident on their record may also have to buy superior coverage or pay higher premiums for average coverage. Such drivers may have a difficult time obtaining coverage from some standard insurance carriers, but may be acceptable risks to other companies, so long as they pay a higher premium. In fact, in Ohio alone, more than 1 in every 10 drivers has their license suspended, according to the Ohio Morning Journal. Drivers with suspended licenses generally have to obtain high risk coverage, and then file an SR-22 form with their state's DMV.

Additional types of auto insurance coverage

There are also certain types of non-standard coverage that you may want to consider to augment your standard plan. For example:

• Rental Car Reimbursement – Covers the cost to pay for a rental vehicle up to a certain amount (usually between $15-25 per day) if your vehicle is out of commission from a loss that is covered under your comprehensive or collision policy
• Emergency Road Service (also known as Towing and Labor) – If you lock your keys in the car, or your car breaks down, then this type of coverage will send a tow truck or other professional out to tow or repair your vehicle for you
• Reparation Benefits – Covers medical costs up to a selected amount and usually works as primary over any health insurance. Holding such a policy also excludes you from carrying a Medical Payments policy
• Work Loss – Covers any wages that you or any drivers or passengers lose if you are unable to work due to injury caused by a car accident
• Mechanical Breakdown Insurance – Most auto policies do not cover accidents or damage caused by mechanical problems. Mechanical breakdown insurance covers repairs to cover mechanical parts of the car. Usually such a policy will exclude the costs for regular maintenance or average wear-and-tear on the vehicle.

Collision coverage can be cheap! Request a quote here!

Sources
http://www.carinsurance.com/CoverageDefinitions.aspx
http://www.carinsurance.com/kb/content31812.aspx
http://www.geico.com/getaquote/auto/coverages-explained/

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: November 10, 2009