What benefits should I seek out when choosing vehicle insurance in Burlington, North Carolina?

When you decide to buy vehicle insurance in Burlington, North Carolina, you should understand that policies can vary greatly depending upon the types of benefits you want. Auto insurance laws in the state of North Carolina make it mandatory that you carry a minimum amount of bodily injury and personal liability coverage. If you finance your vehicle, the finance company may also insist that you have further coverage in case the car is damaged or stolen.

Choosing the right auto insurance coverage depends in large part on meeting those requirements, but there are additional benefits that you might seek. For instance, while it is not mandatory by either the government, city of Burlington, or any lender that you purchase rental car reimbursement coverage, you may decide that it is worth spending the few extra dollars for that additional protection.

If, you get in an accident and need to rent a car for a week until your car is repaired, your rental car coverage will reimburse you for the cost. Each policy is different and will detail the maximum amount per day that the insurer will pay when you qualify for a car rental under the terms of the auto policy.

Many people seek to have greater protection than the minimum coverage provides. The benefits of having more liability coverage than mandated will usually outweigh the additional cost, especially if you have more assets that could be at risk if you are liable in a major car accident.

If you want to purchase towing coverage in case your car is disabled and needs to be taken to a service station or body shop. This is not an expensive ad-on and can save you money in the long run.

You should know all of your options before buying any policy. For more information about all of the available benefits you can get when choosing an auto insurance policy, give us a call and speak to an independent agent.