The Many Benefits Of Roadside Assistance

Things You Need to Know Before Buying Car,House, Health & Life Insurance online.

Insurance Buying Tips #1: Shop smart
When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
Insurance Buying Tips #2: Look for discounts
Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
Insurance Buying Tips #3: Fill in the gaps
An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

While it is certainly nobody's idea of fun, the chances of encountering a problem or two with your vehicle at some stage in your life are very high indeed. This is just one of the reasons why it is wise to ensure that the roadside assistance benefit is included in your car insurance policy.

What is roadside assistance?

Roadside assistance refers to the assistance that your vehicle insurance provider will offer you if you ever find yourself stranded on the side of the road as a result of a flat tyre, engine problems etc. An expert will be sent to help you remedy the situation and will either assist you in repairing the damage – if it is a minor issue – or will organise the towing of your vehicle for you.

Whether you know your way around an engine or not, having the option to contact your insurer for roadside assistance should you ever need it is always a plus. You can get in touch with your insurer and make use of your roadside assistance benefit if you ever need help with the following:

Insurance Buying Tips #4: Purchase life insurance—you aren’t too young
Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.
Insurance Buying Tips #5: Talk to an independent agent
An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.
Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living
You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.
  • Changing a tyre,
  • Emergency fuel replacement,
  • A battery that has gone flat,
  • Getting your keys out if you have locked them inside your vehicle,
  • Towing your car to the nearest repairs service provider,
  • Safe storage of your vehicle (usually up to 48 hours depending on your insurance provider).

Most car insurance companies will also provide you with transport assistance should you ever find yourself stranded on the side of the road and you are more than 100 kilometres away from home. If the distance is really far, the insurer might also provide you with hotel accommodation whilst you organise an alternative vehicle or lift.

Obviously, the main benefit of roadside assistance is the fact that you never have to panic should you experience a mechanical failure, or something similar, whilst driving your vehicle. You will be well aware that help is just a phone call away. What's more is that most car insurance roadside assistance is available 24 hours a day for your safety and convenience. In addition, you will not have to pay anything when you utilise your roadside assistance benefit (unless you require emergency fuel – the cost of the fuel itself will be payable by the individual insured). However, it is extremely important that you chat to your insurance provider about their unique roadside assistance offering in order to ensure that you are up to date with regards to the way in which this service operates. Also be sure to read through your motor insurance policy thoroughly so that you are aware of any costs or rules surrounding your personal use of the roadside assistance service.

Be safe out there!

Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover
Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.
Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier
here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.
Insurance Buying Tips #9: Review your insurance needs on a yearly basis
As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.
Insurance Buying Tips © 2017 Frontier Theme