As a driver in the  Albany, NY area, you know that certain types of auto coverages are required by state law. What drivers often miss when purchasing an auto policy, are the various add on policy options that can provide additional coverage to drivers and their passengers. The agents at the NY Twin Bridges Insurance Agency have put together a list of essential policy options that one should consider when purchasing an auto policy. 

Collision Coverage 

Although your policy will cover damage to other peoples’ vehicles when you are at fault in an accident, it does not cover damage to your car. Collision coverage will cover the cost to repair or replace your vehicle after an accident. If you own an expensive luxury car, this is an essential add on to consider. 

Emergency roadside coverage 

Breaking down on the side of a highway at night can be scary. Emergency roadside coverage will give you the peace of mind that you will be assisted quickly.

Rental car coverage 

In the event your car is in an accident and has to go into the body shop for repair, rental car coverage will reimburse you for the cost of the rental car. 

Rideshare coverage 

If you are a driver for one of the rideshare companies, it is critical to consider this valuable coverage. The coverage provided by your company typically only covers you when you are on a trip with a customer. However, rideshare coverage will cover you in the event you are logged into the application waiting for your next pick up request. 

Pet coverage 

If you ride with your pet, often, you may want to consider pet coverage. Pet coverage will help with the vet bills in the event your pet is injured in an accident. 

If you are interested in learning more about auto insurance, reach out to an agent at the NY Twin Bridges Insurance Agency today. We proudly serve the Albany, NY area.