Getting out of the routine and the stress of making ends meet is very trying. But a long road trip is a great way to get rid of that stress. Your car’s gas tank is filled to the brim and the GPS is ready. However, there is one small thing you need to pay attention to before you start. You may need to consider special auto insurance for road trips.
Your general car insurance policy is not adequate if you plan to take your car on a long road trip. There are a few additions you need to make sure your relaxing trip doesn’t turn into a stressful mess of financial loss.
Let’s take a look at all the things you need to know and get for your car insurance policy to make it capable of taking long car trips.
Increase your minimum coverage limit
Each state has its minimum coverage limit. This is the amount your car insurance policy (liability insurance coverage) should be able to pay in the event of an accident. Having a coverage amount below the limit imposed by the state is not only illegal but very dangerous.
And there’s more. Most of the time, the state’s minimum coverage limit isn’t enough to cover the full cost of a traffic accident. If so, you will have to pay the remaining amount out of pocket. This, my friend, is really bad news.
It is recommended that you increase your minimum coverage limit well beyond state requirements when you are on the roads for long periods of time. Not only does driving increase the risk of an accident, but driving on the highway, off-road and on unfamiliar roads will increase the risk and extent of damage from the accident.
Don’t be stuck paying hundreds of thousands of dollars out of pocket. Increase your minimum coverage limit and stay financially secure.
Long road trips are the only time we recommend you get roadside assistance. Roadside Assistance is a supplement to your existing car insurance policy. It adds extra features suitable for people who travel long distances to your coverage.
Roadside assistance typically includes towing and winching services, flat tire replacement, refueling, jump starting, and more. can’t change. Roadside assistance doesn’t cost too much. It’s definitely worth it when you plan on taking long road trips.
Uninsured/Underinsured Motorist Coverage
There are no familiar faces on the highway or on the roads, just passers-by and strangers who are fleeting. Beyond this poetic description, there is a real risk of losing a lot of money if you have an accident on a highway.
Cases of hit and run are very common when it comes to long road trips. And, the person who hits your car won’t be very considerate about stopping and paying for your car’s repairs or medical treatment.
This is why it is imperative to obtain a cover policy for uninsured/underinsured motorists. In the event that the other driver is uninsured or underinsured (their limit of liability is insufficient to cover the cost of repairs or medical treatment), you may claim your uninsured/underinsured motorist coverage policy. insured. It can also be claimed in hit-and-run accidents.
UM/UIM can be a bit pricey. So, be sure to compare as many insurance companies as possible and pick the one that offers low rates on their car insurance policies. Also, have a decent coverage limit, as you also need to consider the cost of medical treatment (if you don’t have a medical insurance policy).
Get Collision and Comprehensive Coverage
You may already have a collision insurance policy and a comprehensive insurance policy. But if you don’t, or you only have one, it’s best to have both before you start your road trip.
Collision insurance will cover the cost of repairing damage to your car. This also includes damage due to potholes, collisions with a tree, etc. You will drive into uncharted territories. You never know if the roads you’ll encounter will be as smooth as marble or as rough as a hedgehog’s back.
Full coverage may not be so important if you keep your car in a garage that looks like a bunker. But when you’re out in the open, anything can damage your car, from galloping deer to little rats.
Not only that, but comprehensive coverage also covers the cost of repairing damage from natural disasters like hailstorms (which includes windshield repair), fires, earthquakes, floods, and even the vandalism, riots, theft, etc. Comprehensive insurance is essential if you want to ensure that your car is properly insured against almost all possible damage.
Are you considering Mexico?
Many people in the United States are considering crossing the border, either north or south. If you are visiting Canada, your existing car insurance policy would be fine. But if you plan to travel to Mexico by car, you will need to purchase Mexican car insurance in addition to car insurance for road trips.
Many US car insurance companies like Geico offer Mexican car insurance policies through their partners. But you can always choose other, more affordable car insurance policies online.
Since you will only be visiting the country for a few days, it is better to choose any car insurance policy with a validity of 6 months. This will reduce costs while providing you and your car with adequate coverage.
But if you plan to visit the country for a day or a few days, it is better to rent a car somewhere near the border and buy a rental car insurance policy that charges daily. It would help you save a lot of money.
There is no specific car insurance policy for road trips, but you should adjust your car insurance policy to perform better for long trips. Follow these practices and have a stress-free road trip.