Our Location: Phoenix (AZ)

We offer valleywide mobile windshield replacement services. 

Se Habla Espanol

A Look into Auto Insurance Add-Ons


Auto insurance is vital to responsible car ownership, offering financial protection in accidents, theft, or damage. While standard auto insurance policies provide essential coverage, various add-ons or endorsements allow policyholders to customize their security further. These add-ons can enhance coverage in specific areas, providing additional benefits and peace of mind. This article will explore some common auto insurance add-ons and their benefits, helping you make informed decisions about your insurance needs.

Roadside Assistance 

Roadside assistance coverage is one of the most popular add-ons for auto insurance policies. This add-on assists with vehicle breaks down, helping with changes, jump-starts, fuel delivery, and lockout assistance. Roadside assistance ensures that you won’t be stranded on the side of the road in case of mechanical failures or emergencies, providing convenience and peace of mind.


Roadside assistance is a popular auto insurance add-on, with a study by AAA revealing that more than 40 million drivers in the United States used roadside assistance services in 2020.


Rental Car Reimbursement

Accidents can leave your vehicle in the repair shop for an extended period. Rental car reimbursement add-ons cover renting a vehicle while yours is being repaired. This coverage helps you maintain your daily routines and responsibilities without disruption, ensuring you have a temporary means of transportation until your car is back on the road.


According to a study by the Federal Highway Administration, the average American driver spends around 293 hours on the road each year. This highlights the relevance of auto insurance add-ons like rental car reimbursement, which provide coverage for renting a vehicle during repairs.


Gap Insurance 

When you purchase a new car, its value depreciates significantly as soon as you drive it off the lot. In the unfortunate event of a total loss or theft, your insurance company may only reimburse you for the vehicle’s current market value. Gap insurance could be significantly lower than what you owe on your car loan or lease. Gap insurance add-ons bridge this gap by covering the difference between the current market value and the outstanding loan or lease balance, protecting you from unexpected financial burdens.


The National Association of Insurance Commissioners (NAIC) reported that gap insurance add-ons could be particularly beneficial for individuals who finance or lease their vehicles, as it helps cover the difference between the car’s actual cash value and the outstanding loan or lease balance.


Accident Forgiveness

Accidents can lead to increased insurance premiums, affecting your budget in the long run. Accident forgiveness add-ons allow policyholders to maintain their current premium rates even after their first at-fault accident. This add-on provides a safety net, ensuring your rates won’t skyrocket after a single mistake, giving you peace of mind and financial stability.

New Car Replacement

The new car replacement add-on can benefit those who own a brand-new vehicle. In case of a total loss within the first year or a specific mileage limit, this coverage replaces your car with a brand-new one rather than compensating you for the depreciated value. This add-on protects your investment, ensuring you can return your new vehicle with a similar model without suffering financial loss.

Enhanced Coverage for Custom Parts and Equipment 

If you have installed aftermarket parts, accessories, or modifications in your vehicle, standard auto insurance policies may not provide sufficient coverage for these additions. Enhanced coverage for custom parts and equipment add-ons protects these enhancements’ values by offering additional coverage limits, safeguarding your investment in your vehicle’s customization.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) add-ons cover medical expenses, lost wages, and other related costs resulting from injuries sustained in a car accident, regardless of fault. This coverage is precious if you don’t have health insurance or your health insurance coverage is limited. PIP add-ons ensure prompt medical treatment and compensation for your injuries, offering peace of mind during challenging times.

Uninsured/Underinsured Motorist Coverage 

Uninsured/underinsured motorist coverage add-ons protect you if you’re involved in an accident with a driver with no insurance or insufficient coverage to compensate for damages or injuries. This coverage ensures you cannot bear the financial burden if the at-fault party lacks adequate insurance. Uninsured/underinsured motorist coverage add-ons provide additional protection and security for you and your passengers.

Deductible Waiver 

When filing a claim, you must pay a deductible before your insurance coverage kicks in. Deductible waiver add-ons allow you to waive your deductible in specific situations, such as accidents where you’re not at fault or accidents involving another insured driver on the same policy. This add-on eliminates the out-of-pocket expense, making it easier to handle unexpected repair costs without affecting your finances.

Enhanced Coverage for Glass Repair

Windshield and glass damage is typical, and repairing or replacing them can be costly. Enhanced coverage for glass repair add-ons focuses explicitly on covering the cost of repairing or replacing damaged glass, such as windshields, windows, and mirrors. This coverage ensures you can quickly and conveniently address glass-related issues without incurring significant out-of-pocket expenses.


The Insurance Information Institute states a comprehensive auto insurance claim for glass damage costs around $500. Enhanced coverage for glass repair add-ons can help policyholders avoid significant out-of-pocket windshield and glass repair expenses.


Medical Payments Coverage 

Medical Payments Coverage add-ons, also known as MedPay, provide coverage for medical expenses resulting from a car accident, regardless of fault. This coverage can help cover costs like ambulance fees, hospital stays, surgeries, and other medical treatments. Medical Payments Coverage add-ons are particularly valuable if you have high-deductible health insurance or limited health coverage, ensuring that medical expenses are promptly resolved.


Auto insurance add-ons or endorsements allow policyholders to tailor their coverage to meet their specific needs and provide additional protection and peace of mind. Whether it’s roadside assistance, rental car reimbursement, gap insurance, accident forgiveness, or new car replacement. Also, with enhanced coverage for custom parts and equipment, these add-ons strengthen the value of your auto insurance policy. When considering auto insurance, carefully evaluate your requirements. And explore the available add-ons to ensure comprehensive coverage that suits your needs.

A Premiere Auto Glass Company – Windshield Repair & Replacement Service in Phoenix, AZ, is only a call or click away!

Other Pages





Work Hours

We offer the highest quality customer service across Phoenix, Arizona, which includes guaranteed service for all types of vehicles. 

© 2024 Created with Digital Maxima

Wordpress Social Share Plugin powered by Ultimatelysocial