Driving through Instagram-worthy landscapes, fields of lavender dancing in the wind, and ancient boulders standing sentinel against roadsides on a road trip is a one-of-a-kind experience.
At the same time, a road trip can be risky if you’re going to places with high rates of accidents, natural disasters, and crime.
The solution? Car insurance. But what do you need to keep an eye on? Let’s check out seven tips that’ll make your road trip easier.
- Check Your Current Insurance Policy
If you already have a car insurance policy, it is best to reread the fine print. Does it cover roadside assistance or minor collisions? Make sure to go through the coverage limits, any applicable exclusions, and deductibles.
By doing that, you’ll have a better know-how of the protection your current policy offers. If it’s enough, you won’t have to spend on additional coverage.
- Get in Touch with Your Insurance Provider
Whether or not you have car insurance, it is always best to reach out to an insurance provider like ROLLiN’ Insurance and discuss your requirements and road trip details, such as location, details of your car, and what car maintenance is required, to make sure they can provide what you need.
And while you’re ticking your p’s and q’s, talk to the provider about the length of your road trip and how long you wish to use your car. This will help you determine whether or not your current or potential insurance policy would adequately cover your trip.
- Look for Additional Coverage Options
Always consider additional coverage options if your current insurance plan doesn’t provide enough coverage. You may not need additional coverage for shorter trips, but if you plan to travel by road to another country, it’s always better to be safe than sorry.
For instance, you could get additional coverage to ensure you have access to roadside assistance, which will make sure you aren’t stranded in the middle of nowhere if your car breaks down.
- Check for Rental Car Coverage
Not all car insurance packages cover rental vehicles. So, if you have a car insurance policy and plan to rent a car for your trip, always check whether it covers your rented vehicle model and type. If it doesn’t, you’ll have to pay for additional coverage.
In some cases, you can pay more to cover your rented car. But if your insurance company does not allow you to pay for additional insurance, you can always get another rental car insurance plan.
- Verify Liability Coverage
Always be prepared for the worst to ensure you can protect yourself. That’s where liability coverage comes in. It helps you save money in case you are held responsible for any accident or car damage.
So, if you already have an insurance policy, verify your liability coverage before going on a road trip. Also, make sure you check the coverage limit. It’ll help you get an idea of what you’ll be compensated for and what you won’t, enabling you to get additional insurance if needed.
- Look for Collision Coverage
If you’re driving in a rushy or congested area, having collision coverage is essential. It covers any glancing damage and pays for repairs if your car gets damaged in an accident.
And the best thing is, it doesn’t matter whether or not the accident was due to a fault on your part. Your coverage will still pay for the damage. So, always check the limits of your collision insurance before getting on the road.
- Get Comprehensive Coverage
Comprehensive coverage protects you from non-collision accidents, such as damage from natural disasters and theft. So, if you’re planning a trip to an area with higher chances of non-collision accidents, it is best to get comprehensive coverage.
However, always read the fine print before signing on the dotted line. That’s because your provider may not include everything you think you’ll get on your package, such as pothole damage insurance or medical expenses.
Plus, you may have hidden coverage exclusions. For instance, your car insurance plan may cover your 10-day trip around Queensland but leave you adrift in Sydney. So, always keep an eye on your coverage exclusions and check in advance to ensure you can make any extra arrangements if needed.
Final Words
Giving your car insurance plan a thorough look before getting your wheels on the road will help you learn what your insurance coverage protects you from. And if your plan doesn’t cover everything, you’ll be able to get additional or comprehensive insurance beforehand.
Once you have the “right” car insurance, all you need to do is pack your bags, put on your road trip playlist, and head out on your journey.
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