A recent report by the Federal Bureau of Transportation Statistics stated that 91 percent of summer travel within the continental United States takes place in personal vehicles. Hitting the road with the family is a tradition that's every bit as American as turkey at Thanksgiving, as it gives people the chance to spend time with loved ones while exploring one of the world's most geographically diverse countries. However, too many people fail to check their auto insurance coverage before setting out, which could end up costing them more money if something unexpected happens on the trip.
An experienced insurance agent provides a personal service, which can mean the difference between having the right insurance coverage or inadequate coverage for your road trip. Taking all factors into consideration, an agent will use their in-depth knowledge of insurance coverage to give you guidance on which policy best serves your needs during a long road trip.
What Could an Insurance Agent Recommend?
Long, out-of-state road trips are fraught with potential hazards, and perhaps the most significant is the chance of your car breaking down. An agent will be able to advise you on which policies include cost-effective roadside assistance coverage. They can also ensure that you are covered for all eventualities during your trip. If you're a frequent traveler, you could also be advised to take out a policy that includes coverage for general 'trip interruption' and the cost of a rental car in case the need for one arises. This will give you the peace of mind in knowing that all your reasonable expenses, such as food bills and hotel costs, are covered in the event of your vehicle's failure.
Questions to Ask Your Agent Before Setting Off
Traveling to and from work every day is one thing, but taking a long trip across America is a completely different proposition, so you should be clear about exactly what your coverage includes. What is the dollar value of your coverage for theft, third-party damage, injury and all of the other possible events that can occur during a car journey? Does your policy include coverage for the use of recreational vehicles, such as jet-skis and quad bikes? An agent will work with you so that the policy you finally choose addresses all of your specific requirements.
An agent may recommend an umbrella policy, whereby you are given up to $2 million of coverage for all eventualities, including litigation as a result of personal and bodily injury. Affordable auto insurance is easily found by giving Accu Rate Insurance Agency a call at 888-607-6499. We will discuss your road trip plans with you directly and recommend the best course of action for your specific needs.