Cater to Your Lifestyle With Different Types of Auto Insurance
The auto insurance coverage and capabilities you select should match your lifestyle. No matter if you’re a busy parent or a classic car collector, a hiker who likes to take their dog along to the trails or a tech wiz, there are car insurance options designed to fit your needs.
Let’s take a closer look at how different types of auto insurance, insurance products and lifestyle habits can make your day-to-day easier—possibly even better protected.
If you use technology to simplify your life:
Your cell phone and other smart devices can be great tools for a customized auto insurance experience. For a more tech-friendly experience, you can:
Give us a call about mobile device coverage. This would reimburse you for the cost of replacing your cell phone if it’s ever destroyed in a covered loss.
Call us about safe driving discounts.
Add roadside assistance to your policy.
If you are a parent:
You probably don’t have a lot of extra time to spare if you are a parent or legal guardian. And if you do, you don’t want to spend it tending to your insurance. However, you care about keeping your loved ones safe and understand the value of quality auto insurance coverage.
Here’s a quick car insurance guide that can help you prioritize protection and save time:
Make sure there is car seat replacement coverage in your auto policy. If you have a baby or a young child, this coverage can help you with the cost of replacing a car seat that’s damaged in a covered loss.
Increase your liability coverage if you sometimes shuttle your kids and their friends to school and other activities. With additional passengers in your vehicle, it may come in handy to have your liability coverage reflect the increased risk.
Add your teenage or young adult driver to your auto insurance policy. It is generally cheaper to add your children to your insurance policy than for them to purchase their own. If your new driver will have their own car, consider insuring it with the same insurance carrier. You may qualify for a discount if you have more drivers than vehicles within your household.
Talk to your Zeiler insurance agent about discounts. There are a multitude of discounts for young drivers. Your kids can earn a good student discount for above average grades in school. If your children move at least 100 miles away from home to attend school (and leave the car at home), you may be able to get a discount for the time they are not driving regularly.
Make sure all drivers are accurately reflected in your auto insurance policy.
If you are an outdoor enthusiast:
Spending time outside probably impacts your car lifestyle. Whether you spend a lot of time on road trips to scenic destinations, you ride a motorcycle around town for leisure or you own a Recreational Vehicle (RV), these tips may be for you:
Get insurance for your All-Terrain Vehicle (ATV) or Recreational Vehicle (RV).
Get insurance for your motorcycle.
Add insurance for your boat. Give us a call about coverage requirements for your specific boat type. If you are a first-time boat owner, make sure you have the appropriate license and registration.
Upgrade your auto insurance and add roadside assistance if you live part-time or full-time in a van.
If you are environmentally friendly:
Making lifestyle choices can be a great way to minimize your carbon footprint. Here are some ways you can be mindful of the environment and your auto insurance needs:
Start carpooling with friends or family. However, make sure your liability limits reflect the extra passengers in your vehicle. The Insurance Information Institute estimates that about 85% of frequent carpoolers do not adjust their auto insurance accordingly.
Drive less often. If you live near your favorite shops and restaurants, walk or ride your bicycle to burn less fossil fuels. Depending on your driving habits, you may be eligible for savings.
If driving is part of your job requirements:
Driving for work can be part of your role within a company or your main job function. For those who drive for their occupation:
Get a ridesharing endorsement if you work for an on-demand ride-hailing company, like Uber or Lyft.
Call us about commercial auto coverage if you own or operate business vehicles.
Consider upgrading your auto insurance and liability insurance. The long periods of time behind the wheel may increase your likelihood of being in an auto accident.
Types of auto insurance for everyone to consider:
Think of your car coverage as lifestyle insurance—you can adapt it to fit the needs of your changing circumstances. Here are some coverages and additional services everyone should consider for their car insurance policies:
If you have a loan or lease for your vehicle, add gap coverage. In the event the vehicle is totaled, gap coverage will pay off the balance of the loan if you owe more on the vehicle than what it’s worth.
If you only want original parts used during an auto repair, add original equipment manufacturer (OEM) coverage.
Add or remove your spouse from your auto policy, if you get married or divorced.
If your pet rides in the vehicle with you, add pet injury coverage and make sure you’re using a safety harness or crate to prevent injuries.
Call us about rental car reimbursement coverage. If your vehicle ends up in the shop after a covered loss, this would help reimburse you for a rental car.
Add roadside assistance coverage for times when your vehicle fails. Whether you get stuck with a flat tire or your battery dies in a parking lot, roadside assistance will help you get back on the road whenever and wherever you need us.
When you are ready to start shopping for car insurance to fit your habits, hobbies and needs, check out Consumer Reports Car Insurance Buying Guide to help you pinpoint your goals.
As your lifestyle changes, your coverage needs may change, too. Give us a call today to learn about the types of auto insurance that are available to you.
Dan Zeiler
dan@zeiler.com
877-597-5900 x134