Automobile Insurance Endorsements

Automobile insurance rules endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

These policies are never required by any state, but many drivers value the security and convenience they provide.

Here's what you get for your money:

* auto towing insurance pays for (you guessed it) towing your car anytime you need it

* auto glass insurance gives you a lower deductible (or no deductible) when it comes to repairing any broken window on your car.

* daily rental insurance covers the cost of a rental car while your car is being repaired because of a covered event. (So you'll usually need both comprehensive and collision insurance to qualify.)

* emergency roadside assistance covers repairs done on the spot. Changing a flat roadside may be covered, but you'll have to pay for any repairs at the garage. This policy is often combined with auto towing coverage, and called roadside emergency towing insurance.

In some states, medical payments coverage and uninsured/ underinsured motorists coverages are voluntary coverages. In others, they're mandatory.

Your Car Insurance Policy

Choosing the right amount of coverage in the right areas will both save you money and protect you better.

Raising deductibles, increasing liability limits, and eliminating redundant policies will make your car insurance dollar stretch farther. You can learn more about these and other car automobile insurance rules choices.

But changing your coverage amounts isn't the only way to save money on your policy. Insuring your automobile with the same company that provides your family with other types of coverage can earn you lower premiums. And some companies will offer a lower rate if you pay your premium electronically.

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