The next time you renew your auto insurance policy, be sure to make sure that you are paying for the right extras. Here are a few extras that are great to add onto your insurance coverage.

#1 Rental Car Coverage

If you are ever in an accident, regardless of whose fault it is, your insurance company is not going to cover the cost of a rental car for you unless you have rental car coverage. Rental car coverage is often very cheap and inexpensive over the course of your premium. However, it can be an invaluable investment when someone hits your car and you find yourself without a vehicle for the three weeks that it takes to get your vehicle repaired.

When you have rental car coverage, your insurance company will cover a rental car for either a set number of days or up to a set amount. This is the best way to ensure that you are able to stay on the road even if your vehicle is sidelined for a while. 

#2 Gap Insurance

If your vehicle has a car note on it, you should make sure that you have gap insurance right now. Gap insurance is vital when you are paying off a car. What gap insurance does is ensure that if you get into an accident and your vehicle is totaled that you are able to pay off your car loan. What often happens is that the actual value of your vehicle, that your insurance company will give you, is below the amount that you still owe on your vehicle. Without this insurance, you will have to pay that "gap" on your own, which means you could be making car payments for a vehicle you don't even own. With gap insurance, your car insurance will cover the remaining cost of your loan if it exceeds the value of your vehicle. This will help you keep your credit score up and make it easier for you to secure a new car loan. 

#3 Roadside Assistance

Finally, if you don't have outside roadside assistance, add this to your insurance now as well. It is a great back-up and very affordable. If you ever find yourself locked out of your vehicle, out of gas, with a dead battery or a flat tire, or just in need of a tow for any reason, you can just call your insurance company and get immediate and free help on-the-spot without having to stress over money. 

The best part of roadside assistance is that it is coverage for you, not just your vehicle, which means that if you are with a friend and their vehicle breaks down, you can use your roadside assistance to get you out of the jam. 

Car insurance can be expensive, but rental car coverage, roadside assistance and gap coverage if you have an auto loan are all worthwhile features to add onto your auto insurance policy that can really pay for themselves if you ever need to use them. Check with a company like Angel Auto Insurance for more information.