Most people understand the basic forms of auto insurance coverage available, but many do not know about the other types they can add to their policies. If you like having the most protection possible with your insurance policies, you might want to evaluate the following three special types of coverages to add to a car insurance plan.

1. Roadside Assistance

The first option you can consider is roadside assistance. Have you ever had a time when you locked your keys in your car? Have you ever run out of gas or had a flat tire while traveling? If you have ever experienced a car problem like this, you can probably remember how you felt during it. You may have felt worried, nervous, and uncertain about to do. If you have roadside assistance coverage, you might feel safer driving. The purpose of this coverage is to provide help when you need it for almost any type of car emergency or problem. You can call a number if you have any car issue, and someone will arrive at your location to assist you.

2. Rental Car Coverage

The second special type of coverage to add to your policy is rental car coverage. This coverage is not designed to pay for rental cars while you vacation, so do not get confused. Instead, it pays for a rental car if you wreck your car and must wait for a body shop to fix it. It might not cover the rental car's full costs, but most policies provide a specific dollar amount of coverage per day.  

3. Mechanical Breakdown Protection

The other option to consider is adding mechanical breakdown protection. This coverage is not available from all insurance companies, but some offer it. Mechanical breakdown protection is like a warranty on a car. It provides financial assistance when you need car repairs. You may have to pay a fee for the services, but the insurance will cover the rest of the costs. If you do not have a warranty on your vehicle and want to avoid hefty repair bills, you might want to find out if you can purchase this coverage from your car insurance agent.

Most car insurance policies do not come with these three coverage types, but you might be able to add them to your policy. If you would like more information about any of these coverage types, contact an auto insurance agent to ask the questions you have.