Let’s face it; every driver wants to enjoy money-saving benefits when taking up auto insurance coverage. And this is no longer a hassle since you can now compare car insurance rates online before deciding on anything.

Remember, auto insurance agencies are not created equal. For this reason, they tend to have different offerings that you will perfectly understand when you choose to compare car insurance rates online.

While doing this, it’s also essential that you prioritize add-ons in car insurance policies. Add-ons are merely additional coverage options that will enhance the scope of a comprehensive car insurance policy. Below are some of the most notable ones.

Zero Depreciation Cover

While settling claims, the car insurance agency you choose to work with will factor in the depreciation of your vehicle.  But when you buy this add-on cover, the insurance company will not consider depreciation and you can benefit from a higher claim settlement value.

Engine Protection Cover

In case of water ingression, hydrostatic lock, or coolant/lubricating oil leakage, causing consequential damage to the internal parts of the insured vehicle’s engine, gearbox, or differential assembly, an insurance agency can provide reimbursement to the insured when having engine protection cover. The reimbursement amount will be up to the limit specified in the Add-ons schedule for the cost of repair or replacement.

Consumables Cover

When you compare car insurance rates, it is also essential to factor in if the insurer has consumables cover as part of their add-ons. After all, consumables such as engine oil, lubricants, nut, and bolts are not covered during claims. Consumables Cover add-on protects you from expenses incurred on these items in the event of an accident.

Other add-ons worth looking into the next time you decide to compare car insurance rates online include outstation emergency cover, key replacement cover, roadside assistance cover, no claim bonus protection, and return to invoice cover, to name a few.

Take it upon yourself to better understand how each of these add-ons affect your car insurance policy before you finally get to include it in your coverage.