Car insurance isn’t something you want to buy. It's something you have to buy. So you probably want it as cheap as possible. Hey, we get it. Money matters. But when it comes to comparing prices on car insurance, making sure you’re getting quality coverage for your buck is what will ultimately matter the most. Just ask one of the millions of people who’ve filed a claim and found out what was missing from their policy the hard way. Talk to an independent agent today about which coverages are most important to you, like these: Underinsured/uninsured motorist coverage. If you were to get hit by someone with minimal or even zero car insurance, do you want your policy to cover the gaps? Full glass repair and towing/labor. Whether it’s a nasty crack in your windshield or you’ve accidentally locked yourself out of your own car, what are you okay – and not okay – with paying out of pocket? Rental car reimbursement. Do you have a friend willing to be your chauffer or will you need another vehicle to get you to and fro while your car’s out of commission? Pet injury, mobile device and identity theft. What other precious cargo rides along in your car with you? What’s at risk if your car is stolen or broken into? Original equipment manufacturer coverage. If you need repairs, are you okay with the car parts being replaced with anything other than the original manufacturer’s parts? Loan/lease gap coverage. You’d hate to think you’re unlucky, but it happens all the time. People drive their brand new ride off the lot and shortly thereafter find themselves in a total loss accident. How much do you still owe on your loan or lease, and are you willing to pay the difference between that and your car’s actual cash value if you got in an accident? Personal umbrella. Do you have the funds to pay a jury award or settlement if someone sued you for property damage or injuries from an accident you caused? Boat, recreational vehicle and motorcycle insurance. Are you taking advantage of multi-policy discounts for all the vehicles you own? Find an agent * Available coverages and discounts may vary by state. Please contact your Grange independent agent to discuss coverage details, discounts and eligibility requirements.