The auto insurance coverage and capabilities you select should match your lifestyle. No matter if you’re a busy parent or a classic car collector, a hiker who likes to take their dog along to the trails or a tech wiz, there are car insurance options designed to fit your needs.
Let’s take a closer look at how different types of auto insurance, insurance products and lifestyle habits can make your day-to-day easier—possibly even better protected.
If you use technology to simplify your life:
Your cell phone and other smart devices can be great tools for a customized auto insurance experience. For a more tech-friendly experience, you can:
- Ask your agent about mobile device coverage. This would reimburse you for the cost of replacing your cell phone if it’s ever destroyed in a covered loss.
- Add roadside assistance to your policy and use the Grange Mobile app to get help when you need it.
If you are a parent:
You probably don’t have a lot of extra time to spare if you are a parent or legal guardian. And if you do, you don’t want to spend it tending to your insurance. However, you care about keeping your loved ones safe and understand the value of quality auto insurance coverage.
Here’s a quick car insurance guide that can help you prioritize protection and save time:
- Make sure there is car seat replacement coverage in your auto policy. If you have a baby or a young child, this coverage can help you with the cost of replacing a car seat that’s damaged in a covered loss.
- Increase your liability coverage if you sometimes shuttle your kids and their friends to school and other activities. With additional passengers in your vehicle, it may come in handy to have your liability coverage reflect the increased risk. Check with your agent to make sure your coverage is adequate.
- Add your teenage or young adult driver to your auto insurance policy. It is generally cheaper to add your children to your insurance policy than for them to purchase their own. If your new driver will have their own car, consider insuring it with the same insurance carrier. You may qualify for a discount if you have more drivers than vehicles within your household.
- Talk to your agent about discounts. There are a multitude of discounts for young drivers. Your kids can earn a good student discount for above average grades in school. If your children move at least 100 miles away from home to attend school (and leave the car at home), you may be able to get a discount for the time they are not driving regularly. If your child leaves your auto policy and becomes a new policyholder with Grange, they can earn the legacy loyalty discount.
- Make sure all drivers are accurately reflected in your auto insurance policy.
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If you are an outdoor enthusiast:
Spending time outside probably impacts your car lifestyle. Whether you spend a lot of time on road trips to scenic destinations, you ride a motorcycle around town for leisure or you own a Recreational Vehicle (RV), these tips may be for you:
- Get insurance for your All-Terrain Vehicle (ATV) or Recreational Vehicle (RV). Talk to your agent about adding it to your auto policy.
- Get insurance for your motorcycle. Your agent can help you start a new motorcycle policy today.
- Add insurance for your boat. Ask your agent about coverage requirements for your specific boat type. If you are a first-time boat owner, make sure you have the appropriate license and registration.
- Upgrade your auto insurance and add roadside assistance if you live part-time or full-time in a van. Ask your agent how you can get the best protection for life on the road.
If you are environmentally friendly:
Making lifestyle choices can be a great way to minimize your carbon footprint. Here are some ways you can be mindful of the environment and your auto insurance needs:
- Start carpooling with friends or family. However, make sure your liability limits reflect the extra passengers in your vehicle. The Insurance Information Institute estimates that about 85% of frequent carpoolers do not adjust their auto insurance accordingly.
If driving is part of your job requirements:
Driving for work can be part of your role within a company or your main job function. For those who drive for their occupation:
- Get a ridesharing endorsement if you work for an on-demand ride-hailing company, like Uber or Lyft.
- Talk with your agent about commercial auto coverage if you own or operate business vehicles.
- Consider upgrading your auto insurance and liability insurance. The long periods of time behind the wheel may increase your likelihood of being in an auto accident.
Types of auto insurance for everyone to consider:
Think of your car coverage as lifestyle insurance—you can adapt it to fit the needs of your changing circumstances. Here are some coverages and additional services everyone should consider for their car insurance policies:
- If you have a loan or lease for your vehicle, add gap coverage. In the event the vehicle is totaled, gap coverage will pay off the balance of the loan if you owe more on the vehicle than what it’s worth.
- If you only want original parts used during an auto repair, add original equipment manufacturer (OEM) coverage.
- Add or remove your spouse from your auto policy, if you get married or divorced. Grange offers a new beginnings discount for drivers who are divorced.
- If your pet rides in the vehicle with you, add pet injury coverage and make sure you’re using a safety harness or crate to prevent injuries.
- Ask your agent about rental car reimbursement coverage. If your vehicle ends up in the shop after a covered loss, this would help reimburse you for a rental car.
- Add roadside assistance coverage for times when your vehicle fails. Whether you get stuck with a flat tire or your battery dies in a parking lot, roadside assistance will help you get back on the road whenever and wherever you need us.
When you are ready to start shopping for car insurance to fit your habits, hobbies and needs, check out Consumer Reports Car Insurance Buying Guide to help you pinpoint your goals.
As your lifestyle changes, your coverage needs may change, too. Talk to a Grange Independent Agent today to learn about the types of auto insurance that are available to you.
References
Consumer Reports
Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.