When it comes to auto insurance, most people think about the basics: liability, collision, and comprehensive coverage. But beyond the standard policy, there are a handful of smart add-ons that can make a big difference when life throws you a curveball on the road. Whether you’re driving a brand-new car or an ol’ reliable, these extras could help fill some financial gaps in the event of an accident.
Here are four auto insurance extras worth considering.
1. Emergency Roadside Assistance
Imagine getting a flat tire on a rainy night or locking your keys in the car miles from home. Emergency Roadside Assistance is designed for exactly those moments. This coverage typically includes services like towing, battery jump-starts, fuel delivery, flat tire changes, and lockout help.
Why it’s worth it:
It’s often cheaper than standalone roadside assistance memberships, and it travels with your policy — so whether you’re in your own car or someone else’s, help is just a call away.
2. Rental Reimbursement
If your car is in the shop after a covered accident, Rental Reimbursement covers the cost of a rental vehicle so you’re not left stranded. Most policies offer a daily allowance (like $30/day) up to a certain number of days.
Why it’s worth it:
Car repairs can take days (or even weeks). This coverage keeps your lifestyle moving smoothly, without draining your wallet.
3. Medical Payments Coverage
Also known as MedPay, this coverage helps pay for medical expenses if you or your passengers are injured in an accident – regardless of who was at fault. It can cover things like ambulance fees, hospital visits, surgery, and even funeral costs.
Why it’s worth it:
Health insurance doesn’t always cover everything after an accident. MedPay can step in to help with co-pays and deductibles, making it especially useful if you frequently have passengers.
4. Mechanical Breakdown Insurance
This is like an extended warranty, but through your insurer. Mechanical Breakdown Insurance (MBI) helps cover the cost of major mechanical repairs — like transmission, engine, or electrical system failures — not caused by normal wear and tear.
Why it’s worth it:
MBI can save you thousands on unexpected repairs, especially if you drive a newer car and want long-term protection once the manufacturer’s warranty expires.
Are These Auto Insurance Add-Ons Right For You?
| Auto Insurance Extra | Ideal For |
| Emergency Roadside Assistance | Drivers in rural areas, those with older cars, or people who aren’t comfortable changing a flat or jump-starting a car. |
| Rental Reimbursement | People who rely heavily on their car for commuting, errands, or family responsibilities. |
| Medical Payments Coverage | Drivers without strong health insurance, rideshare drivers, or those who frequently have passengers. |
| Mechanical Breakdown Insurance | Owners of newer vehicles out of warranty, or anyone worried about major mechanical repairs. |
Auto Insurance in Harrisburg, PA
Auto insurance isn’t one-size-fits-all. These extras can turn a good policy into a great one. Talk to an expert insurance agent to see which add-ons make sense for your driving habits, vehicle type, and budget.
Reach out to The Kind Insurance to discuss your current coverage & how you might be able to save money. We are an independent insurance agency. That means we are not tied down to any specific selection of insurers. Our agents work with you to understand your needs and budget and then find a plan that suits you the best.
Get in touch today for more expert insurance advice.