There are many optional things that you can cover but in many cases it just adds to your premium and is not really a good deal for you.
Things that are often expensive and not needed by many are:
- Rental reimbursement coverage/transportation expense coverage
- Gap coverage
- New car replacement coverage
- Towing and labor cost coverage
- Ride-sharing coverage
- Sound system coverage
- Classic car insurance
There are people that always buy the maximum. They usually do not care how much it costs. If it is available they buy it. If you are on a budget it's probably best to go with what is required by law. If your car is leased or financed your bank or lending institution will tell you what you need.
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