Substitute Transportation – Is it Worth it?

When it comes time to start a new auto policy, or add a vehicle to an existing policy, one question your agent will ask is,

“Would you like to add substitute transportation coverage to that vehicle?”

And typically the answer received is, “No, just the required coverage please.”

Then sometime down the road that vehicle is involved in an accident and needs repairs that will take several weeks to complete. Since most of us need our vehicles to get to and from work, it is unacceptable to be without transportation for this long, therefore a rental car becomes a necessity. The cost of a rental car can vary depending upon the type of vehicle, but the average would be about $30 per day. If you need this vehicle for even one week, that can end up costing you over $200. Had you chosen to add substitute transportation to that vehicle, in most cases costing less than $100 per year, you could be driving around in a rental car for up to 30 days, without worrying about paying anything out-of-pocket. That can add up to a value of $900, for less than $10 per month. Now ask yourself, is it worth it?   

Not only can substitute transportation save you money in the long term, but it also relieves the stress of needing your repairs completed in a timely manner. When you are paying for a rental car yourself, every day the vehicle is sitting in the shop you are spending more money. When the rental car is already paid for by your insurance company, there is no worry about the repair shop fixing your car immediately or waiting for the parts to come in on time. As long as your vehicle is repaired within 30 days, you will incur no extra expenses. This is piece of mind that you can’t put a price on.

Contact our office for a free quote and add your substitute transportation coverage today!