ng and rental reimbursement. Towing provides a flat amount of coverage per disablement and rental reimbursement pays a specified amount per day in the event you need to rent a car while yours is being repaired.The sixth and final coverage is Special Equipment coverage. This covers any special equipment installed or attached to the vehicle not factory or dealer installed. This will usually include rims, stereos and custom accessories.How much or which coverage is right for you? It’s a personal decision that no one can make for you.The third key consideration when buying car insurance is the company and agent. When buying insurance the quality of the company should be taken into consideration. One way to evaluate the quality of a company is to inquire about their “Best” rating. According to the AM Best company web site, Am Best is one of a few an independent companies that assigns a rating to each company. The rating is based on their financial strength, operational performance and ability to meet their obligations. AM Best ratings range from A (superior) to F (in liquidation). In considering the company you will probably rely heavily on the recommendation of an agent. Whenever you buy insurance you will ALWAYS buy it from an agent. In California agents are required to be licensed by the department of insurance. According to the departments web site, Agents must have their licenses posted in full view so that a consumer may readily verify that an agent is fully and properly licensed. Three good qualifying questions to ask the agent are:1. How long has the Agency been in business?2. Do they verify a prospective client’s motor vehicle report before selling the policy?3. Do they have separate sales and customer service departments? Paula Meeks at Gateway Insurance states that “Agencies with separate Sales and Service departments tend to insulate their sales people from the service needs of their clients as wel...
