Give Your Dream Car the Best Insurance Coverage

If you’re finally ready to buy your dream car, you know this won’t be an ordinary purchase. It’s not a basic vehicle, so don’t settle for basic auto coverage. Doesn’t your dream car deserve the best?

If your car is a classic, collector, rare or high-performance vehicle, ask your agent about using a specialty company that has unique coverages not found on a standard auto policy.

Aside from basic coverages like liability, collision and comprehensive (which you can read more about here), you might want to consider the following optional special coverages:

• Stated value or agreed value coverage will help insure your vehicle at a specific amount instead of actual cash value, like most vehicles.
• New car replacement coverage provides the difference between the purchase price of a new vehicle and the actual cash value of your vehicle, if it is declared a total loss. A new vehicle must be of the same or similar make, series and model as the vehicle it replaces. (This coverage is not usually available for leased vehicles.)
• Loan or lease gap coverage pays the outstanding balance between the vehicle’s lease or loan amount and the current actual cash value. If your lease automatically includes this coverage and you are allowed to remove it from the loan or lease, we can provide the coverage for significantly less cost.
• Special physical damage coverage pays to replace damaged parts on your vehicle with new original equipment manufactured parts, if available.
• A waiver of collision deductible protects you from paying a deductible to repair your car if you are less than 50% at fault. This coverage usually kicks in when the at-fault driver has low limits, no insurance or cannot be found.
• Full glass coverage replaces your broken windshield without a deductible. In some states, such as Minnesota, all insurance companies are required to offer this coverage. In others, like North Dakota, this coverage is provided at the discretion of each insurance company.
• Roadside assistance covers towing, ditch extraction, emergency fuel, battery service, lockout service, flat tire assistance and help with directions.
• Accident forgiveness allows one at-fault accident on a policy, before your rates are affected.

Now that you have the car you’ve always wanted, protect it with the coverage it deserves. Call our office at 800-369-2501 or request a quote online to find out about different options and what coverages may be in your best interest.

Bell Insurance Services, LLC is a wholly owned subsidiary of Bell Bank. Products and services offered through Bell Insurance are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not A Deposit | Not Insured by Any Federal Government Agency.