Finally figured out how not to overpay for insurance

The point about comparing roadside limits is useful, but I’d check one more detail before treating an insurance add-on as a bargain: whether a service call can affect claims history or renewal terms. That can vary by insurer and by how the call is recorded, so it’s worth asking the company directly. A low price and generous towing limit don’t tell you the whole cost.

The backup-ride point matters most when the car is how you get to work. I’d compare the annual premium for rental reimbursement with the likely cost of getting around while the car’s being repaired, not just the rental bill. If losing the car would mean paying for other transport every day, the add-on could be worth it even if you rarely travel out of town.