 TITLE: Step-By-Step Checklist for Getting Car Insurance CONTENT: Car Insurance Extras to Consider\n--------------------------------\nMany insurance companies offer specialty car insurance extras that can save you money.\n*   **Accident forgiveness** prevents an accident from increasing your premiums.\n*   **Gap insurance** covers the difference between what you owe on your auto loan or lease and the car's value if the car is totaled.\n*   **Rideshare driving insurance** covers you during the period when you're logged in to the rideshare app but haven't accepted a trip request.\n*   **Roadside assistance insurance** provides emergency help for flat tires or other breakdowns.\n*   **Rental reimbursement insurance** pays for a rental car while your car is undergoing covered repairs.\n*   If you often drive in Mexico, you need **insurance from a Mexican company**; many U.S. insurers sell this through partners.\n*   **New-car replacement coverage** replaces your car with a new one of the same make and model if it's totaled within a certain number of miles or years.\n*   **Windshield\/glass insurance** replaces or repairs auto glass with little or no deductible.\n*   **Original Equipment Manufacturer (OEM) insurance** pays for using factory parts in covered repairs.\n*   **Customized equipment insurance** covers the cost to repair or replace aftermarket equipment on your car.\n*   **Classic or collectors' car insurance** covers specialized repairs, parts and restoration classic cars need.\n*   **Pet insurance coverage** pays medical costs if a pet in your car is injured in an accident.\n*   **Umbrella insurance** provides additional coverage if expenses or lawsuits exceed the limits of your car insurance. END