Most people who have auto insurance are familiar with the basics of their policy, but they often fail to ask for some important types of supplemental coverage. This kind of coverage, commonly called a rider in the insurance world, can be some of the most useful auto insurance you have. Below, you can learn more about two important insurance riders that may save you a lot of money in the long term.

The Car Rental Rider

When you rent a vehicle, the rental company commonly tries to sell you a whole host of insurance coverage. This insurance includes liability, collision, and comprehensive, which are the main three types of coverage in most standard car insurance policies.

Rental agencies also commonly offer personal accident coverage, which covers your own medical bills in a car accident. In some cases, car rental agencies also offer personal possession coverage, which insures any items that you keep in the rented vehicle.

All of this coverage can get pretty pricey, especially when you consider the fact that you can get a policy rider on your existing insurance policy that will cover the same things. Before you rent a vehicle, check with your insurance agent to find out exactly what is included in your current policy. Some of the coverage described above may already be included, but a rider can make sure that it's all covered.

Getting this rider allows you to save some money at the rental counter, and it gives you the peace of mind that comes with knowing your own insurance company is behind you.

The Windshield Rider

The windshield rider is sometimes called a glass rider, but it may not actually cover all auto glass. The main purpose of the windshield rider is to cover windshield repair or replacement in cases where the policy would not otherwise pay for it. An auto insurance policy will typically pay for the replacement of a windshield that was broken in a wreck, or for a windshield that was destroyed in a storm or similar natural disaster.

However, the average auto insurance policy often won't pay for the repair or replacement of a windshield that was cracked by a flying rock on the interstate, or for one that was damaged in some undetermined way. This is where the windshield rider comes in. It's essentially a "no questions asked" way to get your damaged or destroyed windshield replaced, no matter how it occurred.

Riders are typically inexpensive additions to insurance policies, and you can get them very easily. It may be as simple as calling your insurance agent to make arrangements. Phone your local agent to ask about these auto insurance services today!