How To Add Additional Coverage To Your Auto Insurance Policy

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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At, we believe that you should treat your auto insurance policy like you treat a work of art. You should spend time adding to it, customizing it, and “putting love into it.” It takes some knowledge to put together an auto insurance policy that is right for yourself, and that is why you should always be adding and subtracting different coverage types from your current policy.

In order to be able to “craft” an auto insurance policy to your liking, you need to know how you can add additional coverage types to your policy. In this article, we will discuss why you would want to add new coverage to your policy and how you can go about doing so.

Why would you want to add insurance coverage?

adding additional coverage

Add additional coverage to your auto insurance policy in order to avoid getting caught in a sticky situation!

I used to be an auto insurance agent here in the state of New York. Working in the insurance industry, I was able to learn the ins-and-outs of the business and see first hand out it works. As an agent, I was always receiving calls from concerned policyholders making sure they were covered in certain situations. If they were not covered, they wanted to know how they could get covered.

One of the main reasons why people would call me up is for looming natural disasters. If there was a hurricane about to hit land or a rainstorm that was sure to bring about flooding and other damage, the customers wanted to make sure they were insured.

In these cases, the customers would need to add “comprehensive coverage” to their policies. Comprehensive coverage covers repairs to your vehicle if it is damaged by things other than automobile accidents. This will usually cover fires, theft, falling objects, and various natural disasters. (On the other hand, for coverage that will cover automobile accidents, you will need to be equipped with “collision coverage.”)

Another common reason why policyholders add coverage to their existing policies is that they financed a vehicle and their current policy does not meet the requirements set forth by their lender. In cases like these, the lender or financial institution will require the customer to add coverage (or often times raise coverage limits) to their existing policy. A lot of times, these lenders require the customer to add these insurance coverages to their policy before the new car owner even drives the vehicle out of the new-car lot!

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Adding Additional Insurance Coverage

Depending on your unique insurance situation, adding car insurance to your existing policy can be done a few different ways. You first have to view your state and insurance company regulations, but many companies allow for changes through the comfort of the internet. Other companies, require that you actually give them a phone call to discuss the changes with your insurance agent.

At, we feel that the best practice for adding additional coverage to your vehicle is to call up your insurance company directly. By speaking with an agent, you are more likely to understand the different insurance types and policy additions that you may need. By using the internet, you leave too much up to chance.

How Much Does It Cost To Add Additional Coverage?

Most likely, there won’t be a “service charge” by your insurance company for adding additional coverage to your policy. There will, however, be a rise in your premiums. After all, insurance coverage isn’t free.

Adding additional coverage to your policy of course results in higher coverage, but also results in higher premiums. How much extra this will cost you all depends on what type of coverage you add and when. For example, adding comprehensive coverage during hurricane season in Florida will cost you more than if you were to add this coverage in the middle of winter. Adding the right type of coverage at the wrong time, therefore, will result in the highest price increase. If you were to only modify your policy slightly, however, (such as raising your liability limits) you should not expect a significant increase.

If you do not have a current insurance policy and wish to shop around for one, use the quote comparison tool found on the top of By doing so, you will be able to find an insurance policy that matches your needs with all the coverage types you require.

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