Auto insurance is required by law in most states. Basic coverage limits for liability, collision, and comprehensive insurance are usually determined by state governments and insurance companies package their policies accordingly. Many drivers don't look beyond basic coverage to identify some premium auto insurance options that might be beneficial over time. If a premium auto insurance option applies to your unique situation, contact your insurance agent to request the additional coverage.

1. Glass Coverage

Auto glass can be costly to replace. When a windshield or window is chipped or cracked, the safety of the vehicle is compromised. Some drivers can benefit from the addition of glass coverage to their existing auto insurance policy. Glass coverage gives you the ability to secure a new window or windshield without paying a deductible. If you live in an area with a high level of risk for auto glass damage (like a hail-prone zone or near a golf course), having glass coverage could end up saving you a significant amount of money in the long run.

2. Custom Equipment Coverage

If you have ever taken the time to walk through an automotive store, you know just how many options are available when it comes to customizing your vehicle. An upgraded stereo system or an aftermarket turbo may not be covered under your existing auto insurance policy. You should talk to your agent to determine if additional coverage is needed to reimburse you for any damage to or loss of your custom equipment if you have invested in upgrades for your car or truck.

Custom equipment coverage factors in the actual value of your vehicle's installed components, whereas basic insurance uses the factory components as a baseline. Add custom equipment coverage to your policy so that you will receive an insurance payout for the actual value of your vehicle's parts in the event of an accident.

3. Roadside Assistance

Most insurance providers offer the option of adding roadside assistance to your existing policy. A roadside assistance package can be beneficial if you spend a lot of time behind the wheel. Learn more about roadside assistance by contacting services like Illinois Insurance Center Inc.

You can call for professional help whenever you need a tire changed, need your vehicle towed, or need to diagnose a performance problem while on the side of the road. Each of these services alone can be quite costly, so having access to them without having to pay out-of-pocket makes paying for a roadside assistance package worthwhile.