Optional Auto Coverage

Optional Auto Insurance Coverage

You can tailor your auto policy and select the insurance you want with a full menu of optional coverage choices that include:

New Car Replacement Coverage

If your car qualifies as a total loss within the first two model years of ownership and with fewer than 24,000 miles, New Car Replacement Coverage®  can help. It will reimburse you for the cost of replacing it with a new one of the same make and model — less any deductible.

Customized Equipment Coverage

When a car doesn’t come from the manufacturer with all the equipment you want, you might install aftermarket features like alloy wheels or a sound system. Customized equipment coverage can help if this add-on equipment is damaged, and it’s available for any vehicle with comprehensive and collision coverage.

Personal Liability Umbrella Coverage

Pace Insurance and Financial Services personal umbrella coverage provides additional liability limits over and above the liability limits on your personal auto policy. This affordable coverage can be purchased in $1 million increments up to $10 million.**

Towing and Roadside Service Coverage

If your car breaks down or you get locked out, help is just a phone call away. With roadside assistance, you’ll have 24/7 access to services like:

  • Dead or weak battery jump-starts
  • Flat tire change
  • Locksmith services
  • Roadside winching
  • Towing services to the nearest qualified repair facility
  • Emergency roadside connect to police, fire or medical assistance

Accident Forgiveness

You’ve been accident-free for years — until now. But your good driving record won’t go unnoticed. Pace Insurance and Financial Services will forgive one at-fault accident for every three years you drive without one. That means this one accident won’t impact your premium.

Loss of Use

With this option, Pace Insurance and Financial Services will provide a flat sum for cabs, public transit or a rental while your car has a qualified disablement that’s covered by your policy’s comprehensive or collision coverage.

Car Rental Reimbursement

If you need a rental vehicle after an accident, Pace Insurance and Financial Services will help you find a quality rental car quickly. There’s even free pickup and delivery, direct billing to Pace Insurance and Financial Services and an automatic deposit waiver. Car rental reimbursement is available for a maximum of 30 days for each qualified disablement covered by your policy’s comprehensive or collision coverage.

Glass Buy-Back

Got a crack in your windshield? With this option, Pace Insurance and Financial Services will connect you with a reputable vehicle glass company in your area, and you’ll be back on the road in no time.

Original Equipment Manufacturer

When your car is damaged in a covered accident, Original Equipment Manufacturer (OEM) coverage pays for repairs with factory-original replacement parts when they’re available. To add this coverage, you must have collision and comprehensive coverage with Pace Insurance and Financial Services, and your car must be no more than 10 years older than the current calendar year.

How can we help you?

We’re here to help when you need it most and committed to making sure you get the protection you need for your assets.


Call: 815-675-0990