Customize Your Auto Insurance With the Right Add-Ons
Part of Our Auto Insurance Quote Program
A basic auto insurance policy covers the essentials—but sometimes, you need a little more protection. That’s where auto endorsements come in. At InsurSmart, we help you understand and choose the right policy add-ons to enhance your auto insurance coverage without paying for things you don’t need.
Whether you’re a daily commuter, road tripper, or rideshare driver, we’ve got the smart solutions to keep you covered.
What Is an Auto Insurance Endorsement?
An auto insurance endorsement (also known as a rider) is an optional add-on that modifies or extends the coverage in your standard policy. It’s a way to customize your protection to better match your driving habits, risks, and needs.
Endorsements can add coverage that isn’t included in your base policy—or increase limits on existing coverage.
Common Auto Insurance Endorsements
Here are some popular auto endorsements to consider:
- Roadside Assistance
Get help with flat tires, dead batteries, towing, or lockouts—24/7. - Rental Reimbursement
Covers the cost of a rental car if your vehicle is in the shop due to a covered accident. - Gap Insurance (Loan/Lease Payoff)
Pays the difference between your vehicle’s value and what you owe if your car is totaled. - Accident Forgiveness
Prevents your premium from increasing after your first at-fault accident (available from select carriers). - New Car Replacement
If your new car is totaled within a certain time frame, this covers the cost to replace it with a brand-new one—rather than depreciated value. - Custom Parts & Equipment Coverage
Covers aftermarket accessories like rims, sound systems, or lift kits that aren’t covered by a standard policy. - Rideshare Coverage
Fills the gap between your personal policy and what’s covered by platforms like Uber or Lyft. - Pet Injury Protection
Covers veterinary costs if your pet is injured in an auto accident while riding with you. - OEM Parts Coverage
Ensures repairs use Original Equipment Manufacturer parts, not aftermarket replacements.
Why Add Endorsements to Your Policy?
Endorsements give you:
✅ Peace of mind — You’re protected against more specific, real-world risks
✅ Flexibility — Only pay for coverage that’s relevant to your lifestyle
✅ Affordability — Add value to your policy without major cost increases
✅ Customization — Tailor your policy to fit your vehicle and driving habits
Why Choose InsurSmart?
At InsurSmart, we go beyond “just quotes.” We help you:
✅ Understand which endorsements make sense for you
✅ Compare add-on options across top-rated carriers
✅ Find the right balance between protection and price
✅ Adjust your coverage as your needs change
We’re here to make auto insurance smarter—not harder.
Get a Free Auto Insurance Quote + Endorsement Options
Ready to build a policy that fits like a glove?Click below to request your free, no-obligation auto quote, including a personalized list of endorsements based on your vehicle and lifestyle.
📞 Call us at (513) 779-7920 to speak with a licensed insurance advisor.
