Additional coverage Options

Many policies offer additional coverage options that act as enhancements to your policy. They extend the coverage of other areas of your policy, or provide additional protection in adverse situations.

Rental reimbursement
Rental reimbursement coverage is an optional coverage that pays you back for money spent on a rental car (up to a specific limit you select) if you must rent a car because your own car was out of service due to a covered loss. Be sure to review your policy for any restrictions.

Discounts
You could be eligible for premium discounts if something about you or your car makes you a better-than-average risk for the insurer. The discounts listed below are typically "built in" to your premium, instead of being listed separately, but it's always good to be aware of anything that affects your premium.
  • a mature driver (typically ages 50 - 65)
  • not driving a "sports" car
  • a long time customer of IFA
  • taken an approved defensive driver course
  • a good student

Safety enhancements in your car, such as automatic seat belts and driver-side and passenger-side airbags, reduce your risk of being injured in a collision. IFA recognizes this by discounting your premium.

If you have an approved anti-theft system to protect your vehicle, you've lowered the insurance company's risk, and that's worth a premium discount. You should be aware that there are both active and passive anti-theft systems. The passive systems typically save you more than the systems that you have to turn on.