HOOK
Are you paying for auto insurance coverage you may not actually need? A lot of drivers are, especially at renewal time. [B-roll of a driver reviewing an insurance bill on a phone]
KEY POINT 1
First, look at collision and comprehensive coverage on an older car. If your car is worth only a few thousand dollars, the cost of those coverages may not make sense compared with what they’d pay out after a claim. [B-roll of an older sedan and a cost comparison on screen]
KEY POINT 2
Next, check rental reimbursement. If you have a second car, work from home, or can borrow a ride for a few days, you may not need to pay extra for a rental after an accident. [B-roll of keys on a kitchen counter, then a laptop at home]
KEY POINT 3
Then review roadside assistance. Some drivers already get towing or jump-start help through a credit card, car warranty, or auto club membership, so they may be duplicating coverage. [B-roll of a tow truck, roadside assistance app, and membership card]
KEY POINT 4
Finally, don’t trim liability too far. That’s the coverage that protects you if you hurt someone or damage their property, and it’s usually the last place to cut just to save a few dollars. [B-roll of traffic scene and simple shield graphic]
CTA
Before your next renewal, take five minutes to compare what you’re paying for with what you actually use. If you want, I can also help you build a quick auto insurance review checklist. [B-roll of a checklist being checked off on screen]
