Route 66 Insurance: Everything You Need to Know

Route 66 is one of the most iconic roadways in America, stretching over 2,400 miles from Chicago to Santa Monica. While the highway has a rich history of culture and travel, it is also home to a multitude of roadside attractions and hazards. That’s why it’s important to have adequate insurance coverage when traveling on Route 66. In this article, we will explore everything you need to know about Route 66 insurance.

What is Route 66 Insurance?

Route 66 insurance is a type of auto insurance that provides coverage to drivers who are traveling on Route 66. This insurance coverage is specifically tailored to provide protection against the unique hazards and risks that are associated with traveling the historic highway.

Route 66 insurance typically covers the same things that regular auto insurance covers, such as liability, collision, and comprehensive coverage. However, it may also include additional coverage such as roadside assistance, trip interruption, and rental car reimbursement.

Liability Coverage

Liability coverage is a type of insurance that protects you if you are found to be at fault for an accident. It covers the cost of damages or injuries that you cause to other people or their property. Liability coverage is required in most states, and Route 66 insurance is no exception.

When traveling on Route 66, it’s important to have adequate liability coverage. The highway is known for its many roadside attractions and tourist spots, which can lead to increased traffic and potential accidents. Make sure that your liability coverage meets the minimum requirements for the states that you will be traveling through.

Collision Coverage

Collision coverage is a type of insurance that covers the cost of damages to your vehicle in the event of an accident. It doesn’t matter who is at fault for the accident – as long as it is a collision that causes damage to your vehicle, collision coverage will pay for the repairs or replacement of your car.

When traveling on Route 66, collision coverage is especially important. The highway is known for its long stretches of road with little to no services, which can make it difficult to get help in the event of an accident. Having collision coverage can help you get your car back on the road as quickly as possible.

Comprehensive Coverage

Comprehensive coverage is a type of insurance that covers the cost of damages to your vehicle that are not caused by a collision. This can include things like theft, vandalism, and weather-related damage. Comprehensive coverage is usually an optional add-on to your insurance policy, but it is highly recommended when traveling on Route 66.

The highway is known for its extreme weather conditions, ranging from scorching hot temperatures to severe thunderstorms. It’s also a popular destination for tourists, which can increase the risk of theft or vandalism to your vehicle. Comprehensive coverage can give you peace of mind knowing that you are protected against these risks.

What Does Route 66 Insurance Cover?

Route 66 insurance covers a variety of risks and hazards that are unique to traveling on the historic highway. Some of the most common coverages offered by Route 66 insurance include:

Roadside Assistance

Roadside assistance is an optional coverage that can be added to your policy. It provides assistance if your vehicle breaks down or you have a flat tire, run out of gas, or lock yourself out of your car. Having roadside assistance can be a lifesaver when traveling on Route 66, especially in areas with little to no services.

Trip Interruption

Trip interruption coverage is also an optional coverage. It provides reimbursement for expenses related to a covered loss while on a trip, such as lodging, transportation, and meals. This coverage can be especially helpful if you experience a covered loss while traveling on Route 66.

Rental Car Reimbursement

Rental car reimbursement is another optional coverage that can be added to your policy. It provides reimbursement for the cost of renting a car if your vehicle is out of commission due to a covered loss. This can be particularly useful if you are traveling on Route 66 and your car is in the shop for an extended period.

FAQ – Frequently Asked Questions

Question
Answer
Do I need special insurance to drive on Route 66?
No, you do not need special insurance to drive on Route 66. However, it is important to have adequate insurance coverage that meets the minimum requirements for the states that you will be traveling through.
What types of hazards should I be aware of when traveling on Route 66?
There are many hazards associated with traveling on Route 66, including extreme weather conditions, long stretches of road with little to no services, and an increased risk of accidents due to heavy tourist traffic. It is important to be prepared for these hazards by having adequate insurance coverage.
What should I do if I am in an accident on Route 66?
If you are in an accident on Route 66, the first thing you should do is make sure everyone is okay and call for emergency services if necessary. After that, you should exchange contact and insurance information with the other driver(s) involved and document the damage with photos or video. It is also important to contact your insurance company as soon as possible to report the accident.
Does Route 66 insurance cost more than regular auto insurance?
Route 66 insurance typically does not cost more than regular auto insurance. However, the cost of coverage may vary depending on the specific hazards and risks associated with traveling on Route 66.

Conclusion

Traveling on Route 66 can be an exciting and unforgettable experience, but it’s important to have adequate insurance coverage to protect against the unique hazards and risks associated with the historic highway. Whether you’re planning a long road trip or just a weekend getaway, make sure that your insurance policy covers your needs and meets the minimum requirements for the states that you will be traveling through. By taking the time to prepare for the unexpected, you can enjoy all that Route 66 has to offer with peace of mind and confidence.