Get the most our of your car insurance with these 2 MUST have add-ons! Here’s an explanation: Return to Invoice (RTI) Covers the cost of repairing or replacing damaged parts, along with the depreciated value of the vehicle, when the car is stolen or irreparably damaged. This cover may be a good option for new cars that don’t require much maintenance, or if you live in an area prone to theft or don’t have secure parking. RTI premiums are usually 10% higher than comprehensive coverage. Zero Deprec