What is the primary purpose of auto insurance "riders"?

The primary purpose of auto insurance riders is to change the coverage for specific items or situations. Riders, also known as endorsements, are add-ons to a standard auto insurance policy that modify its terms or expand its coverage. They allow policyholders to tailor their insurance to better meet their individual needs. For example, a rider might provide coverage for custom equipment added to a vehicle or extend coverage for renting a vehicle. This adaptability makes riders an essential tool in personalizing an auto insurance policy, ensuring that it aligns closely with the policyholder's unique circumstances or risks.