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Comprehensive auto insurance coverage review

What is Comprehensive Auto Insurance? Comprehensive auto insurance is an auto insurance coverage policy that will protect your car in a variety of situations.

What comprehensive auto insurance covers:

  • Theft
  • Wind
  • Vandalism
  • Fire
  • “Acts of God” – Your car getting hit by thunder, or a tree falling on your car
  • Damage to you car done by an animal

What comprehensive auto insurance covers in general has been listed above, but different insurance companies may have minor differences in what they cover.

What’s the difference between collision insurance and Comprehensive auto insurance?

Comprehensive auto insurance coverage - kanalmu
Comprehensive auto insurance coverage - pict via pixabay

I think that it’s worth noting that comprehensive auto insurance is not collision insurance. Many people get the two confused. Collision auto insurance covers damage done to your car by accident, such as hitting another car or colliding with an object such as a lamp post. 

Collision auto insurance covers the repair bill for the car in such an accident; but if your car was vandalized collision auto insurance would not cover the damage.

How much does Comprehensive coverage cost?

Comprehensive coverage cost is calculated just like any other component of auto insurance. Many factors are included in estimating the cost; such as value of the car, drivers experience and age of the driver. 

Most comprehensive coverage’s also have a mandatory deductible that must be paid. Deductible prices vary from the low hundreds to the thousands. Paying a higher deductible will lower your insurance cost.

Is comprehensive coverage required, and should I get it?

Comprehensive coverage is not mandatory by any state. Whether or not comprehensive coverage is right for you will depend on a few things; such as: the value of your car, how susceptible you believe your car is of theft, and your geographic location.

Where can I get the best comprehensive auto insurance?

You can use our free quotes tool above to find the best comprehensive auto insurance quotes. [ Kanalmu ]