Comprehensive Auto Insurance

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Automobile insurance that covers more than collisions

Comprehensive auto insurance means that the policy will cover you for damages or incidents other than just collision. This insurance covers damage to your personal vehicle. For example, theft or other damage that occurs outside of a collision would be covered by comprehensive coverage. Some instances that cover your vehicle are fires, floods, explosions, hail, earthquakes and other natural disasters, damage by animals, vandalism, and falling objects.

Comprehensive coverage makes a lot of sense if you travel for work or frequently drive in various environments. Comprehensive auto insurance coverage will typically cover all typical costs. If you visit or live in a more rural area, in which you may encounters animals, this coverage could be valuable. Hitting an animal sometimes means more damage to your car than the animal.

The extent to which the policy will pay for your damages or loss will depend upon your deductible. The higher the deductible (the amount that you must pay before the coverage kicks in), the lower your coverage costs will be. If you have little or no deductible, meaning the insurance company will cover all costs, your payment will be higher. When choosing a deductible, you should consider how much you can afford to pay for certain types of damage. For instance, costs to repair a damaged windshield can depend upon the type of vehicle you own. If the costs are not more than what you could afford and damage is unlikely, you might not need a low deductible to cover that incident.

Also keep in mind that there may be unique provisions for coverage in areas that experience events like natural disasters. If your area regularly sees tornadoes or you live in a high-crime area, you may need to get special coverage not normally included. This additional stipulation is called a ‘rider’ since it rides with the typical coverage. There isn’t any legal requirement on how much comprehensive insurance is needed, but if you have a loan on your vehicle, your bank may have requirements. Typically, the insurance agent will have this information on hand when you disclose the type of vehicle and ownership status. Another criterion is the condition and value of your vehicle. If it has a relatively low-cost replacement value or is currently low value, it may cost more for insurance than the total value of the vehicle. If this is the case, you may not need or want this type of coverage.