Comprehensive car insurance is universally considered the best auto insurance coverage that auto insurance companies offer. It usually provides the most extensive coverage for drivers, hence the name “comprehensive.” Although not all people need a comprehensive cover, more people are starting to realize that it is better to be safe and insured as a driver than to be underinsured, or even worse, uninsured in the event of an accident. If you are interested in learning more about auto insurance policies, read below for a detailed description.
What Is Comprehensive Car Insurance?
If you decide to buy a comprehensive policy, you will get above average insurance protection compared to standardized policies. Although companies differ in the amount of coverage that they provide under these types of policies, most are structured the same. Below includes some of the extensive coverage that you should expect to receive with full coverage on your insurance.
Damage to your car – Any damages, other than those caused by a collision, that are caused to your vehicle will be covered under this type of policy; no matter what causes the damage. Since you are buying full coverage auto insurance, your insurer will generally reimburse you for the full amount of damage to your vehicle.
Damage to other cars – If you inflict damage upon the vehicle of a third party (e.g. another driver), your insurance policy will often take care of the costs. In other words, you won’t have to worry about paying out of your own pocket for damages that you cause. It is nice to know that your insurer will provide support and pay for third party claims; even if you are “at fault” in an accident.
Stolen vehicles – Not all types of auto insurance would reimburse you if your car is stolen. If you want to make sure that your insurance policy will cover your car if it’s stolen, then you will want to purchase a comprehensive insurance cover.
Acts of God – If you want to be covered for “Acts of God” on your insurance policy, then you will want advanced coverage. Most insurance companies differ in their definitions of “Acts of God,” but in general, most agree that the definition is “natural occurrences beyond human influence or control.” This would account for damage caused by weather (e.g. tornadoes, earthquakes, mud slides, etc.). Any natural event that is not caused by humans is considered an Act of God.
Weather damage – Weather damage such as that caused by: hail storms, tornadoes, hurricanes, floods, and more will all be covered. If you want to have your vehicle insured for any potential weather damage, this is the type of cover that you should get.
Animal damage – If a deer hits your car or a grizzly bear decides to smash through your windshield to look for some food, you will be insured for damages that are caused. A lot of people have had damage caused to their vehicle by animals. Repairing the damages caused by animals can be very costly, but if you have quality coverage, you will get the damage fees picked up directly by your insurer.
Fire damage – If for some reason there is damage to your vehicle as caused by a fire, you will get reimbursed for the damages. If your car is unrecoverable after burning in a fire, most insurance companies will reimburse you for the blue-book value of the vehicle.
Vandalism – As a vehicle owner, it’s nice to have vandalism damage protection for greater peace of mind. Whether your vehicle gets spray-painted, your windshield gets smashed, or your tires get slashed – it is comforting to know that you will have protection against vandalism damages.
Incidents besides collisions – Comprehensive plans do NOT provide insurance for collision damages (such as bodily injuries). However, it does provide other coverage for your vehicle that you may need. Other scenarios where having more extensive coverage would be beneficial include: if something out of your car is stolen or if parts of your vehicle are stolen. Nearly every incident besides a collision is going to be covered under this type of policy.
Benefits of Comprehensive Auto Insurance Policies
Even though certain policies do not provide coverage for everything, they are clearly the best to have for your vehicle(s) if you need thorough protection. The cost of premiums for comprehensive insurance are among the highest because you are getting the most coverage as a motorist. With that said, having the extra insurance can be very beneficial if you find yourself in an accident or without coverage for certain things like animal damage or stolen parts. If you don’t have adequate coverage – you may end up paying a lot more money for damages than it would have cost you on premiums for this type of policy in the first place.
Even if you end up spending a little more than average on your coverage, you will still be able to save money on your premiums through discounts. No matter which company you go to, you will be able to save with a “No Claims Bonus” as well as by taking a higher deductible. Who should buy this type of policy? Well an extensive amount of coverage is generally recommended for people that need advanced protection for their vehicle – something above average.
Online Auto Insurance Comparison
Before you purchase an insurance policy, it is important to conduct your own comparison. Most companies offer different rates as well as different sets of savings opportunities (e.g. discounts) and additional perks associated with their policies. For example, some companies may provide customers that purchase more expensive policies with: free damage repairs, free courtesy cars (should they need one), and free 24 hour roadside assistance.
Not all companies have great perks – so take time to research these and be a wise consumer. Most people have trouble making accurate comparisons – so be sure to read company reviews before you commit to a policy. There are many great insurance companies that provide comprehensive policies to choose from, but it is up to you to choose a company that works best for your vehicle and finances.
Free Car Insurance Quotes
If you are interested in getting the best deal on auto insurance coverage, it is important to get free insurance quotes for a comparison. You can get a free comparison by entering your Zip Code into the form on top of this website. The form above will provide you with great deals from car insurance companies that provide local listings in your area. All that you need to do is figure out which company looks like they have the best deals!