Who Would Benefit from Comprehensive Auto Insurance?

Posted in Auto Insurance

April 27th, 2009

Comprehensive auto insurance is that part of car insurance that protects your car from damages that occur to it that do not stem from an accident with another car. As an example, imagine that you’re driving your car down a snowy mountain road. You’ve got snow tires on, but nonetheless, you hit a patch of ice, skid out, and slam into a tree. The front of your car is heavily damaged. With comprehensive car insurance coverage, you’re going to be covered financially for the repairs to your car (after you pay your deductible). Comprehensive car insurance adds to your monthly premium, no doubt about it, but everyone who gets it and then needs it is always very glad they did.

What Does Comprehensive Cover?

Besides collisions with trees, comprehensive auto insurance will also pay for acts of vandalism. Have you ever had your car keyed, or worse, damaged by someone who took off and left no note? Hit-and-run damages are also covered by comprehensive auto insurance. Acts of nature such as floods, fires, earthquakes and sinkholes are covered as well. Finally, comprehensive auto insurance will also replace the value of your car should it be stolen. If you live in a neighborhood that has a high incidence of car theft, or if you own a brand of car that is known to be popular with car thieves, you should consider getting comprehensive auto insurance. Losing a car to thieves, and then having to buy a brand new one because you didn’t have comprehensive auto insurance, would be not only insulting but prohibitively costly.

Who Needs Comprehensive?

Everyone who has it benefits from comprehensive auto insurance. People with an old junker car, however, may think about skipping comprehensive auto insurance since their car might not be worth the monthly premium for it.To learn more about comprehensive auto insurance, be sure to speak with an auto insurance specialist.

Are you concerned about paying too much for auto insurance? If so, fill out our online auto insurance form and in a few minutes you’ll receive auto rate quotes from the best auto insurance companies. The process is secure, easy and absolutely free. Auto insurance rates change daily, so it’s a good idea to check often.