It’s not just other drivers who have it out for your car. Party poopers like thieves, vandals, fires, floods and fearless animals can ruin your day just as much as a fender bender. Other types of auto insurance like collision and liability coverage don’t protect you from this destructive platter of threats, but comprehensive coverage does.
That being said, you should make sure you and your whip are properly protected. Our independent agents are ready to walk you through top options and help you find the right comprehensive coverage to keep you secure.
It’s an optional contract that adds extra protection to a standard car insurance policy. If there’s a wreck, the insurer will help pay to repair or replace your vehicle if the damage wasn’t caused by a collision with another car or object. It’s also commonly called “other than collision.” However, a collision with an animal would be covered.
No. Legally, you do need car insurance, but comprehensive coverage is the extra credit of car insurance. It’s great if you have the means, and it can pay off in the long run, but you can get by with less if you have to.
It depends on how much you love and need your car and whether you can afford to eat the cost if you need to suddenly replace it. Comprehensive will add to your premiums, but it offers extra protection to match, keeping disruptions to your routine (and bank account) to a minimum.
Yes, no and maybe so scenarios:
Basically, it covers everything except collisions with inanimate objects or other vehicles—that’s what collision coverage is for. A typical comprehensive policy will include these types of coverage:
There’s no set cost for comprehensive coverage, since your policy and premiums will be personalized for you and your vehicle. The final price tag will be based mainly on these factors:
An experienced driver with a perfect safety record and a low- to mid-range vehicle could pay as little as $600 a year for comprehensive coverage. New drivers with bad records, especially ones with expensive cars, could pay upwards of $5,000 per year.
Your car is one of your most important assets, don’t let mistakes and misunderstandings get between you and the coverage you need. Independent agents simplify the process by comparing insurance quotes for you. They’ll also cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you and your family in case of an accident. They’re experts at handling claims and helping you maximize the benefits of your insurance.
Instant online insurance quotes are nice, but algorithms are designed for the lowest common denominator and can miss important details. Our expert agents do the hard work behind the scenes, so you can enjoy a policy that strikes the perfect balance of meeting your needs and saving you money.