What is Comprehensive coverage?

Comprehensive car insurance coverage pays for damage to your car if it is stolen, vandalized, or damaged by fire, flood, fallen trees, storms, other natural disasters, collisions with animals, etc. These scenarios may happen regardless of where you live and they may not be preventable. This is the main reason that comprehensive car insurance coverage is vital.

Comprehensive car insurance coverage is required by lenders. So if you took out a loan to buy your car you must take comprehensive coverage. Otherwise comprehensive car insurance coverage is usually optional. Increasing your deductible to the highest level that you can afford will reduce your car insurance premiums. An increase in your car insurance deductible will significantly reduce your car insurance premiums. We don't recommend a deductible higher than you can afford to pay.

Comprehensive car insurance coverage pays only the depreciated value of your car. The depreciated value of the car is the current worth of the car minus the amount of deductible stated in the insurance policy. Comprehensive car insurance coverage can be very advantageous to owners of new or expensive vehicles.