Comprehensive car insurance is a core insurance coverage that helps you prepare for the unexpected. Typically, comprehensive auto insurance is purchased in addition to the liability insurance that's required by most states to drive legally.
Comprehensive car insurance coverage pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive coverage, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy.
Learn the basics of comprehensive car insurance
A comprehensive car insurance policy may include coverage for a cracked or broken windshield, depending on the state in which you live. It may also pay for damage from hitting a deer or other animal.
Comprehensive auto insurance may also include car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism.
Comprehensive auto insurance may pay for damages caused by some events outside of human control, such as hail or other natural disasters. Additionally it may pay for damage caused by certain falling objects, such as tree branches or debris. Comprehensive car insurance coverage also may pay for damages resulting from fires, civil commotions or explosions.
Add endorsements to your comprehensive auto insurance for even more protection
It’s easy to customize your auto insurance policy with a variety of endorsements, all designed to make your life easier, such as:
Adjust your comprehensive car insurance to fit your needs
Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.
You have more options when selecting your deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.