Looking for a flexible car insurance, with less costs and liability? There are many types of Insurance, from the first level of coverage beyond the state minimum coverage is comprehensive auto insurance. Comprehensive auto insurance is really a good choice, because it protects against many different types of physical damages to your vehicle. Comprehensive auto insurance goes by a few different names and can be used as a stand-alone coverage for your vehicle or in combination with other coverages.
Common Comprehensive Coverage Names
- Fire and Theft
- Other than Collision
- Storage Insurance
How much does Comprehensive Auto Insurance cost?
For the average driver, comprehensive is usually an affordable coverage. It varies per vehicle and per driver but, it is usually worth the cost. Even a windshield replacement can cost several hundred dollars and cracked windshields are not rare. Contact your insurance agent to help you review the benefits of comprehensive auto insurance. It could possibly save you thousands of dollars on auto damages.
What does Comprehensive Auto Insurance Cover?
Comprehensive auto insurance covers the following:
- Deer Accidents
- Fire Damage
- Flood Damage
- Hail Damage
- Stolen Car
- Tree Falling on Your Car
- Windshield Coverage
When Can Comprehensive Auto Insurance Be Added?
Comprehensive can be added to your auto policy without collision. But, Collision coverage cannot be added to your auto policy without comprehensive coverage listed. It is a good option for people who do not wish to pay for the full coverage, and it also to protects your vehicle while it’s in storage. Comprehensive auto insurance provides protection for physical damage while it is parked. So, if anything happens to the vehicle while it is not being driven, comprehensive auto insurance will cover the costs of repairs minus your deductible.
Will a Comprehensive Claim Affect My Car Insurance Rate?
Some don’t charge unless you file three or more comprehensive claims in three years. Insurance carriers keep a very close eye on claims. If you file one claim, they determine you are more likely to file another.
So, if you want a good auto insurance then contact your agent to add comprehensive auto insurance to your insurance list.