If a car undergoes severe damage or is totaled but it is unrelated to an auto accident, comprehensive insurance will pay for the damages or even offer dollar replacement. Potential damage that might be covered by this insurance could include wind, flood, earthquake or weather damage of other types, or generally other unpredictable events for which the driver or owner cannot be held responsible. Though comprehensive insurance may be optional, it can be compulsory if you buy a car with an auto loan.

Many lending agencies require borrowers to carry comprehensive coverage for the length of the loan. People who have purchased moderately expensive cars or luxury vehicles without a loan may still want to purchase comprehensive coverage to protect their investment. It's hard to put an amount on comprehensive insurance since it is so unpredictable.

There are some ways to reduce the price. There is a deductible involved with comprehensive insurance. Once damage has gone above the deductible amount that is required, protection would begin.

$250 US and $500 US for each claim are the most common amounts for deductibles. In general you will spend more for a comprehensive plan when your deductible is less. Quite often a collision shop will bypass the deductible if it is a lower amount and there is quite a bit of work that needs to be done to your automobile.

When considering deductible, consider how much money you have to potentially lose or need to spend if a car becomes seriously damaged. If you have the funds for a bigger deductible, it could make sense to opt for one and bank money on your comprehensive coverage. Moreover, you ought to think about the worth of your automobile.

If the car note is paid off and the value of the car isn't worth it then carrying comprehensive insurance might not be of value to you. It may not be wise to buy comprehensive insurance for a vehicle that is only worth a couple thousand bucks, since you could pay more on the payments than you would to repair the vehicle. Normally when you buy full coverage insurance both comprehensive and collision are part of the package.

Theft, fire, vandalism, weather damage, riots, missiles, and other similar circumstances that usually cause damage are what comprehensive covers. Comprehensive auto insurance does not usually cover acts of God, theft or vandalism by family members or employees, contents of the vehicle, tires, or damage due to improper maintenance.