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By clicking the button above, I hereby consent to receive marketing communications via autodialed and/or pre-recorded calls, text messages/picture text messages, and/or emails from the agents of one or more of our marketing partners at the phone number provided above, including wireless numbers, if applicable, even if I have previously registered the provided number on the Do Not Call Registry. I understand that consent is not a condition to receive quotes. To receive quotes without providing consent, please call 1-855-210-8720. Carrier data rates may apply.
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By clicking the button above, I hereby consent to receive marketing communications via autodialed and/or pre-recorded calls, text messages/picture text messages, and/or emails from the agents of one or more of our marketing partners at the phone number provided above, including wireless numbers, if applicable, even if I have previously registered the provided number on the Do Not Call Registry. I understand that consent is not a condition to receive quotes. To receive quotes without providing consent, please call 1-855-210-8720. Carrier data rates may apply.
Comprehensive insurance is a type of auto insurance that covers any damage to your vehicle from causes that are out of your control. There are so many types of damage that can happen to your vehicle without it even being on the road. Comprehensive cover is meant to provide coverage where liability and collision insurance can’t.
Chipped or cracked windshields are quite common. It only takes a small rock falling on the windshield to cause a crack. In some cases, the crack may be so small that you don’t have to fix it. However, when you must fix it, comprehensive coverage will pay for repairs. It doesn’t matter what caused the damage; any glass damage, including back glass, door glass, and sunroofs are all covered by comprehensive insurance.
Have you ever been driving then an animal jumps onto the road out of nowhere and causes you to have an accident? Well, this is a common occurrence especially in rural areas, forests, and other places where animals are common. One of the most common claims in the US is deer accidents. Comprehensive insurance covers that and any other animal-related accident.
Hail can strike at any time and you can’t always have your vehicle safely parked in a garage. With comprehensive insurance, you don’t have to worry about what will happen to your vehicle when a hail strikes because the insurance company will pay for damages to the vehicle or pay you in full for it in the event that it is totaled.
Fire can do a lot of damage to a car. A lot of people think that home insurance covers fire damage to your car if it burnt down while in the garage. This is not the case unless it was an antique. Comprehensive insurance covers such damage and any other fire damage including arson.
If your car has been missing for over a month, comprehensive cover pays the actual cash value of the missing vehicle.
Any type of vandalism to your car including getting keyed or the neighbors' kids egging your car is covered under comprehensive insurance.
If you live in a place constantly affected by floods, you need comprehensive coverage. Depending on the severity of the flood, your car may sustain just a little damage or even get carried away by the water. Regardless of what caused the flooding, comprehensive coverage will dry your car out or pay for its actual value if the car cannot be found.
Owners of comprehensive insurance have a chance to reduce the amount they pay in premiums using deductibles. A deductible is simply that amount that a car owner is willing to pay first before the insurer pays for the rest when a loss occurs. For comprehensive insurance, deductibles are usually about $300-$500. However, depending on a few factors, you can increase or lower that amount.
If, for instance, someone owns a Toyota Camry worth $12000 with a $1000 deductible and the car is completely destroyed by an earthquake, the vehicle owner will receive $11000 from the auto insurance company. If the driver doesn’t own comprehensive insurance, they will be responsible for the whole $12000 since neither liability insurance nor collision insurance covers that kind of damage.