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Comprehensive Car Insurance

Comprehensive car insurance is coverage on a driver for damages, other than a collision, that might occur to their car or to a vehicle that they are driving. These include acts of nature, fire, animals, or car theft. When deciding on comprehensive car insurance coverage, it is important to review the policy to determine exactly what is covered and what is not.

Defining the Types of Comprehensive Car Damage

To answer the question what is comprehensive car insurance, a better understanding of comprehensive damages is needed. An act of nature, fire, and vehicle theft all have thin lines that can cross over into a homeowner policy.

An act of nature is any damage that occurs that is beyond the control of the comprehensive car insurance policy holder. Common types of damages that fall into this category are hail, flood, tree, and wind. When reviewing a comprehensive car insurance policy, there are certain circumstances that fall beyond the scope of the policy. For example, if the policy holder lives in an area prone to hurricanes or tornados, any damage to the vehicle may fall under the policy holder’s homeowner policy or the homeowner’s insurance policy of the person where the vehicle was located during the storm.

The same can ring true of fire damage to a vehicle, if the vehicle is damaged at a residence by a structure fire, the fire damage may fall under the homeowners of the property owner. Vehicle fires, which result from the vehicle itself or from a wild fire, are generally the types of fire damage covered under a comprehensive car insurance policy.

As with an act of nature and fire, when a vehicle is stolen there are two different coverage needed for the driver to recoup money from the theft. The vehicle itself and damages that occur as a direct result of the theft are covered under comprehensive car insurance, but the contents of the vehicle are another story. Vehicle contents are generally covered under homeowners or renters insurance. This means that the deductible for both insurance policies will need to be paid, one for the vehicle and the other for the vehicle’s contents.

Damages that are a direct result of a vehicles contact with an animal fall completely under comprehensive car insurance coverage. If the driver that hit the deer also damages another vehicle, the additional damages to the driver’s vehicle and the damages to the other vehicle will fall under collision coverage, if the driver has this type of coverage.

What is Comprehensive Car Insurance Pricing?

Another important question that also arises when shopping for coverage is, what is comprehensive car insurance pricing? There are several factors that are used to determine the final cost from an accurate car insurance estimate. These factors all relate to the driver and/or drivers that will be on the final policy. This include but are not limited to age, sex, length of driving experience, previous  claims, current coverage, amount of comprehensive car insurance coverage, the policy holder’s credit, and the state that the policy is to be issued.

Each factor will have a direct relationship to the final amount of the policy premium. It is important to review the amount of coverage for the specified policy and if it is monthly premium payment is high, there is a way to reduce the policy premium amount by reducing your coverage.

The policy deductible is the amount of damage that the insured is required to pay before any monies are spent by the company. The higher the deductible, the lower the risk for the company, this will have a direct effect on the final cost of the comprehensive car insurance policy premium. Although it may be tempting to have a high deductible, it is important that the deductible amount remain affordable. A deductible should be a comfortable amount that can be easily paid should the vehicle receive damage.

Who Should Maintain Comprehensive Car Insurance

Most states do not require that a driver has comprehensive car insurance coverage, but if the vehicle is financed, the lender will often require the coverage to insure their collateral. Drivers that own their vehicle outright may also wish to maintain coverage to reduce the out-of-pocket expenses that can occur when a newer vehicle is damaged but drivers that are looking for non owned auto insurance may consider a specialty provider in their state if one is available. If the vehicle is older or is not in the best shape, comprehensive car insurance coverage may not be needed, but if finances do not allow for the vehicle to be easily replaced, maintaining comprehensive car insurance coverage is still a good idea.

How to Receive a Comprehensive Car Insurance Quote

Now that the question, what is comprehensive car insurance has been answered, the next step is to find out how much having coverage will cost. The internet has made receiving free comprehensive car insurance quotes faster and easier than ever before. When filling out the free request form there will be a series of questions that will need to be answered. Answering each question truthfully will guarantee that the quote is close to the final policy premium amount.

After reviewing the received quotes and a decision is made as to which policy provides the best balance of price and coverage. The final amount of the comprehensive car insurance policy may change after the company performs the necessary conformation checks. When the final policy is issued, review the policy to ensure that there are no surprises down the road.


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