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What is comprehensive coverage?

Comprehensive coverage exists to protect the motorist from vehicle damages that may be incurred due to acts of nature. This form of coverage will pay the cost of repairs, minus the deductible, for these acts. It may or may not cover damage from collisions. That fact will be dependent upon the specifics written into your policy's coverage. As with collision insurance, there is a deductible that must be paid upon the filing of a claim. Comprehensive insurance is generally an optional form of coverage that acts as a supplement to collision insurance. However, for some financed or leased vehicles, you may be required to maintain comprehensive insurance depending upon the conditions of your lender. 

Comprehensive insurance will cover the cost of repairs for damages incurred by acts like crime (i.e. theft or vandalism), storms (i.e. hail or sandstorms), or by collision with an animal. Oftentimes you can add a rider to your insurance policy that will cover a specific item, such as a broken window or a broken windshield. It is important for a policy holder to realize that there are certain items that are not covered by comprehensive insurance. These can include aftermarket electronics, like CD's or subwoofers. However, many times these items can and will be covered under a homeowner's or renter's insurance policy. You can inquire with your insurance company for further specifics. 

The cost of comprehensive insurance, like any other form of insurance, is dependent upon a variety of factors, such as the type of vehicle you wish to insure, your location, etc. The make and model of the vehicle you will drive can hold a substantial amount of influence over the cost of your premiums. The more expensive or higher end that a vehicle is, the more it costs to fix it. If the cost of repairing the car exceeds the current market value for a vehicle, an insurance company may elect to "total" the car. Your location will affect the premiums you will pay for your insurance as well. The crime statistics for an area will provide an insurance company with an estimate of how likely you are to be victimized by a crime like vandalism or theft. 

Your driver's license record will also have a large amount of influence in determining how much your premiums will. It is a hallmark by which an insurance provider will make assumptions about your driving habits. An accumulation of tickets for traffic related offenses is a warning sign to an insurance company that you may be a risky driver to insure. The use of the internet allows you to receive multiple quotes from different vendors about a policy you may be interested in. You would be surprised how much the cost of a policy will vary in between lenders. Comparison shopping will enable you to find a policy that meets your requirements within your budget. Look into multiple options for comprehensive coverage before working with a certain company.


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