The Top 3 Companies for Comprehensive Car Insurance
The top three companies for comprehensive car insurance are State Farm, GEICO, and Allstate. But car insurance rates can vary based on where you live and the car you drive. Use our free comparison tool below to compare rates from the top comprehensive car insurance companies and more.
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Written by
Rachael Brennan
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Reviewed by
Chris Harrigan
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UPDATED: Aug 3, 2021
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- If you’re looking for comprehensive coverage, there are companies that specialize in that type of auto insurance
- The top three companies for comprehensive coverage are: State Farm, Geico, and Allstate
- Each company has its perks as well, ranging from multiple coverage options and policy modifications to excellent customer service and communication skill
When it comes to selecting car insurance, customers need as much information as possible like premium amounts, deductibles, and especially coverage options.
You should consider purchasing more than the minimum liability insurance coverage to ensure you have personal property coverage. A more extensive policy could help with things such as replacement cost, water damage, and possibly even medical payments. Also look into coverages like collision insurance and underinsured motorist coverage.
These crucial facets help customers make informed decisions and worthwhile investments. While auto insurance is mandatory, comprehensive coverage offers broad protection for drivers across the board.
Comprehensive coverage includes repairs and replacement of vehicles that have been damaged by fires or floods. Cars are also protected in cases of theft and vandalism.
While each car insurance policy differs, there are companies that specialize in comprehensive insurance coverage for new or existing drivers.
Use our comparison tool for FREE car insurance quotes by entering your ZIP code above!
Table of Contents
State Farm
State Farm is an industry leader in automobile insurance coverage.
With several types of coverage available, the company is heralded for their knowledge and professionalism. Whether it’s browsing quotes or filing claims, State Farm representatives are always available to help customers 24/7.
For more detailed information on this company, head over to our State Farm Review.
While they feature auto liability coverage and personal injury protection (PIP), they also offer one of the top comprehensive insurance plans on the market today.
This type of coverage helps pay for loss or damage to insured vehicles, which are not caused by vehicle rollovers or accidents. Examples include:
- Wind
- Hail
- Fire
- Floods
- Theft
- Vandalism
- Hitting animals on the road
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Since most of these are natural causes, drivers are not responsible for damages assessed. Still, they must pay monthly premiums to meet certain deductibles.
Monthly payments are the only way to secure protection and coverage for all vehicles involved.
When looking for the right type of comprehensive coverage, there are three aspects to keep in mind:
- Comprehensive coverage only protects insured cars that were damaged in non-accident situations
- Non-accident situations include theft, vandalism, and especially natural disasters like floods, wind damage, fire, hail, etc.
- Comprehensive coverage cannot protect insured vehicles that have rolled over or have been involved in extensive accidents
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Geico
In addition to State Farm, Geico is a nationally renowned company known for top comprehensive coverage. While comprehensive coverage is not mandatory, Geico recommends this insurance for cars that are currently financed or leased.
Also, drivers have to meet their deductibles before the company can pay for repairs or damages to insured vehicles. The higher the deductible is, the lower your monthly premium payments will be.
Like other comprehensive coverage specialists, Geico lists each coverage option in great detail to prevent any miscommunication between the customer and company.
Geico offers comprehensive coverage under their “Acts of God” category and protects insured drivers from:
- Windstorms
- Hail and gust
- Hurricanes and tornadoes
- Fires, smoke, and ash
- Theft and vandalism
- Hitting a deer or other animal on the road
Drivers are also protected regardless if it was their fault or the fault of an unknown party or driver. Geico also reiterates the following points for anyone that needs comprehensive coverage.
- Comprehensive insurance is not mandatory
- Coverage is only extended to vehicles that have been damaged in “Act of God” situations
- Drivers can purchase additional insurance, such as collision to coincide with their current policies
Allstate
No comprehensive coverage list is complete without Allstate. As one of the nation’s oldest and most respected insurance companies, they offer a vast selection of auto insurance options and choices.
Allstate lists comprehensive coverage options at their site for optimal convenience. Customers can also speak to agents about policy modifications, as well as adding comprehensive coverage to existing plans.
Do more research on Allstate and read this review on Allstate car insurance.
Allstate deductible options also range from $0 to well over $1,000 for insured drivers.
In addition to the items mentioned above, comprehensive insurance also covers:
- Broken windshields or shattered windows
- Falling objects like rocks, stone, and gravel
- Earthquakes
There are many reasons to purchase comprehensive car insurance. While this type of coverage can be dropped at any time, it is vital to have within the first year of buying a car.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
If you’re looking for better and more affordable comprehensive coverage, enter your ZIP code below and compare at least three to four policies today!