Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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Key takeaways...

  • Comprehensive car insurance does not cover collisions
  • It does cover damage from floods, earthquakes, and other acts of nature
  • No state currently requires comprehensive coverage

Comprehensive car insurance coverage will not cover collisions, but it will compensate a car owner for more than a simple car accident. It may also compensate the owner if the vehicle is totaled because of damage from storms, earthquakes, floods, animals and other things for which the owner cannot be responsible.

Car owners may wonder if it is necessary to buy comprehensive car insurance. Many auto loans require the borrowers to have comprehensive coverage at least for the length of the loan.

Although different states differ in the minimum amounts of liability car insurance required, no state requires comprehensive insurance coverage.

Since this type of insurance covers events that damage a car other than collisions, it may cover the expense of repairing or replacing the car. If this happens, these events do not count against the owner’s driving record.

The premiums may go up if the car is kept in a place of high risk or has repeated incidents. We have more information on comprehensive car insurance.

Let us help you find the best car insurance for you. Enter your zip code above in our comparison tool for FREE car insurance quotes.

Table of Contents

Why is it considered the best auto insurance coverage?

Comprehensive insurance covers any damage to the car other than collision including Acts of God that are natural events not caused by humans. It covers damages that are inflicted on another car or drivers.

Many insurance companies will also cover expenses if the car is stolen, but not all.

Covers animal damage including hitting a deer on the road or having the car window smashed by a bear looking for food.

If the car is burned beyond recognition in a fire, most comprehensive policies will reimburse the blue-book value of the car.

Protection against vandalism in the event the car is parked in a high-risk area, and it is spray painted, tires slashed or windows smashed

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How to Determine the Best Coverage

There are many comprehensive insurance products available, and the consumer should research the options before they make a purchase.

There are insurance comparison websites that will compare coverage and prices from many of the top insurance providers.

Some basic things to look for are:

  • Premium cost
  • Deductible cost which varies according to state laws
  • What is the extra coverage that can be purchased for a nominal fee
  • The extent of comprehensive coverage may depend on the insurance company as well as regional laws and other factors

Each car owner needs to evaluate his or her own situation and decide exactly what is needed.

Is comprehensive auto insurance coverage worth the cost?

The cost of the premiums for comprehensive coverage is among the highest because the coverage is the most. It is possible to reduce the cost by asking for discounts. Also, every company will reduce the cost of premiums with a No Claims Bonus if the driver deserves it.

Another way to reduce the cost is to take a higher deductible.  Some companies offer extra services at no extra charge.

These include a courtesy car when the damaged car is being repaired, free 24/7 roadside service assistance and free damage repairs.

Not all companies provide these free extras, so it is important to know exactly what they do cover and provide. An insurance comparison site is the fastest way to get different quotes for the same coverage.

If an owner is wondering if comprehensive coverage is right for him or her, they should first find out the value of their car. They can use the tools in the Kelley Blue Book site or Edmunds.

Another way to reduce the cost of comprehensive coverage is to consider a package deal for several insurance needs from one company.

Most companies will give big discounts if the life, home, and car insurance are all purchased from them. This also makes it more convenient for the owner.

Enter your zip code below and we will help you find cheap car insurance quotes today!

References:

  1. https://www.farmers.com/auto/optional-coverage/
  2. http://today.msnbc.msn.com/id/19838230/ns/today-money/t/how-reduce-your-auto-insurance-premiums/#.T3CdNeyXSs4
  3. https://www.kbb.com/
  4. https://www.geico.com/information/insurance-terms/