Should I Choose Comprehensive Coverage?

Comprehensive coverage is a special coverage on your auto insurance policy that covers damage occurring from events other than auto accidents. Your comprehensive coverage is usually optional, but sometimes if your car is leased or financed, comprehensive coverage is mandatory.

Generally comprehensive coverage protects your car against incidents like fire, vehicle theft, vandalism, water damage and property damage from animals. Every auto insurance policy is different, so you must ask your auto insurance carrier what incidents are covered under their comprehensive coverage.

The law usually requires you to keep minimum liability auto insurance coverage but not comprehensive coverage. If you have a car that is more than ten years old, you may not need to have comprehensive coverage, but this is a personal decision. In some cases, you may find that the premiums paid for comprehensive coverage on an older car may end up being more than what the car is worth. All comprehensive coverage carries a deductible amount which comes out of your pocket before your benefits are disbursed by your auto insurance company. Consult an auto insurance agent to explore your comprehensive coverage options.