WHAT IS COMPREHENSIVE INSURANCE?
Comprehensive coverage may cover damage to your car caused by anything other than a collision. It's designed to help pay for the damages done to your car that were caused by events outside of your control.
WHAT DOES COMPREHENSIVE CAR INSURANCE COVER?
Comprehensive car insurance may cover damage to your vehicle that's a result of the following:
Natural Disasters
Falling Damage
Hitting an Animal
Fire Damage
Theft
Vandalism
WHAT IS NOT COVERED BY COMPREHENSIVE INSURANCE?
Comprehensive coverage will not cover the following:
- Damage to your vehicle or someone else's vehicle caused by an accident
- Medical expenses
IS COMPREHENSIVE COVERAGE REQUIRED?
Similar to collision coverage, comprehensive coverage is an optional, add-on coverage to keep you and your vehicle protected. If you have a loan or a lease on your vehicle, you may be required to carry both collision coverage and comprehensive coverage to protect the loaner's interest in your vehicle. If your car is relatively new and the cost to repair or replace unexpected damages done to your car is more than you can afford, comprehensive coverage may help pay for those expenses.
HOW DO I GET COMPREHENSIVE COVERAGE WITH SAFEAUTO?
At SafeAuto, we know that shopping for car insurance can be stressful and pricey. As the leading car insurance provider of state minimum coverage, we want to provide you with the comprehensive car insurance that fits your budget in as little as 3 minutes. You can get a quote online or call us at 1-800-SAFEAUTO (1-800-723-3288) to talk to a licensed representative.
HOW DO I DECIDE THE DEDUCTIBLE ON MY COMPREHENSIVE COVERAGE?
A deductible is the amount you must pay out-of-pocket before insurance pays for any expenses, up to the policy limit. A higher deductible means you will pay more out-of-pocket when costs arise, but your monthly premium will be less. A lower deductible means you will pay less out-of-pocket when costs arise, but your monthly premium will be more.
You should consider the cost of your vehicle and the amount you will be able to pay monthly vs. the amount you will be able to pay if repairs are required.
CONDITIONS, LIMITATIONS & EXCLUSIONS:
All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how the above coverage applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available 24/7 to help you customize your collision coverage at a price you can afford. Now, that’s insurance for the rest of us.