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Comprehensive Car Insurance Coverage

Purchase affordable comprehensive car insurance online today

Illustration of a blue car on top of sheet of paper with an auto insurance policy

What is Comprehensive Auto Insurance Coverage?

Comprehensive car coverage protects you against losses caused by covered events not related to a collision. These events often include storm damage and natural disasters, such as a tornado or a hurricane, falling objects such as a tree branch, theft, fire, vandalism, or animal damage.

With this type of auto policy, the maximum compensation you would receive if your car is stolen or totaled is the actual cash value (ACV) of your vehicle, minus the deductible.

If your car is financed, you most likely already have coverage under the umbrella of a full coverage car insurance policy required by your lender. This also includes collision and liability. Once you have paid it off, it becomes an optional coverage.

Some insurers request that you purchase collision and comprehensive together. You can find it separately though and that is one good reason to do some comparison shopping.

When people hear the word “comprehensive,” they might think they will be compensated for everything, but that is not the case. This type of policy protects you against property damage that is the result of covered risks not related to a car wreck.

Freeway agents are skilled at taking your general information and finding car insurance quotes from multiple companies so you have affordable options that meet your needs.

How Much Will Comprehensive Insurance Pay Me?

If your car is stolen or totaled, your insurance company will pay you the actual cash value (ACV) of your car, minus your deductible. Your insurance company will use different factors to arrive at an ACV figure, but you can estimate it at a Blue Book site.

Unlike most insurance, comprehensive doesn’t have a limit. It pays for damages up to and including the total cost to replace your vehicle if it is totaled and you file an insurance claim.

How Much Does Comprehensive Vehicle Insurance Cost?

It averages around $160 per year. Of course, that will go up based on the value of your car. If you have an expensive car to replace, your comprehensive premium will be more than someone who drives a basic Toyota.

Does Comprehensive Insurance Cover Car Accidents?

If the accident involves something like hitting an animal, then yes. If you are driving, hit a deer, and damaging your vehicle. That would be covered. However, if you miss the deer but hit a tree in the process, then no, that damage would be covered under collision coverage, not comprehensive.

Your comprehensive insurance does not cover any insurance claim that results from a car accident with another vehicle. It also will not cover any insurance claim for somebody else’s car.

Do I Need Comprehensive Car Insurance Coverage?

Since comprehensive covers a wide variety of events, most beyond your control, it’s probably not a bad idea to get this insurance, depending on what your car is worth. Once you establish your vehicle’s rough ACV, subtract your deductible and then subtract the six-month premium. If the resulting number is a fairly large positive number, it makes sense to continue paying for comprehensive car insurance.

Let’s walk through that. Say you’ve got a 2020 Toyota Camry SE Sedan 4D with 75,000 miles on it in “very good” condition. The car’s current trade-in value is $20,000. You’ve chosen a $1,000 deductible on your comprehensive plan. Subtracting your deductible from the car’s Blue Book value gives you $19,000. Subtracting the six-month premium of $80 gives you $18,920 – a very high positive. Unless you can come up with that much money if necessary, comprehensive is worth it.

Now, let’s say you have a 2002 Toyota Camry SE Sedan 4D with 150,000 miles on it in good condition. Your trade-in value here is $1,800. Subtract your deductible of $1,000 and you’re at $800. Subtract your 6-month premium of $80 and you arrive at $720. It’s still a positive but you have to ask yourself if spending $160 a year on comprehensive car insurance is going to give you any great value, when the most you can expect the insurance company to pay you is somewhere around $800 – if something covered happens to the car.

If the damage to repair your car exceeds its ACV, your insurance company is going to declare it totaled.

What Does Comprehensive Car Insurance Cover and Not Cover?

Comprehensive car insurance covers pretty much anything that damages your vehicle outside of a car wreck. That includes Mother Nature in the form of flood, hail, hurricanes, earthquakes and more. If something falls on your car, like a tree limb, it’s covered. Did your car get stolen? Covered. Vandalized? Covered.

Damage to your vehicle that isn’t covered is damage from a car accident. Other things that are not covered under comprehensive include belts and hoses, brakes, tires and windshield wipers. Don’t forget that there are other optional coverages that you can choose for some of these events, such as 24/7 roadside assistance, windshield repair, tire hazard protection plans and more.

Comprehensive insurance can be used for any legitimate insurance claim, regardless of who is at fault.

Find Affordable Comprehensive Car Insurance Quotes Online Today

At Freeway Insurance, we can help you make sense of the choices you have in car insurance. Contact us today for a fast and easy car insurance quote online, reach out by calling us at 800-777-5620 or stop by one of our convenient locations.

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