Comprehensive car insurance can help pay the costs of a lost car or car damages due to an incident not related to a collision. It is insurance that gives you protection against nature, criminals, and maybe even bad luck. Comprehensive insurance can be highly affordable, and it’s ideal for most drivers.
Not all insurance plans are created equal; Peyton and Aaron know that, but there are fantastic insurance companies out there, and with the right tools, research, and professional help, you can get the policies you need with the coverage that’s best for you and your situation.
Again, comprehensive automobile insurance may help replace or repair your vehicle from non-collision events. It’s coverage for your car that may pay for non-accident-related events such as theft, natural disasters, vandalism, fire, civil disobedience, etc. Experts agree that most drivers benefit from comprehensive insurance.
What is Covered by Comprehensive Car Insurance?
Not all plans and insurance companies are the same, so the coverage, deductibles, and limits vary. Comprehensive automobile insurance covers your car and protects you financially from non-accident-related damages and losses related to your automobiles.
Your policy should cover costs and losses due to hurricanes, tornadoes, fire, theft, vandalism, civil disorder, hitting an animal while driving, and other natural disasters.
{{Talk with your insurance company, or give us a call at 480-391-3883 if you want to know what your existing policy covers.}}
*Make sure to ask your broker about flood insurance for your car if you are in an area where floods occur.
What Is Not Covered Under Comprehensive Insurance?
Comprehensive car insurance does not cover damages and loss to your car in an accident (especially if you are at fault?). It’s insurance that covers other things that happen to almost everyone.
It will not cover:
- collisions with other vehicles and objects, i.e., trees and buildings, if you are responsible*
- medical expenses
- legal Fees
- lost income for you or passengers
- damage to another person’s car from a collision
- civil disobedience
- hitting an animal while driving*
For example, comprehensive coverage will not cover your medical expenses after an accident, and it will not reimburse you for time off work.
*Some insurance plans may provide coverage if you hit an animal while driving.
What Does Comprehensive Car Insurance Cost?
According to a study by the Insurance Information Institute conducted in 2017, the average cost across the United States was roughly $160 a month. That said, many different factors determine your rate, like your driving history, age, the car, etc. an insurance broker will ask you questions to ensure you get the coverage you need and the discounts you are qualified to receive. Some car owners can add comprehensive automobile insurance to their policy for as little as $10 a month. Compare plans, work with an experienced professional, and you will save money when choosing your coverage.
What is the Deductible for Comprehensive Car Insurance?
A deductible is the amount of money you pay before your insurance policy goes into effect. After you pay the deductible, your insurance will cover the rest of your costs up to your policy limits.
As with insurance plans, deductibles vary. Most deductibles are $500 or $1,000, but there are coverage options with no deductible and options with higher deductibles.
Your insurance broker can present you with different options and show you what changes when you change your deductible. Deductibles can also affect your monthly payment. For example, if your policy was $100 per month with a $500 deductible, you could save quite a bit of money, especially over decades, by opting to pay the higher $1,000 deductible.
Contact us today for a free estimate. We’ll review your current policy, your current needs and make sure you and your family are covered.
What Does Comprehensive Insurance Get You?
The first thing to keep in mind is that not all insurance plans are the same. Carriers often have different policies and coverage options, plus their plans and coverages change often. It’s impossible to know what everyone gets from opting for comprehensive insurance. Still, with an A-rated insurance company, you at least get extra protection for non-collision accidents or unexpected life events, plus peace of mind knowing you won’t be out of a car if something goes wrong.
That’s why having an independent broker is essential. They look for opportunities often to save you money and make sure that any policies you do get offer what you want and need.
Plus, picking the right coverage options for you and your family can be complicated, which is why working with a trained professional is the savvy route. Your broker or agent will work with you, ask questions, and develop an option or options that fit your wants and needs.
Be sure to review everything and ask questions until you understand your policy and coverage.
Why Would I Get Comprehensive Insurance?
The quick and straightforward answer. In most cases, opting for the coverage is the most prudent and responsible decision. Peace of mind is priceless, and comprehensive automobile insurance provides that for your car. With all the theft, vandalism, and natural disasters that occur across the country, paying a little extra for security is smart. It’s insurance to protect you from those unexpected things we all live through.
If you have an old car with no value and no assets, you may waste money on comprehensive car insurance. Everyone’s situation is different; contact us today to see if comprehensive auto insurance is necessary.
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Let us do the hard work and find the best rates and coverage options!Contact San Tan Insurance(480) 391-3883San Tan Insurance works with A-rated insurance companies. We can review multiple plans with you from several insurance companies, and together, we find the option with the best overall value!
