Comprehensive Insurance

Are you looking for cheap comprehensive insurance? Would you like to save time, effort and a lot of money? Now, you can! Complete our simple online form and make the insurance companies compete. It only takes a couple of minutes. Having the freedom to choose will guarantee you finding the right policy for you.

Click here to get FREE comprehensive insurance quotes and save up to $450

Make sure the details you provide are accurate. Add as many drivers as you need to your policy and select your liability limits. We will do the rest.

What exactly is comprehensive insurance?

Great question! The term ‘comprehensive insurance’ can be a bit misleading. You can’t be blamed for thinking that such coverage gives your car a comprehensive protection against everything that can go wrong.

The reality, however is slightly different. Comprehensive insurance will compensate you for damages to your car, which are not a result of a collision. Fire, theft, vandalism and storm are good examples. If you would like to be protected even if you crash your car, then you will need to add collision coverage to your policy.

In fact, collision and comprehensive coverage are often bundled together and called full coverage auto insurance.

If your car is damaged, your insurer will cover your loses up to the limits specified in your policy. Minus the deductible amount, of course, which is usually between $250 and $1000. Remember that higher deductible will result in lower premiums. But don’t select an amount you aren’t comfortable paying.

Is comprehensive insurance actually required by law?

No, it isn’t. All you have to purchase by law in most states is liability insurance. Some also require uninsured motorist coverage. If you live in Florida or any of the other No-Fault state, you will be required to buy Personal Injury Protection, PIP insurance, instead.

The liability insurance has two parts – bodily injury and property damage. What you have to remember is that the basic liability insurance only covers other people involved in an accident you have caused. It gives you protection against lawsuits and takes care of damages you are liable for. But what about your injury or damages to your car? If you only get the minimum insurance required by law, you will be paying all expenses out of your pocket.

Just imagine. You are getting ready to go to work, as you do every morning. You go out of the house to find that your car is… not there. It has been stolen. Do you know what is the only thing worst than having your car stolen? Not having comprehensive insurance when it happens. Can you afford to just buy a new one? How are you going to keep paying that auto loan?

How much does comprehensive coverage costs?

Less than you may think. Sure, it will increase your premiums a bit. But the protection it gives you is definitely worth it, especially if you drive an expensive car or track.

When it comes to auto insurance rates, there isn’t a simple formula to calculate costs. It all depends on your circumstances. Do you have a clean driving record? Any accidents or traffic violations in the last few years? How is your credit score? Do you drive a lot? These are all very important factors. Even your age and gender are taken into consideration. And yes, women do pay less for car insurance.

The only way to find out for sure how much comprehensive insurance will cost you is to compare quotes from different companies. Never settle for the first quote you get. Even if it seems like a good deal. Double check. Even triple check. Insurance expert recommend getting between 3 and 5 quotes before making your choice.

The good thing is that you don’t have to waste hours on the phone speaking with different companies and insurance agents. You can do it all online in minutes. Wouldn’t it be great if you could find great coverage and still save hundreds of dollars?

Start here by filling our online form and compare no obligation quotes