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Comprehensive Coverage
What is comprehensive coverage?Comprehensive coverage is the part of an insurance policy that covers the cost of damages to your car caused by anything other than an accident, including fire, break-ins, theft, natural disasters, and vandalism. You will even be covered if you hit an animal. Get a comprehensive car insurance quote >> Who needs comprehensive coverage?Everyone would do well to purchase this type of coverage. You will rest easier knowing you won't have to dig into your pocket if something unexpected happens to your car. However, if your car is old, broken down, or has a low value, and you could replace your vehicle for under $4000, then it might make sense for you to omit this type of coverage. Weighing the payments and the deductible against the cost of replacing the car, it may make better sense financially to opt against purchasing this type of coverage, and instead, save those funds to purchase a new car. How does the deductible affect comprehensive coverage?When you choose a deductible amount, you are choosing the amount of the damages you will pay in the case that you file a claim. For example, if you choose a $500 deductible and your damages cost $1000 to fix, then you must pay $500 at the time of the accident before the insurance company will cover the other $500.The deductible you choose will affect the cost of your monthly payments. The higher the deductible that you pick, the lower the amount of your payments. On the other hand, if you choose a lower deductible, you will pay more on each bill. Choose your deductible based on your budget restrictions. Does comprehensive coverage take care of damages to my windows and windshield?Yes and no. Comprehensive coverage will take care of the costs of damages to your windshield in the states where it is illegal to drive with a broken one. Windows, however, are a different matter. If you purchase comprehensive coverage, you should opt for the full glass coverage. The few extra dollars you invest will more than pay for itself with the repair of just one broken window. Get a FREE auto insurance quote today >>
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