Comprehensive coverage reimburses you if your vehicle is damaged or stolen. It’s similar to collision coverage in that it is sold with a deductible. In some states, it’s even referred to as “other than collision” type of coverage. If you’re concerned about things like falling trees, earthquakes, tornadoes, vandalism, theft, etc., then it’s a good idea for you to start searching for a comprehensive car insurance quote.
You probably already have basic auto insurance since it’s a law in most states, but that might not be enough for you – especially if you have a newer vehicle or want more coverage that protects yourself. When your car or truck is out of commission, it can feel as though your entire life is out of order. You can’t simply drive to work like usual, or go to the store afterwards. What if your kid gets sick at school and needs to leave early? What if you have to pick your spouse up from work? How are you going to get to doctor’s appointments?
These scenarios are especially going to be problematic if you live in an area that lacks reliable public transportation. The costs of renting a car or taking an Uber around everywhere will really start to add up. Luckily, you might be able to find a comprehensive car insurance quote that includes coverage for a rental car if yours becomes un-drivable, as well as repair money to get it fixed.
Comprehensive Car Insurance Quote Contains More Than Collisions
Collision insurance alone won’t cover everything. It will cover your vehicle in the event that it is involved in an accident, but it has its restrictions. General liability insurance usually just covers the damages to the other person’s vehicle.
Once again, what IS included and what isn’t varies from state to state and insurer to insurer. This is why it’s so important to look online for multiple quotes at once. Some sites will allow you to enter information about your car, driving history, address, and other information in order to obtain multiple quotes from different companies that you can look over and compare. Pick the offer that includes all of the coverage you need. Not happy with the rates you are given? Research each and every company to find out what kinds of discounts they offer and see if you can qualify for any.
You can also bring down the premium if you increase the deductible. Decide if this will be a wise option for you. Do you have enough money set aside that you will be able to afford paying some more out of the pocket in the event that you are involved in an accident?
Whatever kind of specifics you are interested in, you can start getting a reliable comprehensive car insurance quote from esurance. It’s a great option for auto insurance, and offers plenty of discounts.