Comprehensive Auto Insurance

Imagine that you're running to the local 24-hour grocery store late at night to pick up a few items. When you get to the store, you notice that the parking lot is fairly empty save for a couple of cars and a couple of loiterers near the back. You feel a little uncomfortable, but you just need to run in and grab some bread and milk and you know it can't possibly take more than a couple of minutes. You enter the store, quickly locate the desired items, pay the cashier and head back outside. Suddenly, you feel a wave of dread and you know something isn't right.

As you approach the parking lot, you realize that your suspicions are true. A dark car is peeling out of the lot at full speed, and your own car sits where you left it, except the windows have all been smashed. Even your windshield has a gigantic hole straight through the center. Your prized mp3 player and GPS system have been ripped out, and your custom leather seats have been slashed. You're shocked - you were only inside the store for ten minutes. You can't remember what those loiterers looked like and you weren't able to catch the license plate of the speeding car. You walk back inside to dial the police but, you know in your busy city, the thieves are as good as gone.

Being Prepared

We all assume that something like this will never happen to us, but there are always factors beyond our control. A large deer could run out in front of your car on your way to work, or a thick tree limb could fall onto your car during a heavy thunderstorm. No matter what the case may be, you cannot assume that your current auto insurance plan covers everything. When it comes time to renew your policy, you might consider adding comprehensive coverage. If you do not have comprehensive auto insurance, there is a good chance you will have to pay these types of repairs out of pocket.

Other types of car insurance cover traffic accidents. For example, collision insurance covers costs to your car after an accident. Liability insurance covers the damages to another driver's car if you are found at fault for an accident. Bodily injury insurance covers medical expenses if you are hurt in a car accident. However, none of these types of coverage will do much good if your car is vandalized, stolen, or totaled by an animal or storm.

Comprehensive auto insurance covers the "bad luck" types of things that can happen to anyone at anytime, and it will cover repairs in full - save for the deductible that you must pay. Although these events can happen, it's unlikely that they will happen often and most people choose a high deductible in order to keep their premiums manageable. The good news is, even if your deductible is high, it's still probably a lot less than paying for 4 brand new windows, a windshield and an interior on your own.

Who Needs Comprehensive

However, comprehensive auto insurance is not necessarily for everyone. If you have an older car or your car is not in the best of conditions, then you might consider leaving this off your policy because it might not be worth the premiums. If you have a newer car, your car is in great condition or you've recently invested a lot of money into your vehicle, then comprehensive coverage is probably a worth addition.

Take some time to consider comprehensive auto insurance and speak to your agent about adding this to your policy. Although you may feel it's a waste of money now, you'll feel a little more at ease every time you get behind the wheel.