Owning an automobile can be both rewarding and frustrating. It can open up a world of transportation options and aggravate you on the same day due to some unforeseen issue. Protecting your car with auto insurance is a must, but you need to be wise about the policy you choose. Comprehensive coverage is worthwhile for a variety of reasons.
What Is Comprehensive Car Insurance?
Comprehensive insurance covers just about any imaginable damage to a vehicle that doesn’t involve a traffic collision or rollover. It shouldn’t be confused with full coverage, as it protects the automobile itself only. You could be having a perfectly fine day visiting a friend before realizing a tree limb has fallen on top of your car, damaging the body significantly. This would be a case where you’d want to file a claim for your damaged automobile, but what if your policy doesn’t include comprehensive auto insurance?
What Does Comprehensive Insurance Cover?
There are many reasons you might file a comprehensive insurance claim. A policy that includes comprehensive coverage protects your vehicle against the things in life you have little control over, such as:
- Falling objects
- Fires and explosions
- Hitting an animal
- Damage due to severe weather
Comprehensive coverage will generally include a deductible. The amount can vary from around $500 to $1,500, which is a small amount to pay if the damage to the vehicle is quite significant.
How Much Does Comprehensive Coverage Cost?
Sometimes the cost of being without a vehicle is far greater than the price of comprehensive coverage. Comprehensive coverage may not be mandated by California state law, but it’s definitely useful in a variety of scenarios. You’d have to receive a quote to pinpoint the exact cost of a policy. Factors considered in setting insurance premiums include the type of vehicle as well as your driving record and credit history.
Is Comprehensive Coverage Worth It?
Your car is valuable, and you’d be imprudent if you failed to protect it with the right auto coverage. You likely don’t have the money to pay for a new car if your vehicle is destroyed by something like inclement weather, which would impact your ability to get to work, meetings, appointments, lectures, the grocery store, and everywhere else your automobile takes you. You can’t bet on luck. Be prepared for the unfortunate incidents in life. The extra money it costs to have a policy that includes comprehensive coverage is worth it.
Whether you need reliable, affordable auto coverage or dependable business, homeowners, or renters insurance, turn to Altra Insurance Services. For high-quality coverage and outstanding customer service, reach out to our experienced agents. Give us a call today at 619-474-6666 to learn how you can save money on all your insurance needs.