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FAQs
Is comprehensive insurance the same as full coverage?
Comprehensive insurance is one component of a full-coverage auto insurance policy. Full coverage insurance typically includes at least liability coverage, collision coverage, and comprehensive insurance
How do comprehensive deductibles work?
All comprehensive car insurance plans come with a deductible that you must pay before your coverage kicks in. The most common comprehensive deductibles are $250, $500, and $1,000. A lower deductible will increase the cost of comprehensive coverage; a higher deductible means lower premiums. Whatever deductible amount you select will be deducted from your overall comprehensive insurance payout.
Is it better to have $500 deductible or $1,000?
A $1,000 deductible decreases the cost of comprehensive coverage compared to a $500 deductible, but it also means you’ll need to pay more out of pocket before your insurance covers repair costs.
A $500 deductible is better for drivers who prefer to pay a little extra in premiums in exchange for lower out-of-pocket costs in the event of a covered loss, while $1,000 is better for drivers who want to save overall and can afford to pay $1,000 out of pocket for a major claim, such as a total loss.
Why is comprehensive insurance so expensive?
The cost of comprehensive insurance is based largely on the value of your vehicle, crime rates, weather patterns in your area, and the deductible you choose for your policy. A luxury car, a high-crime ZIP code, or a low deductible could all account for steep comprehensive premiums.
What is the difference between collision and comprehensive insurance?
Comprehensive covers non-collision damage to your car (except for hitting an animal), while collision coverage only deals with car crashes, from multi-car pile-ups to single-car rollovers. Both comprehensive and collision coverage
are key components of a full coverage insurance policy.