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Do you need comprehensive insurance on a car?

Is it worth carrying comprehensive insurance? I have a 2000 Audi TT.

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whether you decide to carry
comprehensive insurance
 will depend on:
  • cost of carrying comprehensive
  • actual cash value of your vehicle
  • age of your vehicle
Most
car insurance companies
 limit full coverage insurance on vehicles older than 20 years. This is because the actual cash value of vehicles is often very low on vehicles older than 20 years.
If your vehicle is totaled, your insurance will pay out the actual cash value of your vehicle.
If you can afford to replace your vehicle out of pocket or the cost of comprehensive insurance is more than your vehicle’s value, you can comfortably skip comprehensive insurance.”
MORE:
How To Determine The Retail Value Of Your Used Car
Types of InsuranceComprehensive Coverage
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