Should I opt for comprehensive coverage on my 2012 Toyota 4Runner?

I have liability insurance on my 4Runner. I'm thinking of adding collision, but I'm unsure about comprehensive. Do I really need it?

Apr 28, 2021
Answer provided by
Eric Schad
Answered at Apr 28, 2021
Collision coverage and comprehensive coverage typically go hand in hand. But just because you have one doesn’t mean you need the other.
Collision is nice to have because your car gets fixed regardless of who’s at fault. Comprehensive can also be nice too, especially if your car is of higher value and you live in a place with extreme weather.
You might just try getting a high deductible on your comprehensive (if you can afford it) to keep your rate on the lower side. That way, you’re covered for perils like natural disasters, fire, vandalism, theft, and fallen objects, even if you have to shell out a bit more money before the insurance company pays up.”
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