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?

Answer
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.”
avatar
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies