Why do you need comprehensive insurance?

Why do I need comprehensive insurance on my vehicle if I've never been in an accident and I don't have a car loan?

Answer
“Both comprehensive insurance and collision insurance are optional coverages.
This means that you aren’t required to add them to your policy. The only time that both are required is typically if your vehicle is financed.
Since you don’t have a car loan, you aren’t required to carry comprehensive insurance. However, it may still be beneficial to you.
Comprehensive insurance covers damage done to your vehicle by a covered peril. This often includes:
  • broken glass
  • contact with an animal or bird
  • theft
  • vandalism
Since comprehensive covers things that are not collision related, you can still benefit from it without having been in an accident.
If price is a factor in whether to carry comprehensive insurance, you should shop around. Byfree Jerry app, you can look at rates with the top 45 car insurance companies and find the best deal for you.”
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Emily Maracle
Answered on Jul 15, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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