You may have heard about the different types of auto insurance coverage, but one of the best one is comprehensive coverage because if you car is totaled but due to any circumstances unrelated to a car accident, comprehensive insurance will pay for it.
Comprehensive auto insurance covers damage caused by wind, earthquake, flood, natural disasters, weather damage, vandalism and any other unpredictable events that you are not responsible.
If you are are paying your car with a loan, you will need to have comprehensive coverage.
Also if you purchase a luxury or very expensive car is recommended to have this type of coverage to protect your investment.
The common deductible is about $250 and $500 for each incident.
The higher your deductible the lower your premium cost would be.
One of the advantages of smaller deductibles is that some body shops may not claim them if they need to do major repairs on your car.
But if you choose to get a higher deductible, be aware that you need to have the cash in case of an accident.
Keep in mind that if the value of the car isn't worth it, carrying comprehensive coverage may not be of value to you.
If your vehicle is only worth a few thousand dollars then is not recommended to get comprehensive insurance.
You should read your insurance policy and ask you insurance agent exactly what does your policy covers and what not.
If the damage to your car is caused by inappropriate maintenance then your policy may not cover it.