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Home » What Is Comprehensive Insurance?
December 25, 2023
Bargain Insurance Connection

What Is Comprehensive Insurance?

Comprehensive coverage, often found in auto insurance policies, might raise a question – what exactly does it cover? Essentially, it’s a protective shield for your vehicle against damage not caused by a collision. This includes unforeseen events such as theft, vandalism, natural disasters, or encounters with wildlife.

Unlike liability or collision insurance, comprehensive coverage handles situations beyond your control, making it a valuable addition to your policy. Plus, it’s typically optional unless required by a loan or lease agreement, offering flexibility based on your needs.

Can I Have Comprehensive Coverage Without Collision Insurance?

Yes, it’s entirely possible to have comprehensive coverage without collision insurance. Most companies are flexible and allow you this option. Primarily, this type of coverage is beneficial for cars in storage or those not frequently driven. Nevertheless, these vehicles still need protection against factors like theft, vandalism, or weather-related damage such as hail. Thus, comprehensive coverage without collision insurance offers a balanced blend of protection and cost-effectiveness.

Is Comprehensive Considered “Full Coverage”?

No, comprehensive insurance is not synonymous with the term “full coverage” is often used to refer to policies that include both comprehensive and collision coverage. You might wonder why. Well, collision coverage ensures your vehicle is covered regardless of who is at fault in an accident. Therefore, the inclusion of both comprehensive and collision coverage within a policy creates a broader safety net, hence the term “full coverage.”

Tree fell on top of a car - covered by comprehensive insurance.

Do I Have a Deductible With This Type of Insurance?

Yes, comprehensive insurance policies typically come with a deductible. Your options for this deductible can vary, spanning from $100 to as much as $2,500. Nonetheless, the most frequently chosen deductible tends to be $500. This particular amount provides a sensible balance, perfectly blending cost and coverage aspects. So, while you have a range of deductibles to choose from, it’s essential to select one that suits your unique needs and financial situation best.

Can a Financed Car Only Have Comprehensive Only?

If you’re financing your car, your lender will mandate certain insurance requirements. Specifically, you’ll need both comprehensive and collision coverage throughout the loan period. This dual coverage requirement is a safety net for lenders, ensuring their investment is protected. It guarantees they’ll receive payment, even if your vehicle ends up classified as a ‘total loss’ following an accident. Hence, it’s vital to maintain adequate coverage for your financed car, not only for your lender’s peace of mind but also for your own financial security.

Does Comprehensive Cover Collision With a Deer?

Yes, comprehensive insurance does cover mishaps involving wildlife, including deer. This type of insurance is specifically designed to protect you from such unpredictable events. However, it’s worth noting that if your car collides with an object or another vehicle, you won’t be covered under comprehensive insurance. Instead, this scenario falls under the umbrella of collision insurance. Thus, understanding the nuances of your insurance policy can help you be prepared for a wide variety of situations.

Where to Get Comprehensive Insurance?

Bargain Insurance Connection, a leading provider, offers both comprehensive and collision insurance. This ensures you’re fully protected, whether you’re faced with an unforeseen event or a car collision. The process is straightforward, designed to cater to everyone’s needs, regardless of their insurance literacy level.

Moreover, with the transition to online platforms, getting a quote has never been easier. Simply visit our website, fill in the necessary details, and instantly receive a free quote. It’s efficient, easy, and user-friendly.

Offering Comprehensive Insurance in Missouri, Kansas & Illinois

At Bargain Insurance Connection, we’re proud to extend our superior comprehensive insurance services to residents of Missouri, Kansas, and Illinois.

It’s our mission to provide reliable, affordable coverage that gives you peace of mind while keeping your financial stability intact. So, if you’re in Missouri, Kansas, or Illinois, and you’re seeking comprehensive insurance, look no further than Bargain Insurance Connection. Rest assured, with us, you’re always in safe hands.

Get Comprehensive Car Insurance Quote

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