How To Compare Auto Insurance Quotes For Comprehensive Coverage

If you’re in the market to buy auto insurance online, you might want to compare a few companies before you commit to a policy. Online auto insurance companies vary on the types of coverage offered, how much coverage, and what premiums they charge. One area of coverage that can be particularly different among agencies is comprehensive coverage. The great news is you can go online to compare auto insurance quotes from multiple companies to find one that’s not only affordable, but one that offers the comprehensive coverage you desire.

What is Comprehensive Coverage?

Comprehensive coverage offers protection against natural disasters such as floods, high winds, blizzards, a tree falling on your vehicle, etc. It also covers theft, vandalism, and fire. It is similar to collision coverage in that it covers accidents that are not caused by another driver. Without comprehensive coverage, you will be responsible for repairing or replacing your vehicle if something happens that’s not covered under your regular policy. Comprehensive coverage generally covers your vehicle up to its fair market value, minus the car insurance deductible. Comprehensive coverage is not legally required in any state, but you will likely need this type of coverage if you have your car financed with a lender.

Though it may cost a little extra on your premium, comprehensive coverage offers several major benefits. One is the peace of mind it gives while owning a vehicle. You might think calamities will never happen to you, but they can happen to anyone at any time. Your car could unexpectedly be involved in a flood, wind storm, hail storm, fire, or become a target for theft or vandalism. It matters not where you live or how often these occurrences happen to others around you. With comprehensive coverage, you’ll have peace of mind whether driving around your own neighborhood, parking in the city or in your own garage, or traveling abroad.

Another benefit is you’ll have less confusion with your auto policy with comprehensive coverage. If a calamity were to happen, you can easily review your comprehensive package to make sure your vehicle is covered. Without a comprehensive package, your vehicle may or may not be covered under certain circumstances.

Lastly, comprehensive coverage is available through many auto insurance companies online at various rates so you can find a package that fits your needs and budget. When doing an online auto insurance comparison, you can review what’s covered in each company’s comprehensive offer and the various prices. You can also compare overall pricing for entire policies including the liability, collision, uninsured and underinsured motorist, medical payments, etc. Look for insurance “extras” offered by each company such as towing insurance, daily rental insurance, emergency roadside assistance, and auto glass coverage.

Narrowing Your Search

Use a dependable auto insurance comparison website to review various companies and their policies and premiums with and without comprehensive coverage. Once you have a list of auto insurance quotes, call or e-mail several agents to learn more about the company. Also, check for customer reviews of the companies online or ask around in discussion forums to see how the company fairs among its customers. Try to locate at least a couple of people who have actually filed a claim with the company recently. This will let you know if the company can be trusted when it really counts.

Print the policy coverage from the comparison website or from the insurance company’s main website so you’ll have a hard copy of everything that’s covered, including what’s covered under the company’s comprehensive package. Also, take written notes while speaking with the agent, and be sure to get the agent’s first and last name in case you need to speak with them again. Before signing on with a company for auto insurance online, be sure to get all the coverage required by your state and your auto lender if your car is financed.

Use these tips to find affordable auto insurance quotes online for comprehensive coverage and all your insurance needs!