Comprehensive insurance covers damage to your vehicle from events other than collisions. It protects against theft, vandalism, natural disasters, falling objects, fire, and animal strikes. If something happens to your car and it was not a crash, comprehensive is the coverage that pays.
The distinction is straightforward: collision covers your car when it hits something or something hits it in a driving scenario. Comprehensive covers everything else that can happen to your car. Both cover your vehicle, but for different types of events. Most lenders require both if you have a loan or lease.
Comprehensive is typically less expensive than collision coverage because the events it covers happen less frequently than accidents. Premiums depend on your vehicle's value, your deductible, where you park, and your area's risk factors like crime rates and weather patterns.
Comprehensive coverage is one of the most affordable and valuable protections on your auto policy. Even on older vehicles, the cost is often low enough to justify keeping it. At Truscott, we evaluate each vehicle individually and advise you on whether comprehensive is worth the premium. Request a Truscott policy checkup to make sure your vehicles are properly protected.
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