Question 1

What is comprehensive auto insurance?

Accepted Answer

Comprehensive auto insurance covers damage to your vehicle from non-collision events like theft, vandalism, fire, or natural disasters. To find the best protection at a competitive rate, it’s smart to get multiple auto insurance quotes before choosing a policy.

Question 2

Is it worth having comprehensive insurance on an old car?

Accepted Answer

Generally, not when your car’s value is less than 10 times the premium. For older vehicles with limited value, comprehensive coverage may cost more than the potential payouts for damages.

Question 3

Will your car insurance go up if you make a comprehensive claim?

Accepted Answer

Possibly, but typically less than with collision claims. Compare auto insurance companies to find those that don&#8217;t raise rates for comprehensive claims.

Question 4

Is it better to have collision or comprehensive?

Accepted Answer

Both serve different purposes. Ideally, get both for complete protection. When comparing comprehensive versus collision auto insurance, remember that comprehensive coverage is for non-collision events, while collision coverage applies to accidents.

Question 5

At what point is comprehensive insurance not worth it?

Accepted Answer

When your car’s value drops below $3,000-$4,000, or when premiums exceed 10% of its value, comprehensive insurance may no longer be cost-effective.

Question 6

Can you drive any car with comprehensive?

Accepted Answer

No. Comprehensive insurance only covers the specific vehicle listed on your policy, not any car you happen to drive. Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.

Question 7

What is an example of a comprehensive accident?

Accepted Answer

A comprehensive accident would include your car being damaged by hail during a storm, stolen from a parking lot, vandalized, hit by a falling tree branch, or damaged when you collide with a deer. What does fully comprehensive coverage include? Theft, vandalism, fire, natural disasters, animal collisions, falling objects, glass damage, and weather events.

Question 8

Does comprehensive insurance cover engine failure?

Accepted Answer

No. Engine failure is typically considered a mechanical breakdown or wear and tear, which isn&#8217;t covered. Consider what to do if you can&#8217;t afford your auto insurance.

Question 9

Is hitting an object a collision or a comprehensive event?

Accepted Answer

Hitting a stationary object (pole, fence, etc.) is covered under collision insurance. Comprehensive coverage only if the object falls onto your car. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.

Question 10

Does comprehensive insurance cover medical bills?

Accepted Answer

No. Comprehensive coverage only covers damage to your vehicle. Medical expenses require medical payments, personal injury protection, or health insurance coverage.

Question 11

How much should your comprehensive coverage be?

Accepted Answer

Comprehensive auto insurance costs range from $35 monthly to $96, depending on your provider and where you live. Look for car insurance discounts you can&#8217;t miss to reduce costs.

Question 12

What&#8217;s the difference between full coverage vs. comprehensive and collision insurance?

Accepted Answer

Comprehensive auto insurance covers non-collision incidents like theft and weather damage, while full coverage combines comprehensive and collision coverage. Full coverage provides complete protection by covering collision and non-collision events affecting your vehicle.

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Comprehensive Auto Insurance in 2025 (Coverage Guide)

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Comprehensive Auto Insurance in 2025 (Coverage Guide)

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