What does comprehensive insurance mean

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That's why we provide features like your Approval Odds and savings estimates. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. If you do, your lender may require you to buy it. Here are some situations where comprehensive insurance could come into play.

Comprehensive insurance can help fill in certain coverage gaps on your policy. Comprehensive insurance typically comes with a coverage limit — the maximum your insurance company will pay on an approved claim. The coverage limit is usually equal to the actual cash value, or fair market value , of your car. In the case of a total loss, the insurance company might provide you with the actual cash value of the car, minus your deductible. Get quote. Zip Code.

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If you have paid off your car, comprehensive coverage is optional. It may be a good idea to find out the Kelley Blue Book value of your vehicle. Would you be able to pay that amount to repair or replace your vehicle if it were stolen or damaged in an accident? If you can't afford to pay much out of pocket, then buying optional coverages, like comprehensive coverage and collision coverage, may be a smart investment.

How much are the annual premiums for comprehensive and collision coverage? The Insurance Information Institute suggests that you take the amount you'd pay in one year for comprehensive and collision coverage, and multiply that number by Is your car worth less than that number? Then comprehensive and collision coverage might not be a cost-effective option for you. In other words, you might want to talk to your agent about whether it makes sense to include these coverages on your car insurance policy.

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