The Driver’s Guide to Comprehensive Insurance

Comprehensive insurance is actually a type of coverage most drivers may think they have with standard car insurance coverage but are probably wrong. If you are the type of driver who only wants or needs liability insurance, then comprehensive insurance may not be what you need. Or if you live in a state that requires PIP or Personal Injury Protection then you may not need comprehensive. However, if you want total protection or have a financed car, more than likely you will not only want comprehensive car insurance you will be required to carry it.

The first thing you should know is what exactly comprehensive auto insurance is. Understanding what comprehensive car insurance coverage is, will help you be certain you have total coverage when it comes to protecting your car and yourself as a driver. There is some confusion generally about comprehensive versus collision insurance coverage, but once you comprehend comprehensive it should all make sense.

The Basics of Comprehensive

When it comes down to understanding your own car insurance coverage or options, one thing that can get confusing is what exactly comprehensive car insurance is and how it covers drivers. Here are some things to know about comprehensive auto insurance to help you gain a better understanding:

Generally, comprehensive insurance is the coverage that covers issues other than collisions with other cars. The problem is many drivers assume their collision coverage takes care of any problems that may arise, including all collisions.

While some collision policies do cover all types of accidents, many do not. For example, if you have an accident with another vehicle then you should be covered. However if you have a collision with a deer or even a structure such as a house, your collision policy probably will not cover it.

Comprehensive takes over where collision does not, in most cases. Aside from collisions with animals or inanimate objects your comprehensive usually also protects against fire, theft, vandalism, floods, natural disasters, Acts of God or other types of damages that are not covered under other auto insurance policies.

The driver would still be responsible for the deductible as is standard with all insurance policies. Also, you will probably still want collision insurance and may be required to have it. In fact you may even need gap insurance coverage on top of your comprehensive coverage.

Where comprehensive and collision leave off, gap auto insurance picks up. For financed cars you often need all three of these. While the first two cover your damages often, gap helps if the car should be completely damaged and totaled out or is stolen and unrecoverable. The amount you owe for your car loan is usually much greater than the value of the car. If the car should be totaled out your standard insurance would only pay what the value of the car is, leaving you responsible to pay the rest out of your own pocket. To insure this difference, you will also need GAP insurance.

Do You Need it?

If you have a financed car, more than likely you need comprehensive auto insurance. Or if you have a car of great value that you want more than liability auto insurance on, you may also want collision and comprehensive. Although it is not required by any state it is more than likely mandatory by the guidelines of your car loan lending company. The problem is if you do not have all of the coverage in place that you need your finance company may do this for you.

The insurance coverage a lending company tacks on to a financed vehicle is never cheap. Often times you may not even know the lender has added comprehensive insurance or other types of car insurance you are lacking until the end of the loan. Or until what you thought was the end of the loan. When you go to make your final payment you are likely to find you still have a large balance due. This balance will be the insurance coverage the lender put in place for your financed car.

Other Things to Ponder

If your car is of any value you will probably want to have comprehensive car insurance as well as collision. There are too many things that can happen to your vehicle and things you cannot plan for. Of course, there are also a lot of factors that go into determining what your policy premiums may be. For instance:

Where you live – Your state right down to your zip code will have a lot to do with your premium costs. Take for instance states with a higher likelihood of tornadoes. Then factor in what your rates could be if your zip code falls into an area that doesn’t have as high a chance of getting hit with a tornado. Right away, this helps lower the likelihood of you having higher rates for this part of the state.

Where you park at night – Aside from your zip code even where you park at night has a lot to do with the premiums. If your vehicle is kept safe from theft, vandalism or even storm damage inside a garage you will probably have lower rates. However, if you park on the street in an area known for higher crime or statistically more chance of storm damage, you may have higher rates.

Your deductible and method of payment – The higher the deductible the lower the premiums. Of course, be careful because a high deductible like $1,000 may make it difficult for you to come up with at the time of a claim. Just avoid having too small a deductible because your rates will be higher. Also, when making your payments try to set this up for auto pay. Skipping having the bill sent out will help cut down on your monthly payment amounts.

If you are ready to find out how low your insurance rates could be all you need is your zip code to get started. By doing this you will get the comprehensive insurance you need to be protected.

Comprehensive Insurance in Florida: Making the Most of Your Auto Coverage Protection

Although not required by law, comprehensive insurance can protect your car and your assets in the event of an accident or other incident.

In Florida, the insurance requirements for all drivers include a $10,000 property damage liability policy as well as a $10,000 policy called the Florida no fault insurance or personal injury protection coverage. This policy is only concerned with personal injury protection; it has nothing to do with any property that has been damaged in a vehicular accident. It is important to note that these two policies may not provide you with all the insurance that you need.

Personal injury protection (or PIP) was originally meant to protect the state from excessive lawsuits, but there are cases where fraud is committed.

Why Comprehensive Insurance May Make More Sense

The Florida no fault policy will only cover injuries, which may or may not exceed the $10,000 amount of the policy. The same can be said for the property damage liability coverage.

Consider this:

In many cases, property damage plus personal injury will exceed the combined amounts of the two minimal policies. For instance, if you hit an elderly couple in a Mercedes, the expenses can accumulate quite quickly.
Your liability insurance coverage will not cover the replacement cost of your own vehicle.
If you have financed your vehicle through a bank or financing company, your liability insurance may not cover the full cost of vehicle plus its financing/interest costs, leaving you to foot the bill.

Additional Protections through Comprehensive Insurance

Liability insurance will only cover damages to another person’s vehicle and only in certain situations. So, what happens if your car is stolen and then damaged before being returned, or worse, is never found again? What protection should you have in place?

Comprehensive insurance is meant to protect your vehicle and, in the case of financing, the lien holder’s interests as well. In addition to damages caused by an auto thief, comprehensive insurance can provide protection for:

Damages that are caused by a collision with an animal. In Florida, there are instances of cars hitting alligators that are walking onto the roadways, which may cause serious damage. Other animals may also be problematic.
Damages caused by something that has flown out of someone else’s vehicle or has bounced up from the roadway.
Damages caused by a falling tree limb or other object.
Damages caused by acts of God such as serious weather. Florida is known for pleasant weather conditions throughout much of the year, but can often see serious conditions including hurricanes, flooding, landslides and similar tragedies.

It is important to note that in Florida, like in most states, collision insurance only covers vehicular damage that occurs when there is a collision, as the name implies. It is also important to note that in many cases, a collision may lead to additional damages, including hitting other types of property that may not be covered in a simple liability or collision insurance policy.

Pennsylvania Comprehensive Insurance

Pennsylvania is a no fault state but that does not protect your vehicle in an accident.

Insurance can be confusing and may seem very expensive to the average person, especially for something that you hope you will never need or use. For every year that you go without an accident, you grumble and growl thinking that you have yet again wasted a whole year’s worth of premiums and for what? For a service that did nothing for you, for twelve months! But, the minute you have an accident and the bills start rolling in, you quickly understand that not only are you going to be glad that you have the minimum insurance, you are going to be glad that you were smart and got additional coverage as well.

The Threat of Driving in Pennsylvania without Insurance

If you are caught without insurance in the state of Pennsylvania, you face penalties, fines and more expenses. These can include:

Your license can be suspended for three months for a first offense and longer for a second or additional offenses
Your registration will be subjected to the same type of suspension
You will have a $50 restoration fee to pay once the suspension has expired
You may have a number of fines that can range in costs depending on the situation
Your car may be impounded
You will be required to show proof of insurance at the time you apply to have your license and registration reinstated. You may also have to show that proof periodically as determined by the court. Your insurance may be the high risk insurance, which is far more expensive than other types of insurance coverage.

Those situations are the best/worst case scenario meaning that nothing terrible happened. But, what if something terrible does happen and you do not have auto insurance on your vehicle? The costs of even a minor accident can be devastating to your family.

Pennsylvania Drivers and the Four Legged Obstacles They Face – DEER

It sounds like the set up for a funny joke: what is cute, furry and costs more than three billion dollars a year? But, once you look at the statistics, deer quickly stop being so cute and the joke is nowhere near funny. Deer cause more than a million and a half vehicular accidents every year and cause costs that total nearly four billion dollars. Two hundred people die every year after an accident with a deer.

Even in an accident where there is not a fatality, there can be serious injuries and serious damage to the vehicle. In most accidents where a deer has been hit, the deer will die and the car will be totaled. Collision insurance will not cover the cost of this damage because it did not involve another car.

Determining the Best Deductible

In Pennsylvania, like other states, comprehensive insurance requires a deductible. The deductible is an amount that you pay before the insurance kicks in. You have the ability to change that amount when you start your insurance policy, adjusting it up or down to suit your needs. The higher the amount of your deductible, the lower your up front, premium will be. However, keep in mind that while you are saving money right now, if something happens that would require insurance coverage, you will have to face a potentially large bill before the insurance company will pay. That high deductible can be hard to pay all at once if something has happened to your car.

If you are buying insurance from an insurance agent, they will probably suggest that you go with a mid way point- a slightly higher deductible but not one that is so high that it would be hard to pay out in the event of a covered incident.

Comprehensive Insurance Coverage

In addition to protection for damages caused by deer or other animals in Pennsylvania, comprehensive insurance also covers:

Theft
Vandalism
Objects falling from vehicles, bridges or trees
Glass breakage
Natural disasters such as hail, snow, floods and more

During the winter months, ice and snow can be a major concern in Pennsylvania. Another problem that drivers in the Keystone State may have to deal with is called black ice. Black ice forms on the roadways and is particularly dangerous because it is not immediately seen. Usually you don’t know it is there until you are slipping and sliding toward a ditch, a tree or string of mailboxes. It is only one of the major hazards that can be seen in the winter months here.

Car Theft in Pennsylvania

In 2009, nearly 18,000 vehicles were stolen in the state of Pennsylvania. Not only do you lose a vehicle, there might be additional problems, financially and legally, when this happens. If you do not have insurance on the vehicle, you are not going to be financially protected, no matter what happens. You may be able to legally protect yourself from any obligations once the car was reported stolen, but you will still have to pay for it. You will still have to pay for a replacement. (Now you are paying for two cars!)

If you don’t report it stolen and the thief commits another crime using your car, you may face a number of criminal charges.

By having comprehensive auto insurance, you protect yourself legally and financially. Report your stolen vehicle as soon as you discover it missing and then file your insurance claim. Once the car is listed as stolen, it is unlikely that you would be charged for those additional crimes if there are any committed.

Many cars are never seen again. Those that are found are usually damaged beyond usability. Liability insurance or collision insurance will not cover those damages at all. You need comprehensive insurance for that.

Texas Comprehensive Insurance – Understanding Requirements and Protection

There is a difference between meeting insurance requirements and actually getting good protection for your vehicle.

In the state of Texas, there is a requirement for insurance coverage. That legal minimal insurance is meant to protect all drivers, but the problems you are left facing can include these:

Not enough coverage to fully pay for another person’s vehicle
Not enough coverage to pay for all medical expenses
No coverage for your own vehicle at all

That last one is the killer, right? No coverage at all for your own vehicle if you only have the minimum, required liability insurance. If you have financing on your vehicle, the finance company will require more insurance because they want to protect their investment and property. It is your car, you drive it, but if something happens to that car, it is the financing company that will lose out and they may pursue legal actions to get back some of the money they have lost.

What is the Minimum Insurance Coverage Amount?

In Texas, you are legally required to provide insurance, which is called 30/60/25. That means that you are providing $30,000 in medical payment coverage for each person injured in an accident, for a total of $60,000 per incident. In addition, you must also provide $25,000 for property damage per accident. Simply put, if you hit a $75,000 vehicle in your own $50,000 car and injure four people, you will be left with a huge amount of money that you are personally responsible for beyond what the insurance will cover.

How Comprehensive Insurance Coverage Makes Sense for You

In addition to the minimum insurance coverage that you are required to have when you drive or register a car in the state of Texas, most people will buy other coverage types, including the comprehensive insurance option. With this option, you are buying insurance coverage that will keep you from being hit with major expenses from non-collision accidents or damages from other types of problems such as theft or vandalism.

Comprehensive insurance also will pay for a rental car or other type of temporary transportation when you are without a vehicle because of any covered event including theft or repairs that occur after accidents.

Consider the Conditions on the Roads in Texas

Why do you need comprehensive auto insurance coverage if you are not required to have it by law? Think about the roads in Texas and the conditions you might be faced with while driving there. These conditions can include:

Busy roadways with thousands of other drivers in the major cities
Remote roads that may be in various states of disrepair
Rural roads where you might encounter random animals, including misplaced livestock
Roads prone to flash flooding. These roads may be covered in water or covered in mud where the water has already receded

In addition to the conditions on the roads, you also need to consider some of the weather and other conditions in Texas, which can include hail, driving rain and flooding in some years or droughts and wild fires in other years.

Comprehensive Insurance and Auto Thefts

In 2007, Texas ranked number two on the list of the top ten states for car theft in the United States. Neither collision insurance nor liability insurance will pay you a single cent if your car is stolen. That means that if your car is financed and is stolen, you will still have to pay the cost of the car, without being able to drive it at all because it is gone. If that car is recovered but damaged, you are still out a vehicle and still paying for it.

Comprehensive insurance will cover the cost of your vehicle’s market value minus your required deductible if it is stolen, whether it is recovered or not but only if you report it to the police. There are instances where people will not report their car stolen because they may think it was taken by a family member or others or may even know that it was taken without permission.

In addition to theft, comprehensive insurance will also cover the cost of repairs if the car is vandalized. Vandals often do things such as slash tires, damage the gas tank or may break windows in the vehicle for many reasons.

Comprehensive Insurance, in Addition to, Not Instead of

In most cases, your agent will discuss the need to include comprehensive insurance in addition to other types of insurance instead of relying on it solely for your car and family’s protection. It is important to make sure that you have the right kind of coverage for your personal needs.

California Comprehensive Insurance

The insurance laws in California changed in 2006 and the changes may impact how your insurance coverage is handled, so always make sure that you are adequately covered.

In 2006, California made some changes to how insurance for licensed drivers in that state was handled. You are required to provide proof of financial responsibility to legally register a car in the state of California. That coverage must provide financial coverage not only for property that might be damaged in an accident, including cars or real property, but also must provide some financial coverage for injuries incurred in an accident.

In addition, all insurance companies are also legally required to electronically report the status of this insurance to the California Department of Motor Vehicles, where it can be immediately accessed by law enforcement officials and court employees.

This requirement does not pertain to commercially registered or business vehicles.

Comprehensive Insurance Means More Protection for Your Car

Liability insurance, the lowest available amount of coverage, only covers the cost of damages to the other person’s vehicle, not damages to your own. If you have a lien on your vehicle, the lien holder may require that you have at least collision insurance, which covers damages to your car in the event of an accident. Comprehensive insurance covers other types of damages that collision does not. These can include:

Damages caused by theft whether the car is recovered or not
Damages caused by vandalism
Damages caused by accidents involving animals
Damages caused by falling items

Comprehensive insurance is not required in California. However, it is strongly advised in most cases. Consider the value of your car and the potential for damages that you may face.

Situations Where Comprehensive Insurance Makes Sense

Comprehensive insurance may be the best idea in several different situations, including:

In areas of California where natural disasters such as flooding, earthquakes or landslides may be more likely
In areas where the risk of vandalism and theft is higher
In areas at high risk for wild fires

Special note: it is important to note that earthquakes may not be covered by all types of comprehensive insurance policies, especially in areas at the highest risk for them. In those areas, it may be necessary to buy a specifically written policy directly labeled as earthquake protection.

Dealing with a Comprehensive Insurance Claim in California

If you have a claim to file under a comprehensive insurance policy, there are a few things to keep in mind.

Remain calm and make sure that the vehicle is not going to be damaged further. If you need to move it from the roadway, for instance, do so after establishing locations of items. Take pictures if possible.
Keep a list of model numbers and other identifying marks of items inside of your vehicle that might be covered under the comprehensive insurance policy.
Call your insurance company’s claim lines. Some agents prefer that you call them directly and may come to the scene personally. In this case, the agent may make the call to the claims line for you.

Comprehensive vs. Collision – Do You Understand Your Coverage?

If you were asked about whether your auto insurance policy includes comprehensive insurance coverage, would you even know the answer?

In fact, it is quite important that you make sure you understand what exactly comprehensive car insurance is. It may come as a bit of a shock, but many drivers are under the false assumption that their policy already includes coverage for any and all of the issues comprehensive auto insurance takes care of.

To find out, all you have to do is contact your current insurance provider and ask these types of questions about your policy as it stands at present:

“If my car is stolen will it be replaced?”
“Is damage to my car that results from flooding or other storm related incidents covered?”
“Who pays for repairs to my car if the damage is caused by an animal?”
“If my car is damaged as the result of vandalism, will the repairs be taken care of by my insurance policy?
“I’ve heard that many types of insurance policies do not cover ‘acts of God.’ Does my car insurance policy currently cover damage from something considered an ‘act of God’?”

All of these are factors that are covered by comprehensive car insurance. If it isn’t already part of the policy you currently have, you could be taking a huge gamble with your coverage. Having gaps in your policy or lacking the coverage you need could result in paying expensive repair costs from your own pocket. Still you may not truly grasp the severity of what this entails.

“Paying Out of Pocket Can’t Be That Bad”

Unfortunately, many drivers are under the false impression that if they were forced to pay some of their car repair expenses out of their own pocket it would be manageable. Unless you have a considerable amount of savings put aside for expenses like this you are most likely fooling yourself into believing something that is not true. Consider some of these scenarios:

If you do not have comprehensive insurance coverage and your brand new car suffers vandalism you may be paying for all of the repair from your own pocket. If you have priced just the cost of an entire body repaint recently you should already be aware that this is probably not an expense that would be easy to manage unexpectedly.

You could be leasing a car because you like to be able to change vehicles every few years without the commitment of being tied down to one vehicle. However if you do not have comprehensive car insurance and the car you are leasing gets totaled in a natural disaster, you will probably be stuck buying that car. Not only will you be forced to buy a car when you only wanted to lease it, but that totaled car won’t even be drivable so you will be left paying for a car you can’t do anything with.

You get a brand new car of your dreams and drive it off the lot feeling certain you have all the insurance required in place for it. The very first night you drive it home your car becomes the innocent victim that gets burned as the result of a nearby house fire. The next day you contact your insurance company to find out about a replacement vehicle only to find out there won’t be one. Without comprehensive insurance coverage you could be left with no new car at all before even having made the very first loan payment on it.

Hopefully, this puts things in a better perspective for you. This should give you a more realistic look at the importance of having comprehensive insurance coverage for your automobile, especially if you are still making payments on it. It is extremely important that you do not assume that you have any coverage for your car other than collision. If you have any doubt in your mind, it is time to work with your insurance provider to review and understand what your policy covers.

“But I Opted Out of Comprehensive to Save on My Premiums”

If you thought you would be a thrifty driver and save money by leaving out the comprehensive car insurance so you would have lower premiums, keep in mind you are getting what you pay for. Cutting coverage means cutting corners on your policy not just your finances. In other words, it is more like taking a gamble with your money and your insurance.

Unless you have a good deal of money set aside in savings for the possibility of needing major car repairs, then saving money on your monthly premiums is not worth the risk. The thing to understand about collision insurance is that it usually covers just what the name implies, collision only. The problem is there are plenty of factors that can cause damage other that a collision that you may not even be considering.

Aside from collision, what happens if:

The body and/or windshield of your car are damaged or destroyed by hail.
While you are camping, a bear tears into your soft-top convertible for that bag of chips you forgot about in the back seat.
A potted plant falls from the balcony of an apartment terrace and destroys your windshield.
Lightning takes down a tree while you are parked at the local park causing severe damage and possibly even complete destruction.

The bottom line is that life can throw expected obstacles in your path literally, and accidents are not the only expensive car related issue you may have to contend with. If you have been assuming your collision insurance is enough to make the needed repairs or replace your car, you may be completely misinformed.

The good news is you do not have to take the risk another day longer. By offering up just your zip code you could be getting the comprehensive car insurance quotes you need right away.

Put an end to the gamble today and get your comprehensive auto insurance quotes.

Not Having Comprehensive Car Insurance Is a Risky Gamble

If you are looking for ways to save on car insurance, you may have opted to skip having comprehensive insurance coverage. The problem is there are much better ways to save on your car insurance bill than cutting out types of coverage you really do need. Saving a couple of dollars per month up front can actually lead to much greater out of pocket expenses down the road.

The idea is to learn where you can cut your automobile insurance expenses without taking huge risks with your car insurance coverage. To be a wise consumer and make informed decisions about your automobile coverage, you should be aware of what comprehensive car insurance is. Not to mention you should know about other ways you can find cheap insurance rates.

Comprehensive Car Insurance 101

To get the basic idea of what comprehensive insurance covers, you should consider that most drivers end up carrying just collision insurance. This is fine when you think about only having a collision. So much more can happen to a vehicle aside from a collision however.

Can you be certain your policy covers things such as:

vandalism
theft
fire
flooding
storms or other natural disasters
falling objects
animals
acts of God

So, if you were to avoid having comprehensive car insurance just to save some money on your premiums, you can see just part of the many things that could happen that you would not be covered for.

Other Ways to Cut Corners

Instead of opting out of comprehensive car insurance, consider other ways to save money on your auto insurance policy. One way to do so is to change the amount of your deductible. The deductible is the amount of money you pay out of pocket at the time of a claim before your insurance pays the rest. Most people choose low deductibles so that if they have an accident they will not have to pay much from their own savings to get the car repairs needed.

The problem with this approach is that you often pay more than needed per month on premiums. Increasing the amount of your deductible lowers the amount of what your pay each month to have your insurance. Changing from a $500 deductible to a $1,000 deductible can be a great way to see cheap car insurance rates.

Another great way to save some money is find out about things you can do that insurance companies tend to offer discounts for. One example is just bundling your services. What this means is that if you are open to getting all of your insurance needs through one provider, you could see great savings. Find out if combining your car insurance, home insurance, renters insurance, boat insurance or other types of necessary coverage under one company will help you save money.

Also many insurance agencies offer discounts for drivers who take drivers training courses, if you reach a certain age or, in some cases, to reward customers who are also actively involved in charity work. There are actually quite a few surprising things different insurance companies offer discounts for. When getting quotes or while deciding between a few ask directly about what kind of discounts each one offers.

Don’t Forget to Review the Numbers

Comparing auto insurance rates is also an effective approach towards seeing savings. Drivers tend to settle for the first policy they find or never bother to check later to see if they could be saving money. Car insurance policy providers tend to be very competitive. By simply looking at the rates available to you, you may find you have already been overpaying.

This is especially true if you have recently gotten married, had your 25^th birthday or an infraction from years ago finally came off your record. At least once a year you should get rates from insurance companies who are competing for your business to find out what each one has to offer. Never settle when it comes to your policy and never take on such brand loyalty that you are unwilling to do an annual “expense checkup and comparison” to other providers in the industry.

If you are getting a new policy or it is time for your annual rate “check up” all you have to do is provide your zip code to get comparison quotes and start saving money today. For the best in comprehensive car insurance rates let us help you find the coverage you need at prices you can afford.

The Importance of Comprehensive Auto Insurance

If you have not added comprehensive insurance coverage to your standard policy you may not have all the coverage you need. The worst part is you may think you actually are fully covered until something happens.

Finding out the hard way that your current insurance coverage does not include things such as theft or natural disasters is not something you want to experience. A lot of drivers who suffer vehicular problems such as vandalism find out when they try to get their insurance to cover the cost that they are not even covered for a problem like that.

Understanding what comprehensive auto insurance can do for you is an important first step. Comprehensive car insurance is the type of coverage drivers get to take care of incidents standard collision insurance does not include. The scary part is that the typical driver may not even know his or her insurance lacks this type of coverage. So, to get an idea of what may be missing in your policy, it is a good idea to know what comprehensive auto insurance does include.

The Comprehensive Insurance Coverage Package

Collision coverage is great for just that, collisions. When it comes to filling in the gaps in your insurance plan comprehensive has got you covered. You will take care of incidents including:

Theft
Vandalism
Fire
Storms
Natural Disasters
Acts of God
Animal damage
Windshield damage
Falling objects

In many cases, there are other incidents that comprehensive car insurance covers, but this is a good idea of the basics. More than likely while reading the list, you noticed that there are a few items listed that you were sure your own insurance covered but may not.

Stop assuming and become an informed consumer today by gaining insight to what your current policy includes and whether it is time to get those comprehensive insurance coverage quotes for your policy.

Mistakes Drivers Make

Assuming that your automobile insurance currently includes these types of comprehensive damage issues is the first mistake drivers make. Another one is to assume cutting this type of coverage out to save money is a wise idea. The problem is the few dollars a month you may save from not including comprehensive coverage in your insurance policy won’t help if you have a problem such as fire damage that you could be paying for out of pocket.

In the long run, this ends up being a much more expensive and costly mistake. Being forced to come up with expensive car repairs or even worse replacing your car from your own savings is not worth saving a few dollars on the monthly insurance bill. You may even find after comparing different insurance rates that you can get comprehensive insurance coverage included and actually still be paying less than you are with your present policy.

The only way to find out is to obtain free rates from carriers looking to compete for your business. Take a moment to supply your zip code and find out now how you can see savings with your comprehensive auto insurance.

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