What is Comprehensive Car Insurance?

When you hit the road, you want to feel secure that you are backed by an insurance plan that has you covered no matter what happens. That’s why drivers often ask us, “What is comprehensive car insurance?” However, there is no such thing as comprehensive car insurance — but “comprehensive” is a specific coverage type you can add on to your auto insurance plan.

At Unruh Insurance, we’re a PA Auto Insurance Agency that makes it easy to understand the ins and outs of insurance. In today’s blog, we’re explaining what comprehensive coverage is, what it covers, and why it can be an advantage for drivers. As always, we make it simple to get a quote on the insurance coverage you need — request your FREE quote today!

Benefits of Comprehensive Coverage

While “What is comprehensive car insurance?” isn’t exactly the right question, it definitely puts you on the right track. Adding comprehensive coverage to your policy can expand the coverage of your vehicle — and it can give you the ready-for-anything confidence you need. Comprehensive coverage protects your vehicle from other types of damage beyond collision.

Here’s what comprehensive coverage can include:

Vandalism — Unfortunately, this type of damage can happen more often than anyone would like to think it does. Comprehensive coverage handles any auto body damage that could be caused from this.
Theft — Without comprehensive coverage alone, you will not get the replacement car you need in the event someone stole your car.
Damage to glass — Damage to the windshield or windows can occur outside of an auto accident, and this additional coverage can be crucial in off-setting the cost of repair.
Damage from hitting a deer or other large animal — Hitting any large animal can cause a huge amount of damage to your vehicle. Having this additional coverage ensures you can have the immediate repair you need.
Fire — A fire can cause damage that leaves your vehicle undriveable — having coverage against this non-collision peril is important.

Meant to go hand in hand with collision coverage, comprehensive coverage options are often included in most of the auto policies we write. While this coverage type is not legally necessary, if you have a loan on your car, your loan holder will require you to add it.

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However, even if it isn’t a requirement, most drivers still opt for it. The monthly addition to your premium is fairly small compared to the coverage you get in return. From our many years of experience, this additional coverage is worth it to protect the asset that is your car — and it gives you true peace of mind.

Want full coverage for every aspect of your life? Learn all about personal umbrella insurance policies.

Why Work with a Local Insurance Agency

pa auto insurance agency offering comprehensive coverage

As is the case with wondering “what is comprehensive car insurance?” there isn’t always a simple answer. This is why it is so important that you have someone knowledgeable to talk to about these important financial decisions.

At Unruh Insurance, we’re a midsize insurance agency that has the advantages of a huge company, while offering one-on-one relationships with our clients. This lets us be the best of both worlds when it comes to auto insurance coverage.

You can call us or stop by and visit one of our locations to have a discussion with your insurance agent and get real answers on the spot. Whether you’re contemplating adding new coverage or have questions after filing a claim, our team is always there to help.

Another reason to trust Unruh Insurance, we always offer FREE quotes, so get yours today!

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