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Do You Have Comprehensive?
When discussing auto insurance, it's a pretty common question - "Do you have Comprehensive?" If you're considering how much coverage you should have and/or are wondering how Comprehensive works, here's the skinny.
Comprehensive pays for damage to or loss of your car (minus your deductible) due to perils such as fire, theft and vandalism - but not collision. In some states, this coverage also guarantees glass repair or replacement in your vehicle and, if your car is stolen, may pay for a rental car if your car is still missing after 48 hours.
Your comprehensive premium can be reduced by as much as 35% by installing a qualifying security device. It can be further lowered by choosing a deductible of $1,000 or more. Your comprehensive premium may be increased or in some cases coverage may be denied if you drive a high theft vehicle without a qualifying anti-theft or recovery device.
Your comprehensive premium can be reduced by as much as 35% by installing a qualifying security device. It can be further lowered by choosing a deductible of $1,000 or more.
If your car's value is very low, the wise choice may be to NOT buy comprehensive (unless required to by a lender). If your car has exceptional value due to its condition (classic and antique cars) you should have it appraised and properly insured before declining this coverage.
When you submit Ellis Insurance's online quote request or ask for an Insurance Tune-up on existing auto insurance, we'll review your request to ensure you are adequately covered and provide you with a competitive quote showing you how to save as much as 20%. There's no obligation, and if you have any questions, please contact us at info@ellisinsurance.com. Click here for more contact information.