Cheap Comprehensive Auto Insurance
Getting cheap comprehensive car insurance depends on your driving history and credit as well as the insurance company. You can find cheap comprehensive car insurance from USAA, Geico, and State Farm.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you have a car that is new or financed, you will most likely want to carry comprehensive coverage
- Before you contact an agent, be certain of everything you would like covered under your auto policy
- Never choose a deductible higher than you can afford in an emergency
The search for cheap comprehensive car insurance means you recognize the need to protect the investment in your vehicle. If you decide that you do need to carry comprehensive coverage, then you need to make sure that you know exactly what you are getting.
Did you know that even if your car is several years old, it is probably still worth thousands of dollars?
You just have to consider the types of cars that are on the road today. Take a moment to figure out if you need comprehensive coverage and, if you decide that you do, learn the ins and outs of comprehensive coverage before shopping around.
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Is it worth getting comprehensive car insurance?
Could you afford to pay for the replacement of your vehicle if you were in an accident?
Comprehensive coverage makes sense for most drivers today, but that doesn’t mean you need to overpay for car insurance. Inexpensive comprehensive car insurance is possible; you just have to know how to shop for it.
Comprehensive insurance covers a multitude of damages, but every policy is different. Most of these policies cover:
- Theft
- Water damage
- Fire damage
- Vandalism
- Broken windshields
- Animal damage
Before you sign your name to any contract, always read the fine print so that you completely understand the terms and conditions — and especially the exclusions — in the policy.
If you happen to live in a rocky area, such as Colorado, windshields can be easily damaged. Having a policy that excludes windshield replacements would not make much sense for your particular case.
Know your situation and what you want to be covered when it comes to your vehicle.
One of the largest differences between comprehensive coverage and liability coverage is that with comprehensive, your car is covered even if an accident is your fault while liability only repairs the vehicle of the other driver when you cause a crash.
It is reassuring to know that, regardless of what happens, your car would be covered in the event of an accident.
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Finding Cheap Comprehensive Car Insurance Policies
How do you get a deal on this type of insurance policy? Having good credit and a clean driving record are two ways to ensure lower premiums.
If you have some small blemishes on your record, such as a speeding ticket, you can talk to your insurance provider about discounts for attending driving safety courses.
Even if your driving record is spotless, allowing others in your household with less-than-stellar records to drive your car can also raise your rates.
The type of car you drive may increase your insurance rates as well.
If you are in the market for a new car and are considering different options, you may want to contact an insurance agency to get some basic quotes of different models.
Deductibles and Other Issues
For a lower premium, you can also figure out the right deductible for your situation.
If you were to get into an accident tomorrow, how much could you really afford to pay out of pocket?
Making the deductible as high as you can afford will help to keep your premiums low. However, you don’t want it to be so high that you are unable to pay it.
Finding the balance is the key to getting a good price on your premium.
Choosing between the market value for your vehicle and the agreed upon value will also affect the monthly price you pay.
Most insurance companies will give you the market value for your car if it gets totaled — this value matches the claim and nothing more.
If you think your car is worth more than whatever they are offering you, you can ask for an agreed upon value — a figure both of you agree to before a claim on the car is ever made. Of course, the agreed upon value will raise your premiums, sometimes significantly.
The best thing you can do to help yourself find cheap comprehensive coverage is to comparison shop.
Go online or call around and get various price quotes from insurance companies. Always read the fine print of the contract and see exactly what each policy is offering. Having comprehensive coverage in place can certainly help bring you peace of mind.
You can get started in your search right now! Enter your ZIP code below to compare comprehensive policies from the top insurance companies in your area.
Case Studies: Finding Affordable Comprehensive Auto Insurance
Case Study 1: John’s Affordable Comprehensive Auto Insurance
John was looking for affordable comprehensive car insurance that would provide him with the coverage he needed without breaking the bank.
After comparing quotes from various insurance companies, he found a great deal with USAA. Their comprehensive coverage offered him peace of mind at a reasonable price, considering his clean driving record and good credit history.
Case Study 2: Sarah’s Cost-Effective Comprehensive Coverage
Sarah wanted comprehensive car insurance that wouldn’t strain her budget. She conducted a thorough comparison of insurance providers and found that Geico offered the most cost-effective option for her.
With their comprehensive coverage, Sarah felt confident that her vehicle would be protected against non-collision events without paying excessive premiums.
Case Study 3: Mark’s Reliable Comprehensive Insurance
Mark understood the importance of comprehensive coverage for his car, especially considering the high risk of theft and vandalism in his area.
After researching different insurance companies, he discovered that State Farm provided the best comprehensive insurance policy for his needs. Their coverage included protection against a wide range of damages, giving Mark peace of mind on the road.
Frequently Asked Questions
What is comprehensive auto insurance?
Comprehensive auto insurance is a type of coverage that protects your vehicle against damage caused by non-collision events, such as theft, vandalism, fire, natural disasters, and falling objects. It provides coverage for a wide range of risks, in addition to the mandatory liability coverage required by most states.
Can I find cheap comprehensive auto insurance?
While the cost of comprehensive auto insurance can vary depending on several factors, such as your driving history, location, and the value of your vehicle, it is possible to find affordable options. By comparing quotes from different insurance providers and taking advantage of available discounts, you can potentially find cheap comprehensive auto insurance that suits your needs and budget.
What factors can affect the cost of comprehensive auto insurance?
Several factors can influence the cost of comprehensive auto insurance. These may include your driving record, the make and model of your vehicle, your location, the deductible amount you choose, your age, and your credit history. Each insurance provider may weigh these factors differently, so it’s worth shopping around for the best rates.
Are there any ways to lower the cost of comprehensive auto insurance?
Yes, there are several ways to potentially lower the cost of comprehensive auto insurance. Here are a few tips:
- Increase your deductible: Choosing a higher deductible can lower your premium, but be sure you can afford to pay the deductible in case of a claim.
- Bundle your policies: Many insurance companies offer discounts if you combine your auto insurance with other policies, such as homeowners or renters insurance.
- Install safety features: Some insurers provide discounts if your vehicle has safety features like anti-theft devices, alarm systems, or anti-lock brakes.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help reduce your insurance premiums.
Are there any discounts available for comprehensive auto insurance?
Yes, many insurance providers offer various discounts that can help you save on comprehensive auto insurance. These may include:
- Multi-policy discount: If you have multiple policies with the same insurance company, such as auto and home insurance, you may be eligible for a discount.
- Good driver discount: Insurance companies often provide discounts to policyholders with a clean driving record and no recent claims.
- Safety feature discount: Installing safety features like anti-theft devices or anti-lock brakes can sometimes earn you a discount.
- Pay-in-full discount: Paying your premium in full instead of monthly installments can result in a discount.
- Good student discount: If you or a family member on your policy is a student with good grades, you may qualify for a discount.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.