What is comprehensive car insurance?

Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected by covering events other than a collision with another vehicle. It is typically purchased in addition to liability insurance, which is required by most states to drive legally, and collision insurance, which only applies to an accident involving another vehicle.

Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps.

What does comprehensive auto insurance cover?

Comprehensive car insurance coverage is a type of auto coverage that pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy. Learn more about the difference between comprehensive and collision coverages.

A comprehensive car insurance policy may include coverage for:

  • A cracked or broken windshield, depending on the state in which you live
  • Damage from hitting a deer or other animal
  • Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism
  • Damages caused by some events outside of human control, such as hail or other natural disasters
  • Damage caused by certain falling objects, such as tree branches or debris
  • Damages resulting from fires, civil commotions or explosions

A standard auto policy will not cover vintage or collector vehicles. If you own a classic car, learn more about Nationwide classic car insurance today.

Add endorsements to your comprehensive auto insurance for even more protection

It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as:

  • Accident Forgiveness
  • Towing and Labor
  • Rental Reimbursement
  • Roadside Assistance

Adjust your comprehensive car insurance policy to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

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