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What Is Comprehensive Auto Insurance?

Updated: January 2016

"What is comprehensive insurance?" When you're thinking about buying car insurance, you have a number of factors to consider, and you might ask yourself this question.

Comprehensive Auto Insurance Infographic.

A Definition of Comprehensive Insurance Coverage

When people hear the word "comprehensive," they might think "all-encompassing"— but in car insurance terms, the word has a different meaning.

Comprehensive coverage may help protect your car against damages that are not related to a collision, such as:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters (like a hurricane or a tornado)
  • Falling objects
  • Damage done to your car by animals
  • A civil disturbance (like a riot that results in damage or destruction of your car)

As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy.

What Does Comprehensive Insurance Cover?

As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy.

Video Transcript

Explainer Video (1:50): What Is Comprehensive Coverage?

Announcer (voiceover): Comprehensive coverage is available to protect you against vehicle damages not caused by a collision. For example, it may protect you against vehicle damages caused by:

Announcer (voiceover): Theft, vandalism, natural disasters, falling objects, fire, hail, flood, animal damage.

Announcer (voiceover): Why consider comprehensive coverage? Well, could you pay out of pocket for damages if, say, you hit a deer, damaging your car? If not, comprehensive coverage may be able to help you.

Announcer (voiceover): In some cases, comprehensive coverage might be required. For example, if your car is leased or if you still owe money on your loan, the lending institution may require this coverage. Check with your lending or leasing institution to determine whether it's required.

Announcer (voiceover): Even if comprehensive isn't mandatory, consider: Would you be able to afford to fix or replace your car if it was damaged by a hailstorm? The protection offered by comprehensive coverage can help set your mind at ease.

Announcer (voiceover): Something else to consider is your deductible amount—the money you have to pay out of pocket in the event of a claim. It's a good idea to set the deductible at a level you can afford to pay.

Announcer (voiceover): So, now you have a little more information on the benefits of comprehensive coverage, which can help protect you against vehicle damages not caused by a collision. In some cases, it may help protect against vehicle damages caused by: theft, vandalism, natural disasters, falling objects, fire, hail, flood and animal damage. Check with your lending or leasing institution to find out whether comprehensive coverage is required.

Questions? Contact an Allstate agent.

(Hand writes: www.Allstate.com)

1-866-621-6900

Why Buy Comprehensive Coverage?

When you're shopping for an auto insurance policy, you should determine whether comprehensive coverage suits your needs. Here are a couple of questions to ask yourself to determine if you may want comprehensive coverage.

  • Does your lender or lease holder require comprehensive coverage? Many auto lenders and lease holders make it mandatory for your car to have comprehensive coverage. If you still owe money on your vehicle, or you lease your vehicle, you should check with the institution that holds your auto loan or lease to make sure comprehensive coverage is a requirement.

  • How old is your car and what's it worth? If you have paid off your car, comprehensive coverage is optional. When you're considering purchasing comprehensive coverage, it may be a good idea to find out what your car's Kelley Blue Book value is, so that you know if you will be able to afford to repair or replace your vehicle if something happens to it. With an older car that's not worth as much money, you may be confident that you could afford to pay to repair or replace it. But, if your car is worth more or if you would not have the money at hand for repairs or replacement after an accident, buying optional coverages, like comprehensive and collision coverage, may be a smart investment.

It may be tempting to save money on car insurance premiums by opting not to buy comprehensive coverage on your vehicle. But, if your car was damaged, would you be able to afford to fix or replace it? When you're deciding to get comprehensive coverage, it may be a good idea to weigh the higher premiums that comprehensive coverage will likely lead to against how much money it could cost you to repair or replace your car in the event of a covered loss. Comprehensive coverage can provide you the peace of mind of knowing you are protected in the event of a covered peril.

As always, talk to an insurance agent to discuss all of the options open to you as you look for an auto insurance policy that's right for you.

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Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2016 Allstate Insurance Company, Northbrook, IL.
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