If you are in the market for auto insurance you have no doubt been searching the web for auto insurance quotes, looking for just the right coverage for the price. You have looked locally, you have looked nationally, but you continue to be confused by the glut of terms used only in the insurance business. Look no further, in the interest of fully understanding auto insurance quotes, read the following few paragraphs to understand comprehensive auto coverage.
Every auto insurance policy has two types of coverage with different deductibles, collision coverage and comprehensive coverage. Collision coverage is for anytime you collide with another object other than an animal and cause damage to your vehicle. Comprehensive coverage is for the other accidents, in short, comprehensive coverage is for damage to your vehicle for any reason “other than collision”.
Auto insurance quotes won’t be greatly affected by the size of the deductible for your comprehensive coverage. Comprehensive coverage comes into play when something happens that is out of your control like hail, fire, or theft and damage is caused to your vehicle. In this instance, you would pay the first part of the cost up to your deductible amount and the insurance would pay the rest.
For example, let’s say the auto insurance quotes you are doing are for a comprehensive deductible of $500 and you have something happen to your vehicle that causes $725 in damages. You would pay the first $500 and then the insurance would pay the next $225 to repair your vehicle.
When figuring what to do with your auto insurance quotes with respect to comprehensive coverage, remember that it has nothing to do with another person’s vehicle, only yours. Auto insurance quotes are hard enough to come up with, understand what involves your vehicle and what involves the damages to another vehicle.
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