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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UPDATED: May 20, 2020

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 20, 2020Fact Checked

Here's what you need to know...

  • 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.

Enter your ZIP code for FREE car insurance quotes from multiple companies in your area today!

Is it worth getting comprehensive car insurance?

Car thief

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.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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