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Want to know what comprehensive car insurance is all about? Then, keep reading the find out.
There are a number of types of auto insurance available. Comprehensive car insurance is intended to provide a wide range of protections, against more than just collisions. Most of us think of auto accidents first when we think of insurance, and that’s sensible!
Of all the things that can happen to you and your car, a collision is the most likely to be catastrophic financially. Damages to the vehicles and their occupants can be extreme and the financial repercussions without insurance would be unthinkable for most of us.
There are many other things to consider, though. Cars can be stolen, or vandalized. The best kids in your community are likely great kids…but there have been bad kids in every community since time began, and “pranks” and petty crime have attracted the bad kids for just as long.
Even good kids can be lured into a bit of egging on Halloween, and your car’s paint job may suffer. A wire can work loose in the electrical system, starting a fire. Weather can damage your car — as can the sorts of accident that are not technically considered collisions. If, for example, you encounter a large deer on a dark night in the middle of a poorly lit road on a tight curve, you may call it a “collision” but your insurance company and the state legal system may not.
These sorts of issues are covered by comprehensive car insurance. Combined with forms of warranty and coverage from dealers, comprehensive coverage can cut your likely expenses in car repair and maintenance down to a trifle, though it will do so the same way any other insurance product will: by charging a small and steady rate over time, instead of hitting you in the bank account in one blow.
That last, of course, matters to all of us. We may want to save the pain of that one blow, but we’d like to save as much as we can on the monthly payments, too. That only makes sense: it may be right to pay a fair price for a fair service, but to pay more than market value on any expense, much less a constant expense, is foolish.
The best way to avoid paying more is to get quotes before buying insurance. Agencies will provide quotes, and quotes can be had online at a moment’s notice. So be sure to gather your information, compare quotes, consider your own needs, and buy the best plan for you and your car.
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