You’ve found your dream car and now you’re ready to buy. But how much insurance should you get, and what kind? One question we hear a lot from Albertville drivers is, “What does comprehensive insurance cover?” Despite its name, comprehensive coverage doesn’t cover everything. Comprehensive insurance is different from “full car insurance,” which is actually a combination of insurance policies that each cover something different. What does comprehensive auto insurance cover compared to other types of auto insurance? Generally speaking, comprehensive car insurance covers damage due to uncontrollable events that aren’t related to a collision. That means protection from a wide array of events including theft, vandalism, fires, rockslides, weather-related damage, and accidents with animals.
There’s a considerable amount of overlap between comprehensive coverage and the other two main insurance types, liability and collision. Most Gadsden drivers are required to purchase liability insurance under state law, and comprehensive and collision coverage is optional. If you buy more than the required liability insurance, you’ll choose a primary insurance type. The primary coverage will kick in first and cover everything within its limit. After that, the secondary policy or policies resolve any remaining expenses. Read below for an overview of the main insurance coverage types:
As you decide which insurance package to purchase with your new vehicle, try our payment calculator to find the right fit for your budget.
If you’re still unsure about what is comprehensive coverage and whether you need it for your Huntsville drives, the financing experts at Alexander Dodge Chrysler Jeep RAM are happy to answer questions and provide details. Reduce the likelihood of accidents by keeping up with your vehicle’s maintenance schedule and knowing when to rotate your tires. Stay connected on the Fort Payne roads with the Uconnect® system, and be sure to check out our service specials for Gadsden drivers.