Comprehensive auto insurance can be an ideal option for many drivers in Spokane, WA, but it may not be the best choice for everyone. Understanding what is and isn’t covered will help you make an informed decision when you purchase an auto insurance policy.
The Advantages of Comprehensive Auto Insurance
Comprehensive auto insurance covers multiple perils that auto liability and collision auto insurance don’t cover. Comprehensive auto insurance includes coverage for theft, vandalism, hail, fallen trees, natural disasters, flooding and animal collisions. If you own a new or valuable vehicle, comprehensive coverage will give you peace of mind knowing that you won’t have to worry about large auto repair bills after an unfortunate incident.
The Drawbacks of Comprehensive Auto Insurance
The main drawback of comprehensive auto insurance is that it costs more than collision or liability auto insurance. If your car is old or not worth much, it may be cheaper to repair or replace it yourself than to purchase comprehensive insurance.
What’s more, comprehensive insurance doesn’t cover everything. It doesn’t provide roadside assistance or car rental reimbursement. You would still need to add these extras to your auto insurance policy. And comprehensive won’t increase your liability coverage the way an umbrella insurance policy would.
Need Help? Capital Insurance Offers Expert Assistance
Our team at Capital Insurance specializes in helping Spokane, WA drivers pick auto insurance that meets their specific needs. Call us to learn more about comprehensive auto coverage, discover policy add-ons, or obtain comparative price quotes. We look forward to helping you get the best deal we can offer.
