About How to Choose Insurance That Meets Your Needs
Typically, the premiums for comprehensive and collision coverage are the same, though there is some room to vary your deductible to lower or raise your insurance rates. The most important factor to consider when deciding whether to increase your deductible is how much you are willing and able to pay out of pocket in the event of a claim. In general, it is best to choose a deductible that is no more than 10 percent of your Blue Book value.
In the event of a claim, the insurance company will assess the damage and determine how much it will cost to repair or if your vehicle will be declared totaled. The maximum payout will be equal to the actual cash value of your vehicle, minus your deductible. If your vehicle is deemed to be a total loss, you will receive a check from the insurer, which will be payable to either you or the lender, depending on who owns the vehicle.
It is possible to save money on your comprehensive insurance premium by adding anti-theft devices and other safety features to your vehicle. In some cases, these added security features can slash your premium by as much as 25 percent.
Uninsured Motorist Coverage
As the name suggests, comprehensive coverage is a type of car insurance that pays for damages caused by events that are outside of your control. It covers your car if it’s stolen, vandalized or damaged by natural disasters. It also covers your vehicle if it’s dented by hail or destroyed in a fire. However, this type of car insurance doesn’t cover your costs if you run into an uninsured driver, which is why it is important to add uninsured motorist coverage to your comprehensive policy.
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