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Comprehensive car insurance is also known as other than collision (OTC) coverage. That means you’ll be covered for damage not resulting from a car accident.

In general, comprehensive will cover the following:

  • Fire
  • Vandalism
  • Theft
  • Hail, wind and storm damage
  • “Acts of God” like a tree falling on your car
  • Riots
  • Explosions
  • Earthquakes

These incidents are generally not in the control of the owner or driver of the vehicle.

Comprehensive Auto Insurance Deductibles

Comprehensive insurance has deductibles. Deductibles are the amount of money you have to pay before your insurance company begins paying the bills. The higher the deductible the less the premium you pay.

You can usually select from $250, $500, or $1,000 deductibles. When selecting a deductible, know what the car is worth and what you’ll be able to afford to pay in the event of an incident.

Will You Always Need Comprehensive Insurance?

Once your payments are over, determine what your car is worth. If you find that comprehensive insurance might end up costing more than it could potentially save, you might want to consider dropping that coverage.

Also, if the car is only worth around $2,000 or so, it may not be worth purchasing comprehensive insurance at all.