Choosing how much comprehensive insurance to get is easy since coverage levels are dictated by each car’s value. Your only decision is whether to get comprehensive coverage or not, and that choice might be pretty straightforward if you finance your car, as lenders and lessors often require the coverage. Comprehensive coverage is useful for new cars that aren’t financed, too.
Similarly, choosing where to get comprehensive insurance is simple because people typically get all of their auto insurance from the same company. Plus, WalletHub’s editors have compared the major insurers to identify the best options for comprehensive insurance, which covers incidents that are not related to a collision, including theft and damage from things like natural disasters, vandalism, animals or fire.
Best Comprehensive Car Insurance Companies
While these companies are the best for comprehensive coverage overall, the best comprehensive insurance for you depends on your unique needs. If you don’t already have car insurance, shopping for quotes and gathering other information from multiple companies is the most effective way to find comprehensive coverage that suits you.
How to Choose Comprehensive Insurance
1. Contact Your Insurance Company (If You Already Have Coverage)
If you already have car insurance, you can contact your insurance company by phone or through your online account to add comprehensive coverage to your policy. Or you can simply get a quote to compare to other options.
2. Choose a Handful of Companies to Compare
Whether you don’t currently have car insurance or you are open to switching for a better deal, you should consider factors such as ratings from entities like the Better Business Bureau, average premium costs, and available discounts when comparing potential companies.
If you are a part of a specific group like the military or AARP, you might consider insurance companies that offer comprehensive coverage tailored to you, like USAA or The Hartford. You can also look at the best or cheapest car insurance companies in your state to narrow your search.
3. Check Out WalletHub’s Reviews
At WalletHub, we regularly compare major car insurance companies based on things like their premiums, customer service, and claims processes to give you as much information as possible before you buy. You can check out our editor’s picks for the best comprehensive car insurance companies and read user reviews for the top companies to learn more.
4. Consider Deductibles
Comprehensive insurance requires the policyholder to pay a deductible when filing a claim. Deductibles for comprehensive coverage usually range from $100 to $1,000, but they can be as high as $2,500. You choose your deductible when you purchase comprehensive coverage, and the higher you set your deductible, the lower your premium will be. However, you should be careful to choose a deductible you can comfortably afford in the event of a covered incident.
To learn more, you can check out WalletHub’s guide to comprehensive insurance.
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