State Farm comprehensive insurance covers damage to the policyholder’s car that was caused by something besides an accident, such as vandalism or a natural disaster. State Farm comprehensive coverage is subject to a deductible and will pay to repair or replace the covered vehicle up to its actual cash value.
What State Farm Comprehensive Car Insurance Covers
Vandalism and damage from civil disturbances
Damage from falling objects, like trees
Animal damage, including damage caused by collisions with deer
Damage from natural disasters and other weather events, like hail
Glass damage that was not caused by a car accident
Comprehensive insurance is not mandatory in any state. However, dealerships and lenders generally require it on leased and financed cars in order to protect their investment.
Many drivers purchase comprehensive insurance together with collision insurance, which pays to repair or replace the covered vehicle after a car accident regardless of who was at fault. Policies that include comprehensive and collision insurance plus the state’s required insurance are often referred to as “full coverage.”
You can log into your online account on the State Farm website or call customer service at 800-STATE-FARM (800-782-8332) to add comprehensive insurance to your policy.
A good comprehensive deductible is an amount that the policyholder can afford to pay if their vehicle is suddenly damaged by something other than a car accident, such as vandalism or a natural disaster. Comprehensive insurance deductibles typically range from $100 to $1,000, but they can sometimes be as high as $2,500. You choose your … read full answerdeductible when you purchase your policy, and the higher the deductible is, the lower your premium will be.
As a reminder, a comprehensive deductible is the amount that you have to pay out-of-pocket when filing a comprehensive insurance claim. For example, if a hailstorm causes $5,000 in damage to your car and you have a $1,000 deductible, your insurance company will only pay $4,000 for the repairs.
Before you decide on a deductible, you should consider how likely you are to file a comprehensive claim. If you live in an area that is prone to natural disasters or has a high crime rate, for instance, it may be a good idea to get a low comprehensive deductible.
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.… read full answer
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the actual cash value (ACV) of a vehicle, minus the policyholder’s deductible. Comprehensive deductibles often range from $500 to $1,500.
To receive a comprehensive insurance payout for theft, drivers should immediately file a police report and then include a copy when they file a claim with their insurance company.
Yes. State Farm insurance rates are competitive. State Farm ranks 3 overall in WalletHub’s national cheap car insurance study. The average cost of a full-coverage State Farm car insurance policy is $341 per month. You can also find sample rates for six different driver profiles below.
Overall, State Farm's auto insurance rates tend to be lower than those charged by most other major insurers, including Nationwide, Allstate, and Travelers.
State Farm is a strong contender for customers who still want the personalized attention of an individual agent. State Farm has one of the best reputations in the auto insurance industry, with excellent customer service and claims support.
State Farm’s car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.
Our sample quotes are representative of State Farm’s insurance prices, but individual results will vary. For example, these quotes do not take into account any State Farm discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete State Farm car insurance review.
Ultimately, knowing that State Farm is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.
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