You might innocently go into the deal thinking you just want to be covered, but when it's all said and done your head will be spinning with new vocabulary.
You might end up wondering if you have the right coverage or if you were taken advantage of.
One of the terms that gets thrown around a lot in the auto insurance industry is comprehensive coverage.
Comprehensive, as the name would imply, means that your car should be covered from anything that might happen to your car.
The reason comprehensive coverage exists is because there are too many instances that collision and liability insurance don't cover.
What if a tree falls on your car? What if it starts to hail? What if a baseball goes through your windshield? If these questions keep you up at night, then comprehensive auto insurance will help you sleep better.
Each insurance company has it's own idea of what comprehensive coverage is, but at its core it should cover everything that might possibly happen to your car.
If there's a monster truck rally and one of the trucks gets loose and crushes your car in the parking lot, you should be covered.
However, because the insurance companies don't want to pay claims, they will come up with as many fine print loopholes as they can in order to weasel out of a situation.
That's why you want to check your comprehensive policy over, and make sure that they don't have any clauses that excludes something you want included.
Many drivers simply can't afford comprehensive insurance, so they go without.
It is more expensive than collision or liability insurance, and it is not required by state law to have it.
It is somewhat of a luxury in the world of insurance.
If you can afford a comprehensive policy then it's in your best interest to get it.
Life is unexpected and you'll regret not having it if you need it.
Many insurance providers will offer a cafeteria style comprehensive plan where you can pick and choose what you want to be covered for.
You can tailor this to suit your needs depending on the city you live in.
Maybe you want to be covered in case of a flood, or in case of tornado damage.
These are things that might affect your area but not others.
Your insurance agent should be able to customize a comprehensive plan that covers the most likely things to happen to your car, while also keeping it within your budget.
Remember that you are never nailed down with any one provider, so be sure to shop around to get the best comprehensive insurance quotes you can.