If you have not added comprehensive insurance coverage to your standard policy you may not have all the coverage you need. The worst part is you may think you actually are fully covered until something happens.

Finding out the hard way that your current insurance coverage does not include things such as theft or natural disasters is not something you want to experience. A lot of drivers who suffer vehicular problems such as vandalism find out when they try to get their insurance to cover the cost that they are not even covered for a problem like that.

Understanding what comprehensive auto insurance can do for you is an important first step. Comprehensive car insurance is the type of coverage drivers get to take care of incidents standard collision insurance does not include. The scary part is that the typical driver may not even know his or her insurance lacks this type of coverage. So, to get an idea of what may be missing in your policy, it is a good idea to know what comprehensive auto insurance does include.

The Comprehensive Insurance Coverage Package

Collision coverage is great for just that, collisions. When it comes to filling in the gaps in your insurance plan comprehensive has got you covered. You will take care of incidents including:

• Theft
• Vandalism
• Fire
• Storms
• Natural Disasters
• Acts of God
• Animal damage
• Windshield damage
• Falling objects

In many cases, there are other incidents that comprehensive car insurance covers, but this is a good idea of the basics. More than likely while reading the list, you noticed that there are a few items listed that you were sure your own insurance covered but may not.

Stop assuming and become an informed consumer today by gaining insight to what your current policy includes and whether it is time to get those comprehensive insurance coverage quotes for your policy.

Mistakes Drivers Make

Assuming that your automobile insurance currently includes these types of comprehensive damage issues is the first mistake drivers make. Another one is to assume cutting this type of coverage out to save money is a wise idea. The problem is the few dollars a month you may save from not including comprehensive coverage in your insurance policy won’t help if you have a problem such as fire damage that you could be paying for out of pocket.

In the long run, this ends up being a much more expensive and costly mistake. Being forced to come up with expensive car repairs or even worse replacing your car from your own savings is not worth saving a few dollars on the monthly insurance bill. You may even find after comparing different insurance rates that you can get comprehensive insurance coverage included and actually still be paying less than you are with your present policy.

The only way to find out is to obtain free rates from carriers looking to compete for your business. Take a moment to supply your zip code and find out now how you can see savings with your comprehensive auto insurance.