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Comprehensive insurance provides coverage for damages caused by something other than a collision. This coverage protects your vehicles in a wider range of situation like fire, explosion, storm, earthquake and the like. Your collision coverage does not cover a lot of perils. Comprehensive coverage will come in to play when you need coverage for your car in case the damage is not from a collision.

You may find comprehensive auto insurance coverage combined with collision coverage. However, you can purchase comprehensive separately too.

Auto repairing can be expensive if you haven't saved enough already. The out-of-pocket charges can be really high. Even small or minor damages can be taxing on the pocket. Having comprehensive coverage helps in times like this. E.g. your car's air bag or the music system could be stolen after an accident. This means an additional charge to purchase those. If you did not have comprehensive coverage, you would have to pay not just for the stolen materials but also the repairing cost of your car. However, with comprehensive coverage you can fill in the gap and just pay to purchase the stolen material and your insurance can pay that cost for repairing your car.

If you live in an area that experiences frequent weather events or crime, you will need comprehensive insurance coverage. If you live in an area where hail storm is a problem, you must have comprehensive insurance protection. This coverage is also important for those of you who drive long ways on major highways where there is the hazard of your windshield being chipped or cracked by the rocks.

However, if your car is over 10 years, you could drop comprehensive coverage. The cost to repair a car that is 10 years or more than 10 years old may surpass the ACV; hence, it is a good idea not to purchase comprehensive coverage for it.

Yes there is. You may choose the deductible that you will be comfortable paying. The more deductibles you choose the lesser will be your premiums. However, remember that a deductible is the amount that you will have to pay out-of-pocket when your car needs repairing from damage. So choose a comfortable deductible. Again there may be limits to a comprehensive coverage. Check them out before buying a policy.

Comprehensive insurance does not cover gadgets or electronic equipments like stereo, subwoofer systems, CDs, tape decks, radios, television monitors, video cassette recorders, audio cassettes and the like. Among non-electronic equipments there are luxury items like trailers, awnings, cabanas, radar detectors and other facilities installed are also not covered. There are few other instances under which comprehensive coverage is not provided:

• Your car/vehicle is seized by the government or civil authorities due to any involvement in criminal/illegal activities.
• Radar detectors are not covered.
• Custom furnishings like special carpets, furniture, sleeping facilities, cooking facilities, height extending roofs and other things like murals, graphics or paintings re not covered.

You may shop around for quotes these are also available online. Hence, you can look for a deal that would suit your need and while shopping for quotes you can also make a comparative study and find out what is covered and what is not. You may even do a complete pricing after adding liability coverage, collision insurance, underinsured/uninsured coverage and the like and then see which deal would be the best for you.