Auto Insurance - Comprehensive Coverage
The O'Quinn Insurance Agency offers insurance in the greater Volusia and Flagler county areas including Ormond Beach, Port Orange, DeLand and Daytona Beach.
Definition of Comprehensive Coverage
This coverage typically pays for damages on covered costs that aren't caused by a collision. Here are some examples of the types of situations that can be covered:
- Storm or natural disasters
- Vandalism
- Theft
- Broken window or windshield
- Hitting an animal
- If something falls on your car
The actual cash value of your car is the most that this coverage can pay out - and it factors in things like your car's purchase price, age and wear and tear. This coverage also has a deductible. That's the amount you have to pay out of your own pocket before insurance makes a payment.
How Much Should Your Comprehensive Deductible Be?
Probably the most important thing to consider when you're choosing your deductible is your pocketbook. How much can you afford to pay out if your car was damaged? Your deductible can be as little as $0 or as high as $1,000. And if your car is worth close to or less than your deductible (say if it's old or in poor condition) paying for Comprehensive coverage might not make sense for you. Even if your car was totaled, you could receive little or no payment from the insurance company.
If you want additional information on this coverage or others, try Allstate's Bumper-to-Bumper BasicsSM interactive tool with a virtual guide of your choosing or consult an Allstate agent to better advise you.
How Much Does Comprehensive Coverage Cost?
Since vehicle damage is one of the most common types of insurance claims, this coverage is usually one of the priciest parts of your total premium costs. But as we mentioned above, an older car that isn't worth much might not even need this coverage.
If you're still worried about paying too much every month, try increasing your deductible. It's the best way to lower your price, but keep in mind how much you'll need to pay out of your pocket if there's damage to your car.
With more than 40 years experience, the O’Quinn Insurance Agency is one of the top family-run agencies in the Florida insurance industry. We supply our customers with the best coverage for their home, auto, motorcycle, boat, flood, and life insurance needs in the Daytona Beach areaa. Let the friendly folks at the O'Quinn Insurance Agency help save you money on auto insurance. Contact us today!
The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.