How to Compare Comprehensive Car Insurance
- 1). Find a copy of your current automobile insurance policy if you are currently insured. Locate the detail page that lists all of your coverage options and the cost of each one. Find the current price of the comprehensive portion of your policy.
- 2). Check the current value of your vehicle using a guide like Kelly Blue Book. If your car has a low value, it might not be worth the extra money for comprehensive insurance. You need to compare the cost of the coverage against the potential benefit, keeping in mind that the maximum the insurance company will pay is the fair market value of the vehicle.
- 3). Call several autombile insurance companies and ask for a quote. It is helpful to have a copy of your current policy available when you make the call, since the policy contains important information about your current coverage levels. It is best to look at comprehensive coverage as part of the overall insurance policy, rather than as a stand-alone coverage.
- 4). Ask about any discounts the company offers for its comprehensive coverage. You could get a discount for theft-deterrent systems like steering wheel locks and GPS systems, since comprehensive insurance covers losses due to vehicle theft. You could also get a discount for parking the vehicle in the garage every night, since there is less risk of damage from falling tree branches, hail and other hazards.
- 5). Review each insurance quote carefully, including the cost of comprehensive coverage for your vehicle. Choose the policy that provides the best overall value for the lowest monthly premium.
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