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Comprehensive Coverage: What Seniors Should Know

Comprehensive coverage pays for damage to your vehicle from events other than collisions — theft, hail, vandalism, fire, flooding, and animal strikes.

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What Is Comprehensive Coverage Insurance?

Comprehensive coverage protects your vehicle from damage caused by events outside your control: theft, vandalism, glass breakage, fire, flooding, hail, and animal collisions. It does not cover accidents with other vehicles or objects — that's collision coverage. You pay a deductible each time you file a claim, and the insurer pays up to the actual cash value of your vehicle minus depreciation.

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Who Needs Comprehensive Coverage Insurance?

Seniors leasing vehicles or financing recent-model cars should maintain comprehensive until the loan is satisfied.

Multiply your annual comprehensive premium by 10. If that number exceeds your vehicle's current market value, drop the coverage and bank the premium savings in an emergency fund.

How Much Does Comprehensive Coverage Insurance Cost?

Vehicle age and actual cash value — older vehicles cost less to insure but return less when totaled
Zip code theft and weather risk — high hail or theft areas can double comprehensive premiums

Related Coverage Types

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Liability Insurance→

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Collision Coverage

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Keep Your Coverage Without Overpaying

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