Comprehensive Car Insurance

What is comprehensive auto insurance? This is the question that this article will attempt to answer, but before I explain exactly what it is, I would like to explain what it is not.

It is not a third party policy. A third party policy will only pay for damage done to cars other than your own in the event of an accident. This means that if you cause an accident, and you only have a third party policy, the insurance company will not fix your car, only the cars that you damage.

It is not a third party fire and theft. This means that if you do not have a fully comprehensive car insurance policy, and your vehicle suffers damage done to fire or theft, you it will not be paid for.

It is not a third party injury policy. This means that it does not cover you in the event of an injury caused in an auto accident, only the driver on the other car.

The above three types of auto insurance policies are good for only a single purpose, not of them will protect you or your car in the event of an accident.

This is how it works; if you have an accident, whether or not it is your fault, and then a cheap comprehensive car insurance policy will pay for a wide range of expenses including medical treatment, fire damage, theft, flood, and hurricane damage.

The above is an example of what a typical policy; you should know that there are differences between individual policies. So, it is wise to take a close look at each before buying a policy.

Once you are ready to buy a policy, it is time to go shopping, but not the old fashioned way. It is far more effective to shop and compare prices for insurance policies online, than it is to call each insurance representative, from each insurance company.

By doing an Internet search for "comprehensive car insurance quotes," you will be able to find a number of free tools, which will give you an almost instant quote from numerous insurance companies. One example of a free tool that you can use is Geico.com, this is the website address of the very popular discount insurance company, Geico. By going to the above address, you will be able to use the free tool to request a quote. In only six minutes you will get a result from

Normally, there is a wide range of option available, so once you have done a Internet search for "comprehensive car insurance quote," you should pick the options that you want included in your plan in order to get a quote. Some common options are new car replacement, legal cover, and wrecker service.

A policy that includes the new car replacement option will cover you in the event of a accident that leaves your car totaled. This is a real benefit, especially when considering the fact that most car insurance companies only write you a check for the depreciated value on your car.

The legal option is simply an option that allows you to purchase pre-paid legal service, so that in the event you need legal representation you will not have to hire a lawyer. This can save you money, since this normally only cost an additional $12 each month.

The free wrecker service is a nice add-on on as well. There are certain restrictions with different companies, some only offering to pay a portion of the bill. So, make sure that you research each option fully before making the commitment.

So, to recap; once you have determined what options are available by doing an Internet search for the term, "comprehensive car insurance quote." Read the first three or four websites that appear in the search results, they will likely be Geico, Progressive, and Esurance.

Determine what type of comprehensive policy you need, by looking at each of the available options and deciding which you want.

Once you purchase you policy, you should also know that most major car insurance company's website offers the option of managing every aspect of your account online. I personally use this feature on my account, and I find it to be very useful.