Comprehensive car insurance covers car theft and damage to your car related to weather, fire, flood, vandalism and falling objects. It also covers damage from hitting animals, such as deer, with your car.
Nationwide, car owners spend an average of $935.80 per year on auto insurance, a number that includes both minimal and high coverage choices.
One of the best ways to save on car insurance is to get a “bundling” discount by buying your auto and homeowners insurance from the same company. There are plenty of other car insurance discounts to ask your agent about.
Full coverage car insurance is not a special policy type but rather a term that usually means a policy with liability, collision and comprehensive coverage.
Gap insurance is a coverage you can add, but it isn’t offered by all insurers. If your car is totaled, gap insurance will pay the difference between your insurance check for the vehicle and what you still owe on a car loan. If you financed most of your car, or you have a vehicle that depreciates quickly, you may want to consider gap insurance.