Comprehensive insurance is one aspect of the insurance coverage that a lot of people have been thinking twice about. In car insurance, there's usually the collision or liability insurance, which is the "default" type of insurance. On the other hand, there's the comprehensive insurance, which covers just about anything and everything not related to collision. One particular scenario it covers is theft. That being said, this kind of insurance can be really expensive simply because it covers the cost of replacing the whole vehicle.
The good thing about comprehensive insurance is that you can choose to NOT get it. It is optional, but a necessary one. It's being dubbed as a necessary evil in the world of car insurance. Think about it. You can avoid all the accidents in the world if you know how to drive defensively and you don't take your car every time you go out. What you can't avoid are natural disasters like floods and earthquakes.
While accidents are scenarios that you can reduce the chances of happening, the things covered by this kind of insurance are scenarios that, if they happen to you, can make you feel "unlucky". To reduce the financial headaches you'll get when you get "unlucky", you have to get comprehensive car insurance. However, as mentioned above, it is totally optional. So how do you know when to get comprehensive insurance?
One particular example of a time when you should absolutely get comprehensive insurance is if you have a brand new car. Sure, you may take care of your car well, but the fact that is brand spanking new can attract attention - especially from those you don't want looking at your car. If your car is on the most commonly stolen list, then you should absolutely get it. However, the fact that your car is on the commonly stolen list will make this kind of insurance very expensive.
One thing you can do is to make your car as safe as possible from, say, thieves. You can do that by keeping your car in a garage. You may also even skip comprehensive insurance altogether, although it's recommended that you get it as soon as you're able to. So the answer to the question of "when" is this: get it as soon as you can afford it. It may be costly, but it is a worthy investment for every car owner.
Charles Mclain is a person you can rely to when it is all about insurance. He has helped a lot of people understand car insurance and other insurance policies offered.
Get insured now.
Article Source: http://EzineArticles.com/expert/Charles_Mclain/784058
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