Why Paying For Comprehensive Auto Insurance Is Not As Daunting As You May Think

Insurance Blog

The moment you start shopping for auto insurance, your first instinct is to try and save as much money as you can. So in addition to looking for the cheapest car insurance available, you probably will exclude multiple insurance products with the hopes that this will decrease your premiums further. But this is not the best approach, more so when you consider that the entire aim of getting car insurance is to limit your financial burden in the event of any unfortunate occurrence.

To make the most of auto insurance, you should consider paying for comprehensive coverage. Admittedly, this will be more expensive upfront than other policies available. However, the long-term financial benefits far exceed this initial expense in multiple ways. If you are unsure about this investment, consider the following reasons why paying for comprehensive auto insurance is not as daunting as you may think.

Animal collisions

Most motorists know the importance of including liability coverage in their auto insurance, as it will provide financial protection when they are involved in a car accident and are found at fault. But what happens when you collide with a large animal on the road like a moose or a deer? In this scenario, you can expect significant car damage.

More so, if the animal has well-developed antlers, these can dent the body of your vehicle and even shatter the windshield, though it will not disintegrate into shards of glass. Paying for comprehensive auto insurance coverage can save you hundreds, if not thousands, of dollars in auto repairs, as the insurance provider will pay out for a chunk of these costs. The only cash you would have to spend would be on the agreed-upon deductible.

Windshield repair or replacement

Speaking of windshields, you be cognizant of the fact that damage to this auto glass can be incredibly expensive to remedy. A misassumption that some motorists make is that their windshields are manufactured from toughened glass, but this is untrue. The reality is that the passenger windows comprise this material whereas the windshield is made up of laminated glass. And while laminated glass offers an array of advantages such as decreased UV radiation, shatter resistance, and deflected infrared radiation, it is vulnerable to damage.

If your vehicle's windshield develops cracks that remain unattended for several weeks or months, the cracks will steadily spread, and this can be attributed to temperature changes that expand and contract them. Alternatively, if the windshield is exposed to a force that leaves a large, singular crack, the structural integrity of this auto part will be in jeopardy, warranting replacement. Comprehensive auto insurance ensures that even if you are strapped for money, you can have windshield repairs or replacement as needed, rather than imperil your life and that of your passengers by driving with a structurally weakened windshield.


20 December 2021

Auto Insurance:  Even High Risk Drivers Need It

About ten years ago, my auto insurance was cancelled. This took place after one too many accidents. I was now a high risk, and my provider was not willing to keep me on any longer. Since there was no way that I was going to get behind the wheel without coverage, I started checking out plans with high-risk insurers. Some were not all that great, but others offered benefits that were very close to my old plan. I soon found a provider who would accept my application, and I began to be a little more careful with my driving. If you are having trouble buying auto insurance, let me help. I'll tell you what to look for in a high-risk provider, and how to find the best one in your area. In no time at all, you'll be covered and ready to get back on the road again.