Comprehensive Auto Insurance in San Diego, CA
Comprehensive auto insurance stands out for its extensive protection among the various types of coverage available. Primarily, it can offer financial protection against a wide array of noncollision incidents that could damage your vehicle. Without this coverage, you would have to bear the full cost of repairs or replacement out of pocket. This type of insurance is crucial for high-value vehicles because it can help cover expensive damages.
What Is Comprehensive Auto Insurance? 
Comprehensive insurance can financially assist you after unforeseen incidents that could leave you with significant repair bills or the need for a new vehicle. It is a type of coverage that can financially protect your vehicle from damage not caused by a collision. Unlike liability insurance, which can cover damage to other vehicles and property when you’re at fault, comprehensive insurance may cover many scenarios that could damage your car. This includes incidents such as theft, vandalism, natural disasters, fire and falling objects. Additionally, comprehensive coverage typically includes damage from hitting an animal and specific weather-related incidents like hail or flooding.
Why Should I Get Comprehensive Auto Insurance?
Although comprehensive coverage isn’t typically mandated for drivers, you might be required to purchase it if you finance or lease your vehicle. However, if you fully own your car, you should consider comprehensive coverage if:
- The cost of coverage is only a small percentage of the car’s value.
- You frequently park or drive in dangerous areas.
- You lack the financial means to repair or replace the vehicle if it gets damaged.
- You live in a region prone to severe weather.
- Your policy includes a driver under the age of 25.
- You don’t have a substantial emergency fund to cover potential repair or replacement costs.
Where to Buy Comprehensive Auto Insurance
Contact Prestige Unlimited Insurance today to learn more about comprehensive auto insurance and how it can benefit you.