Comprehensive Auto Insurance in Beaufort, NC & Morehead City, NC
When considering insurance, many drivers focus on the immediate risks of car accidents. However, many potential threats to your vehicle come from noncollision events like theft, weather damage and vandalism. Comprehensive auto insurance may offer crucial financial protection for these types of incidents, providing coverage beyond what collision insurance may offer. Understanding the difference between the two can help ensure you’re adequately covered.
What Is the Difference Between Collision and Comprehensive Coverage? 
Collision coverage may pay for damage to your vehicle resulting from an accident, whether you’re at fault or not. It may cover repairs or replacement when your car is involved in a crash with another vehicle or object. In contrast, comprehensive coverage may handle damage caused by noncollision events such as natural disasters, theft or vandalism. While collision insurance is crucial for financially protecting your car after an accident, comprehensive coverage may safeguard your vehicle from a broader range of potential risks. Note that both coverages may only cover you up to policy limits.
What Does Comprehensive Auto Insurance Cover?
Comprehensive auto insurance may cover a variety of noncollision events, including the following:
- Fire
- Theft
- Vandalism
- Damage due to falling objects
- Damage caused by hitting animals
- Damage from severe weather (e.g., hail and hurricanes)
How Much Does It Cost?
The cost of comprehensive auto insurance varies based on several factors, including your vehicle’s make and model, and your location and driving record. Generally, comprehensive coverage is affordable and can often be bundled with collision insurance for a more complete policy. Though the rates may differ for each individual, it’s a small price to pay for the extensive protection it may provide.
Contact Us
If you’re looking to explore comprehensive car insurance options, contact Willis Insurance today. Proudly serving the community since 1952, our experienced team is ready to help you find the right coverage for your needs.