What is Comprehensive Auto Insurance?

Comprehensive Auto Insurance in El Paso TX

When searching for auto insurance in El Paso, TX, you may come across a type that’s called comprehensive insurance. 

If you want to provide the greatest degree of coverage for damage to your vehicle, regardless of who is at fault, you may want to consider comprehensive auto insurance.

Comprehensive insurance is often confused with collision insurance and even liability insurance at times. We will explain the difference below.

Though comprehensive coverage in El Paso TX is not mandatory by state laws, Bundle Bee Insurance Agency often recommends it, and it is often required for leased cars, and cars purchased using a loan. 

Plus, comprehensive insurance is a good failsafe for those who have high-value vehicles but cannot afford to replace or repair their vehicle out of pocket. 

Comprehensive Versus Collision Auto Insurance in El Paso TX

Often, comprehensive insurance in El Paso TX may be confused with collision insurance. However, these two types of coverage are quite distinct.

Collision insurance typically provides coverage for damages to your vehicle that result from collision events with other vehicles, certain objects, or a single vehicle accident. This type of insurance usually will only reimburse damages to your car and not to other objects.

For example, if your vehicle were to hit a sign, tree or other obstacle in the road and major damage occurred, collision auto insurance would typically cover damage to your vehicle. 

However, collision insurance would not cover other circumstances such as vandalism, weather or natural disasters, or theft, while comprehensive coverage can.

If you have a vehicle you want to protect at the highest level from the widest range of circumstances, you’ll typically want comprehensive auto insurance rather than collision.

In the case of an accident, regardless of who is at fault:

  • Your liability auto insurance covers the damage you do to other vehicles, people, or property in the case of an at fault accident.
  • Collision insurance covers damage to your vehicle in an accident, regardless of fault, such as the total replacement of the vehicle or smaller repairs.
  • Comprehensive insurance provides a greater scope of coverage than collision insurance and also potentially covers vehicle damages or replacement costs from theft, vandalism, falling trees or objects, animal accidents, and other incidents. 

What is the Cost of Comprehensive Auto Insurance in El Paso TX?

Pricing for comprehensive auto insurance is dependent on multiple factors, much like other types of auto insurance in El Paso, TX. These include personal driving history, the car’s model and age, and the deductible amount of your vehicle. 

Learn More About El Paso Comprehensive Auto Insurance

To better determine your need for comprehensive insurance in El Paso Texas, and to receive a free estimate, contact Bundle Bee Insurance Agency, and our staff will help you get the best coverage for your unique vehicle needs.

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