Is comprehensive car insurance worth it?

Comprehensive coverage is generally worth it if your car is less than 10 years old. But as your car ages and the value decreases, the benefit of comprehensive coverage dwindles because it only pays out up to the value of your car, minus your deductible.

What does comprehensive car insurance cover?

Comprehensive car insurance covers your vehicle for repair or replacement costs due to: Car theft. Civil disturbances, like a riot. Crashing into an animal, such as a deer. Damage caused by rodents. Falling objects, such as a tree limb. Fire and explosions. Floods. Severe weather, like hail or a hurricane. Vandalism. Windshield and glass damage.

Does comprehensive insurance cover damage to a car?

Unlike liability coverage, comprehensive coverage covers damage to your car. There are no coverage limits to comprehensive insurance. Instead, you’re covered up to your car’s actual cash value. “Actual cash value” is a term that means your car’s value at the time of an accident, taking into account its age and any wear and tear.