{"id":24313,"date":"2026-04-24T01:49:05","date_gmt":"2026-04-24T01:49:05","guid":{"rendered":"https:\/\/incredipros.com\/?p=24313"},"modified":"2026-04-24T01:49:06","modified_gmt":"2026-04-24T01:49:06","slug":"what-is-comprehensive-insurance-ramsey","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24313","title":{"rendered":"What Is Comprehensive Insurance? &#8211; Ramsey"},"content":{"rendered":"<div>\n<p>One of <em>the<\/em> best ways to wreck your day . . . is to wreck your car! But scary (and expensive) as collisions can be, there\u2019s more than one way to damage your car\u2014heck, it can get damaged when you\u2019re not even driving it!\n    <\/p>\n<p>And when random car damage strikes, comprehensive insurance is there for you.\n    <\/p>\n<h2>What Is Comprehensive Insurance?<\/h2>\n<p>Although the name <em>comprehensive<\/em> might make you think, <em>Oh, this covers everything<\/em>\u2014think again! Comprehensive insurance helps you pay for any damage to your car <em>not <\/em>covered by your collision insurance, and covers damage to your car caused by other kinds of disasters\u2014like fallen trees, wildfires or wildlife. (Seriously, why do deer run\u00a0<em>toward<\/em>\u00a0traffic?).\n    <\/p>\n<p>We\u2019ll talk all about everything comprehensive insurance covers, how it works and if you need it. (Spoiler alert: You probably do!)\n    <\/p>\n<p>But first let\u2019s go over a few key terms you\u2019ll need to know when you\u2019re learning about comprehensive coverage.\n    <\/p>\n<h2>Key Comprehensive Insurance Terms<\/h2>\n<p>To really understand comprehensive insurance and what it does, it helps to know a few of the terms that might pop up when you\u2019re shopping around. Here we go!\n    <\/p>\n<div class=\"BlogInsert-copy\">\n<p>\u00a0Home and auto insurance aren\u2019t just about low rates\u2014they\u2019re about the right coverage level. Talk to a trusted pro who can help you get both.<\/p>\n<\/p><\/div>\n<p><strong>Actual cash value: <\/strong>Just like it sounds, this is the amount you\u2019d expect to get for your car if you sold it in its current condition. Of course, that\u2019s <em>before<\/em> it gets mauled by a bear lumbering across the highway.\n    <\/p>\n<p><strong>Collision insurance: <\/strong>Think traffic accidents. This insurance coverage pays to repair or replace your car if you roll it, or if it\u2019s damaged in an accident with another vehicle or<em>\u00a0<\/em>a stationary object, like a fence or a guardrail.\n    <\/p>\n<p><strong>Deductible: <\/strong>It\u2019s the dollar amount you\u2019ll need to pay out of pocket when you make a comprehensive insurance claim. The higher your deductible, the lower your premiums\u2014and vice versa. (More on that below.)\n    <\/p>\n<p><strong>Full coverage car insurance: <\/strong>When you have collision <em>and<\/em> comprehensive coverage, along with liability insurance, then you have something beautiful known as\u00a0full coverage car insurance. Full coverage insurance can get expensive! But if you get a good rate, it\u2019s worth the extra dollars to have peace of mind knowing damage to your car from all kinds of disasters is covered.\n    <\/p>\n<h2>What Does Comprehensive Insurance Cover?<\/h2>\n<p>Like we already said, the <em>comprehensive <\/em>in comprehensive insurance is a little misleading. Instead of covering <em>all<\/em> the bad stuff your car goes through, it\u2019s more like a catch-all coverage for damage <em>not <\/em>caused by colliding with another vehicle or stationary object. Here are some of the most common examples of what comprehensive coverage covers:\n    <\/p>\n<ul>\n<li><strong>Animal collisions<\/strong>\u00a0(like hitting an elk on your road trip to Yellowstone)<\/li>\n<li><strong>Weather<\/strong>\u00a0(think hurricanes, tornadoes, flash floods, hailstorms, lightning strikes and wind damage)<\/li>\n<li><strong>Earthquakes and landslides<\/strong>\u00a0(we feel for you, cars of California)<\/li>\n<li><strong>Fires and explosions<\/strong>\u00a0(whether that\u2019s a garage fire, engine fire or something much bigger)<\/li>\n<li><strong>Theft, vandalism and riots<\/strong>\u00a0(we hate having to include this one, but at least your car will be covered if one of these scary things happens to you)<\/li>\n<li><strong>Debris from other cars<\/strong>\u00a0(like that truck stacked with lumber you just\u00a0<em>know\u00a0<\/em>is going to fly through your windshield when you try to pass)<\/li>\n<li><strong>Damage from falling objects<\/strong>\u00a0(think tree limbs or debris from an overpass or construction site)<\/li>\n<li><strong>Chipped or cracked glass<\/strong>\u00a0(nothing\u2019s worse than getting a chip in the windshield right at eye level!)<img decoding=\"async\" loading=\"lazy\" alt=\"what does comprehensive insurance cover?\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/what-does-comprehensive-insurance-cover.jpg\"\/><\/li>\n<\/ul>\n<p>Basically, comprehensive insurance covers the cost to repair or replace your car if something <em>really <\/em>unlucky happens to it.\n    <\/p>\n<h2>Comprehensive vs. Collision<\/h2>\n<p>There are several\u00a0types of car insurance, so it\u2019s understandable when people mix up comprehensive vs. collision. And they <em>do <\/em>work together to protect you financially if your vehicle is damaged, and you need <em>both<\/em> for complete protection on the road or in your driveway. To keep \u2019em straight, let\u2019s look at both types side by side and find out where comprehensive insurance fits in.\n    <\/p>\n<p>When you think of your collision policy, think:\n    <\/p>\n<ul>\n<li>Crashes with other vehicles in traffic<\/li>\n<li>Collisions with objects (like a fence or lamppost)<\/li>\n<li>A single-car accident where you end up rolling over (yikes!)<\/li>\n<\/ul>\n<p>That\u2019s all!\n    <\/p>\n<p>And when you think of comprehensive? See it as a separate (but related) coverage policy that usually doesn\u2019t kick in for damage caused by driving. It catches <em>almost <\/em>any other kind of automotive damage you can imagine\u2014natural disasters, man-made mayhem and everything in between.\n    <\/p>\n<p>Here\u2019s another helpful way to compare the two types. Think of collision as what you need <em>when your car hits something else<\/em>, and comprehensive as what you need <em>when something else hits your car<\/em>\u2014other than some other guy\u2019s vehicle!\n    <\/p>\n<p>Although collision is a totally separate coverage type, insurance companies often package it together with comprehensive. So don\u2019t be surprised if buying one type requires you to buy the other one too.\n    <\/p>\n<h2>Insurance Can Be Confusing. We Have Someone Who Can Help.<\/h2>\n<p>RamseyTrusted<sup data-renderer-mark=\"true\">\u00ae<\/sup> insurance pros are independent and vetted\u2014and they help you fill the gaps in your policies. They make getting insurance (like home, auto and umbrella) one less thing to stress about. Plug in your zip code to connect with an agent who understands the coverage needs in your area.\n    <\/p>\n<p>\u00a0\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>\u00a0<\/h2>\n<h2>How Does Comprehensive Insurance Work?<\/h2>\n<p>When you buy a comprehensive insurance policy, you\u2019ll first need to choose a\u00a0<em>comprehensive deductible<\/em>. Got hail damage? (Those ice balls can cut deep!) The\u00a0deductible\u00a0is\u00a0the amount of money you\u2019ll pay out of pocket to smooth out the dents or any other kind of damage from an event the policy covers.\n    <\/p>\n<p>After you pay the deductible, the insurance company will pay up to the\u00a0<em>policy limit<\/em>. The policy limit is usually the amount the car is currently worth\u2014not what you originally paid for it. (Sorry, but them\u2019s the rules. That\u2019s what\u00a0gap insurance\u00a0is for.)\n    <\/p>\n<p>Let\u2019s look at some examples to see how that works.\n    <\/p>\n<h3>Staying Under the Policy Limit<\/h3>\n<p>Anna\u2019s car is worth $7,000. She hits a deer and causes $1,500 of damage to her car. The cost of repairs is less than the car\u2019s total value, so the insurance company will actually pay less<em>\u00a0<\/em>than the policy limit. In this case, Anna pays her $500 deductible, and the insurance company pays the other $1,000. (Thank goodness she has an emergency fund to cover her part of the repairs!)\n    <\/p>\n<h3>Reaching the Policy Limit<\/h3>\n<p>Christy\u2019s car is worth $10,000. One morning, she heads out to her car to leave for work. But her it\u2019s been stolen. She has a $1,000 comprehensive deductible, so the insurance company writes her a check for $9,000\u2014the value of the car\u00a0<em>minus\u00a0<\/em>the deductible.\n    <\/p>\n<h3>Passing the Policy Limit<\/h3>\n<p>Jeff\u2019s car is worth $3,000. He\u2019s driving home and a ladder falls off the construction truck in front of him. The ladder hits him, doing serious<em>\u00a0<\/em>damage under his car. Repair bill: $3,500. Since the cost to repair exceeds the value of the vehicle, the insurance company decides it\u2019s a total loss, and not worth fixing.\n    <\/p>\n<p>At this point, Jeff has a choice to make. If he\u2019s like most people with a totaled vehicle, he\u2019ll opt to take the $2,000 payout from his comprehensive coverage (what the car is worth minus his $1,000 deductible). But maybe Jeff just can\u2019t let go of his beloved wreck <em>and<\/em> he\u2019s willing to binge-watch a DIY mechanic\u2019s YouTube channel called \u201cOverhaul Your Underbelly!\u201d (Hey, these people exist, and they\u2019ve got pretty impressive car repair skills, right?)\n    <\/p>\n<p>In that case, Jeff can make a deal with the insurer to keep the heap and get a salvage title\u2014he\u2019ll also get a much smaller payout since he\u2019s basically buying the car back from the insurance company. Plus, he won\u2019t be able to drive it until it\u2019s repaired <em>and<\/em> issued a rebuilt title, but whatever floats his boat . . . err, car!\n    <\/p>\n<p>In each case, comprehensive insurance saved that person a lot of money. That\u2019s why it\u2019s so important!\n    <\/p>\n<h3>Choosing a Comprehensive Insurance Deductible<\/h3>\n<p>Now you might be thinking,\u00a0<em>I want a low deductible like Anna so I don\u2019t have to pay as much.<\/em>\u00a0<em>After all, isn\u2019t it better to pay $500 than $1,000?<\/em>\n    <\/p>\n<p>Well, not always.\n    <\/p>\n<p>When your deductible is low, the car insurance company is more likely to lose money helping you pay for repairs. To offset that risk, they charge higher premiums. You\u2019ll pay more for coverage\u2014and the longer you go without\u00a0filing a claim, the more money the insurance company makes from your premiums.\n    <\/p>\n<p>On the other hand, a high deductible may <em>sound<em>\u00a0<\/em><\/em>bad, because you have to pay more up front if<em>\u00a0<\/em>you have to file a claim. But you\u2019ll actually pay lower monthly premiums\u2014so the longer you go without filing a claim, the more you save.\n    <\/p>\n<p>And don\u2019t forget about your\u00a0emergency fund! If you\u2019re done with\u00a0Baby Step 1, you can choose a $1,000 deductible, because that\u2019s how much you have saved for emergencies. And if you\u2019re on Baby Step 3 with a fully funded emergency fund, you can go for an even higher deductible and lower premiums! Choosing high deductibles with low premiums is one of the best ways to\u00a0save money on insurance.\n    <\/p>\n<p>What are the Baby Steps? They\u2019re a step-by-step plan millions of people have used to save money, pay off debt, and build wealth. You can learn more about the Baby Steps\u2014and a ton of other money topics (like insurance) in Financial Peace University.\n    <\/p>\n<h2>Is Comprehensive Insurance Worth It?<\/h2>\n<p>We think comprehensive insurance is almost always a good addition to your auto insurance. After all, auto accidents happen\u2014and they don\u2019t <em>always<\/em> involve another car!\n    <\/p>\n<h3>Comprehensive Advantages<\/h3>\n<p>Comprehensive insurance protects you financially whenever those random types of accidents we mentioned above happen. Instead of paying all the costs to repair or replace your car from that freak mudslide or high-speed deer collision, you\u2019ll get help from the insurance company\u2014saving you money and keeping you focused on your big financial goals\n    <\/p>\n<p>Another sad but common situation where you\u2019ll want comprehensive insurance: if you happen to be leasing or financing your car. (By the way, that\u2019s something you shouldn\u2019t have done anyway, since debt always slows your financial progress way down.) But if that\u2019s you right now, your lender will probably <em>require<\/em> you to have comprehensive coverage.\n    <\/p>\n<h3>Comprehensive Disadvantages<\/h3>\n<p>The only disadvantage we see with comprehensive coverage is that it could potentially cost you more than it\u2019s worth\u2014but that\u2019s a pretty unusual situation. For example, your vehicle could lose so much actual cash value that it dips below the amount of your policy deductible. Would your jalopy be lucky to fetch $1,000 on Facebook Marketplace? Then a $1,000 deductible means you\u2019re paying for a policy that would pay you nothing even if your car was totaled. (By the way\u2014if your vehicle really <em>is<\/em> valued under a provider\u2019s lowest deductible, they probably won\u2019t offer you comprehensive coverage on it anyway.)\n    <\/p>\n<p>So if you\u2019re driving a hooptie to get through Baby Step 2, you get a pass on this . . . for now. But the second you get a car that\u2019s worth a little more, get comprehensive insurance to go with it! And if you\u2019ve already got a car that qualifies, you need comprehensive coverage ASAP.\n    <\/p>\n<h2>Is Comprehensive Insurance Right for You?<\/h2>\n<p>Comprehensive coverage is usually right for everyone. It\u2019s especially important if you live in an area where natural disasters are common\u2014like wildfires in California, hurricanes in Florida or tornadoes in Oklahoma\u2014or if you live in a big city where other people are likely to be careless and damage your car (hello, Chicago). And it\u2019s\u00a0<em>definitely\u00a0<\/em>important if you\u2019re in Baby Step 1 or Baby Step 2, when you don\u2019t have enough cash laying around to replace your car.\n    <\/p>\n<\/p><\/div>\n<div>\n<h2>Find the Best Comprehensive Insurance Policy<\/h2>\n<p>Comprehensive car insurance is a necessity, but that doesn\u2019t mean you have to pay an arm and a leg for it (or a lung and a kidney, if your insurance company sucks). It can actually be downright affordable! With our trusted network of insurance pros, you can find an independent insurance agent in your area to get the best deals on comprehensive coverage.\n    <\/p>\n<p>Connect with a RamseyTrusted insurance pro to make sure you\u2019re covered and find out how you can save on your car insurance.\n    <\/p>\n<h2>Frequently Asked Questions<\/h2>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/insurance\/what-is-comprehensive-insurance\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the best ways to wreck your day . . . is to wreck your car! But scary (and expensive) as collisions can be, there\u2019s more than one way to damage your car\u2014heck, it can get damaged when you\u2019re not even driving it! And when random car damage strikes, comprehensive insurance is there for<\/p>\n","protected":false},"author":1,"featured_media":24314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24313","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Comprehensive Insurance? - Ramsey | IncrediPros<\/title>\n<meta name=\"description\" content=\"One of the best ways to wreck your day . . . is to wreck your car! 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