Three reasons you should purchase a comprehensive auto insurance policy

Vehicle owners are often uncertain of whether purchasing a comprehensive auto insurance policy in Huntington, MD is necessary. At Monterey Insurance Group Inc. we offer comprehensive auto insurance coverage. The following are three reasons why you should purchase a comprehensive policy for your insurance needs. 

You’re covered if your vehicle is stolen or vandalized. 

Standard collision coverage won’t compensate policyholders for issues like vehicle theft or vandalism. However, theft and vandalism can cause a great deal of damage. 

Comprehensive coverage will cover any damages the policyholder experiences as the result of vehicle theft. This means that policyholders can be compensated for the full value of their vehicle if their vehicle is stolen.

If you live or travel frequently in a high crime area, comprehensive insurance coverage is especially important to protect against theft and vandalism. 

You’re covered if your vehicle is damaged by fire or flooding. 

Standard collision coverage won’t compensate you for damages caused by certain natural disasters. It also won’t compensate you if your vehicle somehow catches on fire. Fortunately, comprehensive coverage will compensate you for events like these. 

You’re covered if hitting an animal causes damage to your vehicle. 

If you drive through wooded areas with a lot of wildlife, you need comprehensive coverage. Comprehensive coverage pays for any damage caused if you hit a deer or another animal while out on the road. Collision coverage doesn’t always compensate you for this type of damage. 

At Monterey Insurance Group Inc. we offer comprehensive auto insurance coverage to residents of the Huntington, MD area. If you’re looking for the right policy for your needs, contact us to learn more about our auto insurance coverage.