FAQs

What exactly does comprehensive insurance cover?

Short version: non-collision events—hail, wind, flood, theft, vandalism, fire, falling objects, and animal strikes (deer counts as comp, not collision).

Good-to-know nuances: glass can be separate (some carriers offer $0 windshield), flood is comp (not covered by collision), and claims pay up to your car’s actual cash value (ACV) after the deductible.

Park outside or live in a storm belt? Protect against weather & theft—get a tailored quote. Read carrier details like Dairyland.

What does collision insurance cover?

Short version: damage to your vehicle from an impact with a vehicle/object—including single-car crashes (pole, curb, pothole).

Good-to-know nuances: collision has its own deductible; payouts are capped at ACV; an OEM parts endorsement (available with some carriers) can limit aftermarket parts in repairs.

Unsure if the premium is worth it for your vehicle value? See side-by-side pricing or check carriers like Mendota.

Is “full coverage” an actual policy?

No—it’s a nickname for Liability + Collision + Comprehensive. It doesn’t automatically include rental reimbursement, roadside, GAP/loan-lease, rideshare, or custom parts coverage.

Lender tip: financed/leased cars typically require comp & collision and can cap deductibles (e.g., ≤$1,000). We’ll check your lender’s rules during your quote. California shoppers can also review Progressive Drive Insurance California.

How should I choose my deductibles?

Cash-comfort rule: pick the highest deductible you could pay today without stress. If you rarely claim, raising deductibles can trim premium.

Claims behavior matters: if you’d repair small dings via insurance, keep deductibles lower; if you’d self-pay small stuff, raise them.

Glass exception: windshield options can be $0 or a lower fixed amount, independent of your main comp deductible.

We’ll model the trade-offs for your car and location—run a quick quote. Missouri drivers can compare local pricing here: MO auto quotes.

When does it make sense to drop collision?

Math check: if yearly collision premium is a big slice of your car’s ACV, the payout upside may be limited.

Do not drop if: your vehicle is leased/financed (lienholders usually require both) or you’d struggle to self-fund a major repair.

Keep comp even if you drop collision: it protects against hail/theft/fire—common risks for older vehicles.

Unsure? We’ll do the ACV-vs-premium comparison with you: start your quote or call (888) 445-2793.

What really drives the cost of “full coverage”?

Inputs: driving record, age, miles, prior lapses; vehicle repair costs & safety tech; local claim patterns (hail/theft/flood); and your chosen limits/deductibles.

Ways to save: safe-driver and telematics discounts, bundling home + auto, and adjusting deductibles strategically.

We shop multiple carriers for fit + price—compare quotes or learn about Dairyland options.

Which carriers should I compare?

Look for differences in glass endorsements, OEM parts, rental reimbursement, and how each carrier prices hail/theft risk.

We commonly compare: Dairyland, Mendota, and for California, Progressive Drive Insurance.

Want our best-fit pick for your profile? Start your quote.