Third party or comprehensive insurance?

Motor vehicles are without doubt one of life’s necessities rather than the luxury item that they used to be many decades ago. That is why car insurance is also a necessity, as it helps to prevent the car owner from having to pay potentially huge sums of money in the event of theft or damage. Most cars in South Africa are covered by third party insurance which covers fire and theft. If you want a more comprehensive insurance policy, there are many insurance companies out there.

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Third party insurance is fine if you have to stick to a budget; however, this type of cover is not going to cover you for the costs of damage caused by having a road traffic accident that was your fault. If you want to make sure that there are no hefty repair or compensation bills about to head your way, then you should opt for a comprehensive motor vehicle insurance policy.

Car insurance quotes can be obtained from many different insurance companies that specialize in providing motor vehicle insurance policies. Car insurance quotes are an estimate of the cost of covering your motor vehicle against loss and damage and is provided free of charge (if a company wants you to pay for an insurance quote, politely decline and move on) to the vehicle owner.

With everyone looking to save money due to the difficult global financial situation, a lot of people are looking to make substantial savings when the time comes to renew their motor vehicle insurance. That is why you need to compare as many quotes as you can, from as many different motor vehicle insurance companies as possible. That way you will have a clearer picture of who can offer you the best deal on your car insurance.

The best (and by far the easiest) way to compare multiple car insurance quotes, is to look on the internet. There are more and more companies that are dealing with their customers, exclusively online and this can be a great money saver. Because they are doing all of their business online they have less expenses and this means that they can offer better discounts on car insurance policies.

Car insurance is great as it helps to protect your car from unwanted damage or loss and this is especially true if your car is your only means of getting around. If you were to lose your car, then without adequate insurance, you may not be in a position to replace it.

Thanks to the internet, it is now easier than ever before to compare motor vehicle insurance quotes from a number of different motor vehicle insurance companies. With so many different companies out there vying for business, it is no wonder that the cost of motor vehicle insurance is fast becoming a better value for the money. This amount of competition can only be good for the consumer and is leading to an upsurge in the amount of discounted insurance policies that the average person can choose from.

 


South African car insurance comparison websites

 

English: Stolen car burnt out deep in the coun...

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Obtaining the right car insurance quote for your vehicle can appear to be a difficult task that you can only achieve by spending a lot of time looking through endless piles of data and information from a plethora of car insurance companies. In South Africa, the situation is no different. Here you can expect to find numerous motor vehicle insurance companies who are all looking to gain your custom. Yet just how do you go about trying to find the best policy for you, or one that suits not only your requirements, but also one that is affordable, and will not stretch your finances to their limit?

Locating the right car insurance quote comes down to the places where you are looking as well as the type of motor vehicle you own and the amount of driving you do. In order to make the process of finding the right motor vehicle insurance easier, then there are websites online that allows you to compare the options from numerous insurance companies at the same time. When looking at a comparison website, they will ask you for information and it will be of great benefit to you if you can provide the website with as much information as you can. This will help the website to tailor the results it gives to the information that you have given it.

There are a lot of drivers on South African roads that do not have fully comprehensive motor vehicle insurance and that is not a problem, until they have an accident and then the problems begin. The Road Accident Fund that the South African government set up offers people third party insurance protection, but this kind of policy is very restricted in the type of cover it provides. When it comes to having an accident, if you have no insurance or only third party insurance, then you are going to be liable for the full amount of the cost of the repairs to your motor vehicle.

A proficient motor vehicle insurance company will be able to offer you a number of different policy options that will vary in the amount of cover that they provide, as well as the amount of money you will be expected to pay each month. All of the motor vehicle insurance companies will be after your business and for that reason, you should not settle on the first offer that comes up, rather, you ought to look at what all of the other insurance companies have to offer. There is no harm in asking for a little more and trying to gain some extra features or discounts on your policy.

Taking your time and shopping around for the best motor vehicle insurance will mean that you are going to get the best rates and the best amount of vehicle cover that you can afford. Using a website that will help you to compare prices at the click of a computer mouse button will go a long way to taking the hassle out of buying car insurance.

Shop Around For Your Car Insurance Quotes

Car owners in South Africa should be aware that fully comprehensive motor vehicle insurance is not as expensive as they might think, if you know where to look. So how do you go about searching for the best car insurance quote?

Joyride Terminus

Joyride Terminus (Photo credit: IntangibleArts)

When it comes to motor vehicle insurance, searching for a policy that suits both your needs and your budget can seem a bit daunting. There are a few things that you will need to think about when it comes to searching for car insurance quotes online.

Firstly, you will need to take your time and do not opt for the first tempting car insurance quote that you come across. Using a website that allows you to compare quotes from a number of different companies is a good place to start, as they will list the outline details of what each insurance company has to offer, all on one page. Once you have found one or two insurance quotes that catch your eye, then you can click on the link that will take you to a page that will list the full details of what that particular insurance company has to offer.

Motor vehicle insurance companies will offer differing quotes and some companies will offer the same policies for less money. Furthermore, there are companies that will allow you to pay your monthly premiums via the internet. This can help you to avoid the unnecessary cancellation of your policy due to your latest payment getting lost in the post.

When searching for car insurance quotes on the internet you will probably be surprised by just how much each company’s policies differ from one another. Some will offer discounts for having more than one car on the same policy whilst others will reward older or safer drivers with a lower premium.

If you have a poor driving record or are below a certain age (typically 25) you may find that most of the motor vehicle insurance quotes you receive will be quite high. Insurance companies do this in order to offset the risk of paying out on a premium, which for someone who is a careless or inexperienced driver is likely to happen. Insurance companies do not like to pay out, but they are more than happy to take your money. If they think that there is a high risk of them having to pay out on an insurance premium in the future, you can expect to be paying a lot more money than an older safer driver.

If you already have a fully comprehensive motor vehicle insurance policy with an insurer, and it is up for renewal, then you may find that you can negotiate a lower monthly premium if you have been with them a long time and not made a claim. Of course, they are under no obligation to provide you with a cheaper monthly premium, and it is for that reason that you should be prepared to look elsewhere in order to save yourself some money.

Save On Car Insurance Without Losing Coverage

Crash test between a 1996 Ford Explorer and 20...

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Although motor vehicle insurance is not required by law in South Africa, it makes sense to have your vehicle covered against the number of different things that can happen to it. This includes theft, malicious damage or damage caused as a result of a collision. The basic form of insurance is third party insurance, but this is limited to only covering very basic problems and you could be left with having to pay for another motor vehicle out of your own pocket when things go wrong. Fully comprehensive car insurance is better, however, it is going to come at a price, and it can be considerably more expensive than the basic level of car insurance.

When the time comes to start searching for a motor vehicle insurance policy then you need to consider all of the alternatives. There are many insurance companies who are in a position to offer you cheap car insurance, and this means that finding the best one for you can be a bit tricky, not to mention time consuming. Most car insurance companies will be able to offer you a discount if you have an accident free driving history and this can save you a lot of money compared to a younger driver who has had one or two or more accidents in the past. When you get different quotes from many different companies then you have the choice of which one suits your needs. Additionally, most motor vehicle insurance companies will be able to offer you cheaper premiums if you sign up to one of their policies online, as this cuts down the need for endless paperwork.

No matter how cheap the quote is, you need to make sure that you fully understand the level of coverage you are going to receive in exchange for your hard earned cash, before signing on the dotted line.

Cheap car insurance in South Africa is also cheaper when you want to insure more than one motor vehicle at the same time. Most motor vehicle insurance policies companies will offer bigger discounts for each extra vehicle that you add to your policy when you sign up with them.

One of the best ways in which to keep the cost of your motor vehicle insurance costs down is to make sure that you have a clean driving history. Things such as having a lot of collisions or being in trouble with the police for motoring offenses can mean that it can be extremely difficult to obtain cheap car insurance.

One final way of lowering the costs of your motor vehicle insurance premiums, is to make sure that your car or motor vehicle is secured when unattended. Fitting anti-theft devices such as, alarms and steering wheel locks can reduce the risk of your vehicle being stolen and this in turn will allow the insurance company to lower your insurance premiums.

With a little bit of time and effort on your part, you can get the cheapest car insurance quote for your vehicle without sacrificing your level of coverage.

Obtaining affordable motor vehicle insurance online

Motor vehicle insurance in South Africa means having at least the minimal amount of coverage against theft. However, if you want an insurance policy that covers you for more than that, then you need to have fully comprehensive car insurance. Fully comprehensive motor vehicle insurance can be on the expensive side, and for that reason, a large percentage of motor vehicle owners in South Africa, shy away from opting for higher coverage.

Fully comprehensive motor vehicle insurance makes more sense. Yet, when your car becomes involved in an accident, you may find that the amount of money received from your insurance company, does not go anywhere near covering the cost of the repair bill.

Collision on the hill

Collision on the hill (Photo credit: kenjonbro)

When it comes to finding suitable and affordable car insurance quotes, it makes much more sense to begin your search online, as you will be able to compare prices side by side if you use a comparison website. Additionally, there will be an opportunity to study and read the feedback and views of the people who have already dealt with the company in question. That way you will be able to garner an understanding of just what kind of customer service they can offer, as well as the amount of different premiums and their costs and coverage and so forth.

Cheap and affordable car insurance is not always the best answer and you will have to make sure that what you are paying for, gives you a good level of coverage for when the worst happens and your car is involved in an incident. After all, you do not want to pay money for a motor vehicle insurance policy that does not cover your motor vehicle if you are involved in an accident. The least you can expect to get from a basic motor vehicle insurance policy, the absolute bottom line, is to be covered against theft, fire, and collisions.

One way of lowering the amount you are expected to pay every month for your car insurance premium, is to raise the amount of the excess on your policy. If you are not sure what the excess is, it is the amount of money that the insurance company will expect you to pay towards the costs of any claim you make on your policy. Typically this will start at around 500 Rand but the higher you set it, the less you will be expected to pay on your insurance premium.

Trying to find a cheaper car insurance policy can be a bit daunting for those people who are not used to looking at multiple car insurance quotes from many different companies. That is why you need to take some time in order to make sure that you understand all of the details and small print that is usually involved with signing up for an insurance policy. If you are not careful you could end up signing up for a motor vehicle insurance policy that is totally unsuitable for your needs as well as costing you too much money.

Getting The Best Insurance Quote For Your Car

Moulage

Moulage (Photo credit: Wikipedia)

The majority of car owners often dream of having cheaper car insurance premiums, but they are unsure how they can go about it and just end up signing up for the first policy that gives them the coverage they think they need. It does not have to be this way though, as South Africa has a number of insurance companies that are in a position to offer cheap car insurance quotes if you know where to look.

Some people have been known to shy away from signing up for the cheapest motor vehicle insurance policies, because they are worried that they will not get the level of coverage they require, or that there will be hidden charges. Although it can be said that there are some less than reputable insurance companies out there who will offer what looks like a cheap car insurance policy, only to have hidden charges to make it more expensive in the long run. There are many insurance companies in South Africa that are more than capable of offering cheap car insurance without any nasty hidden expenses popping up after you have signed on the dotted line. So long as you take a bit of time to do some research and look at each policy and insurance quote in detail, then you should avoid falling into the trap of signing up for an insurance policy that is more expensive than you thought.

On top of doing some research, it is well worth remembering that you can also save money if you belong to a certain demographic, such as a student or a senior citizen. Plus, you will find that most motor vehicle insurance companies will be in a position to offer you a discount on your premiums if you have a clean driving history. If you have never had a collision or been in trouble with the police for motoring offenses, such as speeding or driving whilst under the influence of alcohol, then you will find that most motor vehicle insurance companies will look favourably on this.

Another element that can affect the amount of money that you can expect to pay, for your car insurance premium, is the type of car that you are driving. If you own an expensive car, such as a luxury car or a sports car then you will be expected to pay more for your insurance, and this is for the reason that your car is more likely to be prone to vandalism and theft. This means that the cost of replacing the car, or indeed, repairing any damage, will be considerably higher than for a smaller, less expensive car.

Lastly, you should be able to reduce the cost of your motor vehicle insurance premiums by fitting anti-theft devices to your car. Items such as, alarms and immobilisers, are a good way of lowering the risk of the theft of your motor vehicle, and thus reducing the amount of money that you can expect to pay for your insurance premiums. Insurance costs are all about risk, and if you can lower the risk of theft and damage to your motor vehicle, then your insurance company should be more willing to offer you a lower insurance cost.

 


Comparing Car Insurance Quotes

Accidents Will Happen

Accidents Will Happen (Photo credit: elycefeliz)

If you are searching for cheap car insurance quotes, then you will need to think about which insurance companies are in a position to be able to offer you the best deals. Having your own personal motor vehicle insurance is important when you are driving in South Africa as you need to make sure that you are covered against any unwanted damage to your car.

There are a lot of different companies out there who are currently in a position to offer competitive rates for motor vehicle insurance. Trying to negotiate through all of the information and data can sometimes be a bit of a chore, not to mention, confusing. As it is, a lot of people end up paying more than they need to for their motor vehicle insurance and this is because trying to find the best deal can be difficult.

Most of the different motor vehicle insurance companies will offer a wide variety of car insurance plans, depending on the vehicle size and proficiency of the driver. It is important to make sure that you provide the insurance company with as much detailed, up-to-date and honest information that you can, as this will allow them to tailor the insurance quote to suit your situation.

You can also search for those insurance companies that have offers and discounts for drivers who have an accident free driving history, because safer drivers are deemed as less of an insurance risk. However, just because you have an insurance policy at a discounted price, does not mean that you automatically have the best policy. This is something that you will need to look into before signing on the dotted line. Check the insurance policy against those of other companies in order to be completely sure that you are about to sign up for the best insurance policy for you. Get plenty of car insurance quotes, as many as you can, as this will help you to find out which one will suit your circumstances best.

Some insurance companies will also offer discounted motor vehicle insurance policies for students as well as women drivers. So if you fall into this category then it is worth asking for any special discounts that they might be offering for your demographic.

Finding the best value motor vehicle insurance policies in South Africa is all about comparing prices. The only way that you will be able to do this successfully is to make sure that you can get hold of as many quotes, from as many different insurance companies, as possible. Ask them about their special discounts for older, student or female drivers and keep comparing, in order to find the best deal for your motor vehicle insurance needs. No one wants to pay too much for their motor vehicle insurance and neither should you, as signing up to the wrong policy is going to cost you more money in the long run as well as maybe even leaving you without adequate cover for your car.

 


Cheap motor vehicle insurance quotes

When taking out a new motor vehicle insurance policy, one of the biggest errors of judgment that most motor vehicle owners make, is that they end up paying large sums of money for an insurance policy that is totally unsuitable. On top of which, they may have failed to notice that their insurance policy could have been purchased elsewhere for much less money. This occurs because they did not shop around and just went with the first company that came along.

English: motor vehicle accident Euskara: auto ...

(Photo credit: Wikipedia)

Looking for cheap car insurance can be a time consuming process, as there are many companies in South Africa that are offering motor vehicle insurance policies. That means that it can be difficult to navigate through the maze that is motor vehicle insurance policies and their terms and conditions. Trying to find the cheapest car insurance policy that best suits your needs means taking your time and making the effort to really look at what companies are providing the cover you need, for the lowest price.

Your first course of action, when it comes to looking for the cheapest motor vehicle insurance for your car, is to make a list of as many of the motor vehicle insurance companies as you can find. Look on the internet for the national companies, but also, do not neglect the smaller, regional companies, who may be able to offer good deals to local people. You should look for these companies in your local business pages or telephone directory. That way you will have a list that has a nice mix of local as well as national motor vehicle insurance companies.

Next, you should work through your list, one company at a time, and obtain as many quotes as you can for the insurance policy that best suits your, age, motor vehicle and driving history. Then once you have motor vehicle quotes from all of the companies on your list, you can begin to compare the prices of their cheapest quotes against each other, as well as the amount of insurance cover that you will receive.

Once you have narrowed down your motor vehicle insurance policy list, down to one or two companies, you can then make contact with them and begin negotiating as you may even be able to get the cheapest quote even cheaper. It is not uncommon for motor vehicle insurance companies to try and raise the cost of your insurance policy quote when speaking to you in person. They may try and say that the information you provided them was incomplete, and that the quote you received was lower than it should be. That is why you need to make sure that when you provide the information for your car insurance quote that you give the most accurate information in order to get the most accurate quote. Bargaining with the motor vehicle insurance company will enable you to get the lowest price possible in return for the best level of coverage that you and your car need.


Cheap fully comprehensive insurance cover for your car

There are a lot of uninsured motor vehicles on the roads of South Africa at the moment and this is for the reason that motor vehicle insurance is not mandatory in the Republic at the present time. Most uninsured drivers will state that they find motor vehicle insurance premiums are too costly and that they cannot afford to make the monthly payments. Therefore, a lot of drivers would rather take a gamble and hope that they do not have a serious car accident in the future, rather than spend a little bit of money each month for that added peace of mind that comes with knowing that you are fully insured. They would rather rely on the state’s Road Accident Fund that automatically gives them third party insurance.

St. Patrick's Day Collision  2 of 4

St. Patrick’s Day Collision 2 of 4 (Photo credit: 7mary3)

The problem with the third party insurance provided by the Road Accident Fund is that it will only cover a small amount of incidents that you may come across as a car owner. There is only one way to guarantee that you are fully covered against all possibilities and that is to obtain fully comprehensive cover from a specialist car insurance company.

Most uninsured drivers will say that finding cheap car insurance in South Africa is not an easy task and for that reason they are more than happy to take their chances and rely on the third party insurance provided by the Road Accident Fund. There are many companies out there who are currently offering great deals on fully comprehensive motor vehicle insurance. Searching online is a great way to locate cheap car insurance in South Africa and there are many websites out there that will do all the work for you, comparing prices and levels of cover and listing them all on one page.

Relying on the Road Accident Fund is a huge risk to take if you have the means to pay for fully comprehensive insurance, because not only is the amount of cover limited, if the accident is your fault, then you are still going to be subjected to litigation by the other party. This could then lead to you having to pay huge sums of money to the person with whom you collided, and if they have received injuries as a result of the collision then the cost is going to be even higher.

The only way to avoid this potential scenario is to take out a fully comprehensive motor vehicle insurance policy that will provide you with the peace of mind that comes with knowing that you are covered against all eventualities.

Finding cheap car insurance in South Africa is not as much of a chore as you might think. Whereas making a claim through the Road Accident Fund can be a long, tedious and not to mention complicated process, searching for an insurance company is as easy as looking on the internet.

With a little bit of time and patience you can easily find the right comprehensive insurance policy that will give you full cover at a price you can afford.

 

Car Insurance Benefits Everyone

Purchasing and owning a vehicle is an expensive venture. Car owners work hard to have the money to purchase a vehicle outright, or to make monthly car payments. With all the money that goes into purchasing, renting, or leasing a vehicle, it is important to protect that investment by finding and purchasing car insurance to protect your investment.

Auto insurance is something that all drivers should have to protect the investment that they have put into purchasing a car, truck, or other vehicle. Without any auto insurance policy of some form, any accident or damage that occurs in, or to, your vehicle could result in extremely costly bills. Additionally, if you are involved in an accident of some sort in your vehicle, and another vehicle and person are involved, the costs of their repair and medical bills will come directly out of your pocket. One of the best ways to protect yourself from the costs that could be extensive is to locate and purchase the appropriate auto insurance policy for you and your vehicle. By locating the correct insurance policy, you can protect yourself, vehicle, and others, in the event the unfortunate accident occurs.

 

Finding the correct auto insurance policy does not have to be a daunting task if you have the correct tools to find one. Autoinsurance.co.za is just the tool that drivers need to find the cheap auto insurance they require. By visiting this website, and entering the necessary information, you will be provided with a number of insurance quotes to choose from. Depending on the insurance policy that you select, you will have coverage available for you and your vehicle in the event that an accident is to occur. Utilizing the quotes that are offered, you will be able to find an auto insurance policy that works for you, while saving you the hassles of contacting multiple insurance companies.

Vehicle Info. 2

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If you have a vehicle that you want to protect from damage created by an accident or a weather related accident cheap auto insurance will help. Auto Insurance will provide you with the quotes you need to find exactly the policy you need. Check today, to get the car insurance you need.

Prime Meridian Car Insurance Benefits

South African drivers and car owners know that finding a car insurance policy that is not expensive is difficult. It is a fact that South African car insurance is an exorbitant expense for many of those insured. People searching for a good policy, are also aware that not every insurance company offers the right kind of coverage that suits everyone’s needs. For those drivers that are seeking car insurance, Prime Meridian insurance offers quality coverage at reduced premium rates.

Car Insurance Quote Needed

 

For those individuals that are seeking out insurance, Prime Meridian offers potential clients coverage they need. One of the greatest benefits to those looking for auto insurance is that Prime Meridian does not penalize potential clients based on their demographics. When looking into a Prime Meridian insurance policy for your car, where the driver lives, gender, and income are details that do not have a bearing on the coverage you can obtain. An important factor for drivers considering this car insurance, only drivers that are 20 years old and older, are eligible for coverage.

Other benefits to Prime Meridian Car Insurance include the percentage of coverage available. Different Prime Meridian policies offer insurance coverage from 50% to 100%. Another factor that Prime Meridian takes into account is the trade price of the vehicle. By taking this into consideration premiums can be reduced. Additionally, if the driver insured suffers a total loss to their vehicle as a result of theft or an accident, Prime Meridian will cover the percentage for which the car is insured. Furthermore, premiums for Prime Meridian will not increase, which is a tremendous benefit all those looking for auto insurance can enjoy.

If you have finally obtained your first vehicle, get yourself some peace of mind by searching out a quality insurance policy. If you are over the age of 20 years old and do not want your gender, income level, or where you live, to influence the policy you can get, look into Prime Meridian. This auto insurance will offer you a high percentage of coverage for you vehicle in the case of accident or theft.

The Truth About Car Insurance

A car crash on Jagtvej in Copenhagen, Denmark.

 (Photo credit: Wikipedia)

Nobody likes having to pay for additional expenses. The reality of the situation is, in the case of car insurance, it’s an expense everyone that owns a vehicle should incur. Why get car insurance? One of the cold hard truths about most drivers in South Africa is that they do not have car insurance. What does this mean to you as a driver? This means absolutely nothing if you are never in an accident of any kind, but we all know that the unexpected happens every day. There is always the possibility that an act of nature can damage your car. What if someone steals it and you are not insured. All of the expenses that are connected would come out of your pocket if you do not have some sort of car insurance coverage.

Many of you will say, why get additional coverage for the previously mentioned scenarios, if you are covered by the Road Accident Fund. The truth in that is, the damages that another person’s vehicle or property suffers as the result of an accident are not covered by those funds. Additionally, the process of trying to get the money out of that fund is a long drawn-out one. Most people who have had to deal with the process find that having personal comprehensive insurance is the better alternative.

With the need and desire for personal auto insurance on the rise, more insurance companies are creating a variety of policies that will work for everyone’s budget. Regardless of what you can afford to pay, there is a policy available from one of the insurance companies. Furthermore, with an increase in people searching for a quality, yet inexpensive priced insurance policy, the various insurance companies are competing with each other to offer the best rates available to get the most business.

If you want to have the peace of mind of knowing not only will you, your vehicle and possessions be protected, but also those of anyone that you may be involved in an accident with, personal car insurance will offer just that. Request your free quote at autoinsurance.co.za today.

 

Comprehensive Car Insurance

Having a car and driving is not only something that provides individuals with their freedom, but it also requires drivers to be responsible. One of the most important factors related to driving is having some form of auto insurance. The best type to have is car comprehensive insurance. This type of auto insurance will protect you, passengers in your vehicle, your vehicle, and anyone you my come in contact with in the event of an accident.

A car crash on Jagtvej in Copenhagen, Denmark.

 (Photo credit: Wikipedia)

Car comprehensive insurance is typically more expensive than other policies, but it also offers more coverage. Depending on the type of coverage you have, if you are involved in some type of automobile accident, certain policies will cover the majority of the costs for repairs, saving you drastically on out of pocket expenses. The more comprehensive your policy the better your coverage will be in case of accidents.

Another benefit of getting car comprehensive includes the costs involved in replacing your vehicle that is insured. If you are in an accident that destroys your car, and repairs are not possible, or your vehicle is stolen, with the proper policy, the insurance company will provide you with the costs of replacing your vehicle. Additional items that are covered with car comprehensive insurance include, damage done to your vehicle as a result of acts of nature, or hijacking.

When searching for the right insurance policy for you, it is important to look at all of the benefits that are included. A car comprehensive policy that is more expensive will have more benefits than less expensive ones. Additionally, comprehensive insurance policies may vary from company to company. It is important to call and speak with the insurance agencies before accepting policy terms. By talking to an agent, you can verify the terms of your insurance policy and all of the benefits that you will receive with your car comprehensive insurance policy.