State Farm^® comprehensive coverage

With a covered loss, comprehensive coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using but aren't owned by anyone in your household. Depending on other coverage available, this coverage may apply as primary or excess coverage.

Depending on the extent of the damage resulting from a loss covered under comprehensive coverage, we will decide whether to pay the cost to repair a covered vehicle minus any applicable deductible or whether to pay the actual cash value of the covered vehicle minus any applicable deductible.

If you lease your vehicle, or if you used a loan to purchase it, your lender or financing company will likely require you to purchase comprehensive auto insurance because your lessor or lender will want to be protected in case anything happens to your car during the term of your lease or loan.

Comprehensive deductibles

With comprehensive coverage, you choose whether you have a deductible and in what amount. A deductible is the amount you’ll need to pay before receiving benefits. Simply put, a deductible is the amount you agree to pay up front when you make an insurance claim. Your insurance company then pays the rest up to your coverage limit. Higher deductibles lower your premium, but increase the amount you must pay out of your own pocket if a loss occurs. So do what’s comfortable for you and your budget. Ask yourself how much you would be willing to pay on short notice to save on your premium, or talk to your State Farm^® agent.

Consider the risks of not having this coverage. Are the savings enough to cover the cost of repairing or replacing the vehicle?

• Is your car a high-value vehicle?
• Do you live in an area prone to weather-related disasters?
• Is there a high rate of car theft where you live?
• How much can you afford to pay, or are willing to pay, out of your own pocket if you are involved in a loss that isn’t covered by collision insurance?

To help you figure out if you should purchase comprehensive coverage, you should estimate the approximate value of your vehicle through an online resource like Kelley Blue Book. Let a State Farm agent help you determine the value of your vehicle along with how much extra you'd pay to add comprehensive coverage.

Comprehensive coverage protects you from losses other than collisions with other vehicles or objects or the overturning of the covered vehicle. Some examples include:

• Car theft and damage from theft
• Fires and explosions
• Weather conditions such as wind damage from hurricanes
• Violence from civil unrest or riots
• Hitting or being hit by a deer or other animal

If you're responsible for an accident, your comprehensive coverage won't pay for collisions with other vehicles or objects (trees, buildings, etc.), or injuries or fatalities. You’ll need separate coverages for these exposures. To insure yourself against the costs of damage from these and other sources, State Farm offers a range of auto insurance coverage options.

Talk to an agent if you own a collector or classic car to learn about options for insuring your treasured car for comprehensive coverage.

• Read Simple Insights on auto insurance
• Factors influencing car insurance rates
• Insuring a high-risk vehicle
• Want to make a payment?
• Exploring car insurance deductibles and coverages