Comprehensive Coverage
Comprehensive Auto Coverage in New Jersey
The potential of damage to your vehicle is subject to many other factors other than traffic accidents and collision. Theft, fire, vandalism and potentially hitting an animal can also cause damage to your car.
However, in the latter, your auto insurance policy does not cover the damages. Auto insurance policies exclusively cover you for damages or loss as a result of collisions or a traffic accident. This is where a comprehensive car insurance policy comes in.
The comprehensive coverage policy is also known as a physical damage insurance or full coverage car insurance. As the name suggests, this type of coverage covers you for a wider range of damages in comparison to the auto insurance policy. Comprehensive insurance covers the cost incurred in repairing or replacing a vehicle for damages caused by causes other than collisions and rollovers.
Comprehensive coverage is the best way to protect your car from natural disasters and malicious acts. D’Agostino Agency Insurance is here to ensure you enjoy some valuable peace of mind even in the eventuality of such a disaster.
We offer you a customized comprehensive coverage policy at competitive rates. We offer you an opportunity to choose various options from our insurance providers. We present a wide range of options at the best premium rates.
Even though we have stipulated causes of damages to cover under the full coverage, you can always speak to us about additional needs or causes you would like to be covered against. We will be glad to create a comprehensive coverage just for you. D’Agostino Agency Insurance is passionate about taking care of all your insurance needs effectively.
What Does Comprehensive Insurance Cover?
Comprehensive coverage will cater for damages to your vehicle caused by the following:
- Vandalism
- Broken glass
- Fire damage
- Theft or larceny
- Flying or falling objects
- Hail
- Water
- Hitting an animal
New Jersey Comprehensive Coverage& Deductibles
A deductible amount is the amount that you will pay if you make a claim before your policy takes effect. The amount ranges from $0 to $1,000 depending on your premium rates. When choosing a comprehensive coverage, you have the opportunity to choose your deductible amount. Higher premiums are charged a lower deductible amount while lower premiums are charged a higher deductible amount.
However, you will pay less if you make a claim on your comprehensive coverage once it has taken effect. You could actually incur a $0 deductible amount in such a case. D’Agostino Agency Insurance will advise you accordingly to ensure that you choose a reasonable deductible amount.
New Jersey Comprehensive Coverage Quote
You have worked hard to buy your vehicle; hence it is only sensible that you protect it fully from any damages. Yet, acts of malice or natural disasters that can cause damage or the loss of your vehicle are often unforeseen.
This does not means they cannot happen. Let D’Agostino Agency Insurance take care of the risks as you enjoy peace of mind. Contact us for your free comprehensive coverage quote at an affordable premium rate.
