
﻿<!DOCTYPE html><html lang="en"><head>

	<meta name="WT.qs_dlk" content="WoLtJwrIhEIAAEC-HVUAAAEZ"/>

	<meta name="WT.qs_shmv" content="hv20150423-clarkson.sf.quinstreet.net"/>

	<meta name="inject_params" content="WT.qs_dlk=WoLtJwrIhEIAAEC-HVUAAAEZ&"/>

	<meta http-equiv="Set-Cookie" content="inject_params=WT.qs_dlk=WoLtJwrIhEIAAEC-HVUAAAEZ&; path=/;  domain=carinsurance.com;"/>
	<meta http-equiv="Set-Cookie" content="WMUUID=WoLtJwrIhEIAAEC-HVUAAAEZ; path=/;  domain=carinsurance.com;"/>
<title>What Is Comprehensive Insurance? | CarInsurance.com</title><meta content="text/html; charset=utf-8" http-equiv="content-type"><meta name="keywords" content="comprehensive coverage, comp, other than collision, comprehensive car insurance"><meta name="description" content="Comprehensive insurance coverage pays for damage from other-than-collision incidents such as vandalism, theft and deer strikes. Find out what else it covers."><meta name="robots" content="INDEX,FOLLOW" /><meta http-equiv="X-UA-Compatible" content="IE=edge" /><script>!function(){function e(e){i.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version){var t,n,o,a=document.createElement("iframe"),i=window;i.addEventListener?i.addEventListener("load",e,!1):i.attachEvent&&i.attachEvent("onload",e),a.src="javascript:false",a.title="",a.role="presentation",(a.frameElement||a).style.cssText="width:0;height:0;border:0;display:none;",o=document.getElementsByTagName("script")[0],o.parentNode.insertBefore(a,o);try{n=a.contentWindow.document}catch(d){t=document.domain,a.src="javascript:var d=document.open();d.domain='"+t+"';void(0);",n=a.contentWindow.document}n.open()._l=function(){var e=this.createElement("script");t&&(this.domain=t),e.id="boomr-if-as",e.src="//c.go-mpulse.net/boomerang/UBVC7-ADFMN-V6TD8-VUK3W-WVPK2",BOOMR_lstart=(new Date).getTime(),this.body.appendChild(e)},n.write('<body onload="document._l();">'),n.close()}}();</script> <link rel="canonical" href="https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx"/><meta name="msvalidate.01" content="7BD22C0BC8B7D58BCD471CBEB85E22B4" /><meta name="twitter:card" content="summary_large_image" /><meta name="twitter:site" content="@carinsurance" /><meta name="twitter:title" content="What Is Comprehensive Insurance? | CarInsurance.com" /><meta name="twitter:description" content="Comprehensive insurance coverage pays for damage from other-than-collision incidents such as vandalism, theft and deer strikes. Find out what else it covers." /><meta name="twitter:image" content="https://www.carinsurance.com/imagesvr_ce/7281/333PortraitCarThief.jpg" /><link rel="apple-touch-icon" href="https://www.carinsurance.com/images/apple-touch-icon.png" /><link href="/hqx/min/?g=article-css&amp;v=565" rel="stylesheet" type="text/css"/><link href='//fonts.googleapis.com/css?family=Roboto:400,300,500,700|Open+Sans:300,400,600,700,800|Raleway:300,400,600,700|Source+Sans+Pro:200,300,400,600,700|Lato:400,300,700,900' rel='stylesheet' type='text/css' /> <script type="text/javascript" src="//ajax.googleapis.com/ajax/libs/jquery/1.7.1/jquery.min.js"></script> <script type="text/javascript">if (typeof jQuery == 'undefined')
    {
        var fileref = document.createElement('script');
        fileref.setAttribute('type', 'text/javascript');
        fileref.setAttribute('src', 'https://www.carinsurance.com//js/jquery-1.7.1.min.js');
        head.appendChild(fileref);
    }
    function readCookie(name)
    {
        var nameEQ = name + "=";
        var ca = document.cookie.split(';');
        for(var i = 0; i < ca.length; i++) {
            var c = ca[i];
            while (c.charAt(0) == ' ') c = c.substring(1, c.length);
            if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length, c.length);
        }
        return null;
    }
    /*********** This Function tracks WT tracking parameters ****************/
    function load_wt_dcstracking(parameter, value)
    {
        if(typeof dcsMultiTrack == 'undefined')
        {
            setTimeout(function() {
                load_wt_dcstracking(parameter, value);
            }, 1000)
        }
        else
        {
            dcsMultiTrack('WT.dl', '99', parameter, value );
        }
    }</script> <!--[if lt IE 9]> <script type="text/javascript" src="/js/html5shiv.js"></script> <![endif]-->

    <script>
    window.webtrendsAsyncInit=function(){
        var dcs=new Webtrends.dcs().init({
            dcsid:"dcslzswek10000g81n6laj5r2_3i6x",
            domain:"www.qsstats.com",
            timezone:-8,
            i18n:true,
            onsitedoms:"carinsurance.com",
            fpcdom:".carinsurance.com",
            plugins:{
                //hm:{src:"//s.webtrends.com/js/webtrends.hm.js"}
            }
            }).track();
    };
    (function(){
        var s=document.createElement("script"); s.async=true; s.src="/imageserver/common/v10/webtrends.min.js";    
        var s2=document.getElementsByTagName("script")[0]; s2.parentNode.insertBefore(s,s2);
    }());
    </script>
    <noscript><img alt="dcsimg" id="dcsimg" width="1" height="1" src="//www.qsstats.com/dcslzswek10000g81n6laj5r2_3i6x/njs.gif?dcsuri=/coverage-definition/comprehensive-insurance.aspx&amp;WT.js=No&amp;WT.tv=10.4.1&amp;dcssip=www.carinsurance.com&amp;WT.qs_dlk=WoLtJwrIhEIAAEC-HVUAAAEZ&"/></noscript>
</head><body class="container_12">
 <script type="text/javascript">var WRInitTime=(new Date()).getTime();
</script> 
<header><div class="header_wrapper"><div class="logo grid_4 alpha" id="grid_h_logo" itemscope itemtype="http://schema.org/Organization">
<a itemprop="url" href="https://www.carinsurance.com/">
<img itemprop="logo" src="https://www.carinsurance.com/images/home/logo.gif" alt="Carinsurance.com" height="47" width="248"/>
</a></div><div class="header-info grid_8 omega" id="grid_h_other"><div class="social_media_header_new grid_3 alpha omega pad_top_5"><ul><li>
<a rel="nofollow" class="badge_rss" href="https://www.carinsurance.com/rss.aspx" target="_blank"></a></li><li>
<a rel="nofollow" class="badge_facebook" href="https://www.facebook.com/carinsurance" target="_blank"></a></li><li>
<a rel="nofollow" class="badge_twitter" href="http://twitter.com/carinsurance" target="_blank"></a></li><li>
<a rel="nofollow" href="https://plus.google.com/105745766293166632211?prsrc=3" style="text-decoration:none;" class="badge_googleplus" target="_blank"></a></li></ul></div><div class="talk_to_us alpha">
Call Us Toll Free: <span class="phone_number strong call-center-phone-number">
<a href='tel:1-855-430-7753'>1-855-430-7753 </a></span></div><div class="top-search-site-form"><div class="search_image"></div><form class="site_search_form" action="https://www.carinsurance.com/search.aspx" method="get">
<label clsss="search_label">SEARCH</label>
<input class="search corners_rounded_all" type="search" name="keyword" value="" title="Search by keyword"/><div class="vericle_line"></div><div class="search_wrapper"><input class="search_button" type="submit" value=""/></div></form></div></div></div><div class="nav_container" style="border-top: 1px solid #ccc; width: 100%; display: inline-block;margin-bottom: -5px;"><div class="nav_wrapper" style=""><div class="nav_wrapper">
<nav class="background_bar main grid_12 corners_rounded_all alpha" id="grid_h_navigation_new"><ul class="megamenu" id="drop-nav"><li class="border_class">
<a class="link" href="/Articles/buy-car-insurance-online.aspx">BUYING GUIDES</a><ul class="drop_down_ul_new"><li><a href="/car-insurance-comparison.aspx">How to Compare Quotes</a></li><li><a href="/best-car-insurance.aspx">Best Car Insurance</a></li><li><a href="/cheapest-car-insurance.aspx">Cheapest Car Insurance</a></li><li><a href="/kb/can-I-buy-and-insure-a-car-with-an-international-license.aspx">Car Insurance for Non-U.S. Citizens</a></li><li><a href="/discounts.aspx">How to Get Discounts</a></li></ul></li><li class="border_class">
<a class="link" href="/calculators/">CALCULATORS</a><ul class="drop_down_ul_new"><li><a href="/calculators/average-car-insurance-rates.aspx">Average Car Insurance Rates by ZIP Code</a></li><li><a href="/car-insurance-estimator.aspx">Car Insurance Estimator</a></li><li><a href="/Articles/how-much-car-insurance-should-you-buy.aspx">How Much Car Insurance Do I Need?</a></li></ul></li><li class="border_class">
<a class="link" href="/state-car-insurance-rates/">CAR INSURANCE BY STATE</a><ul class="drop_down_ul_new"><li><a href="/state/California-car-insurance.aspx">California Car Insurance</a></li><li><a href="/state/Florida-car-insurance.aspx">Florida Car Insurance</a></li><li><a href="/state/Massachusetts-car-insurance.aspx">Massachusetts Car Insurance</a></li><li><a href="/state/Michigan-car-insurance.aspx">Michigan Car Insurance</a></li><li><a href="/state/New-Jersey-car-insurance.aspx">New Jersey Car Insurance</a></li><li><a href="/state/New-York-car-insurance.aspx">New York Car Insurance</a></li><li><a href="/state/Texas-car-insurance.aspx">Texas Car Insurance</a></li><li><a href="/state-car-insurance-rates/">All other states</a></li></ul></li><li class="border_class">
<a class="link" href="https://www.carinsurance.com/types-of-car-insurance/">COVERAGE TYPES</a><ul class="drop_down_ul_new"><li><a href="/coverage-definition/liability-car-insurance.aspx">Liability Car Insurance</a></li><li><a href="/coverage-definition/collision-coverage.aspx">Collision Coverage</a></li><li><a href="/coverage-definition/comprehensive-insurance.aspx">Comprehensive Insurance</a></li><li><a href="/uninsured-motorist-coverage.aspx">Uninsured Motorist Coverages</a></li><li><a href="/coverage-definition/personal-injury-protection.aspx">Personal Injury Protection</a></li><li><a href="/gap-insurance.aspx">Gap Insurance</a></li><li><a href="/Articles/dui-insurance.aspx">DUI Insurance</a></li><li><a href="/sr22.aspx">SR-22 Insurance</a></li><li><a href="/coverage-definition/non-owners-car-insurance.aspx">Non-Owner Car Insurance</a></li></ul></li><li class="border_class">
<a class="link" href="/teen-drivers.aspx">TEEN DRIVERS</a><ul class="drop_down_ul_new"><li><a href="/Articles/best-ways-to-insure-teen-driver.aspx">Parent's Guide to Insuring a Teen Driver</a></li><li><a href="/Articles/car-insurance-16-year-old.aspx">Insurance for 16-year-olds</a></li><li><a href="/Articles/car-insurance-17-year-old.aspx">Insurance for 17-year-olds</a></li><li><a href="/Articles/car-insurance-18-year-old.aspx">Insurance for 18-year-olds</a></li><li><a href="/Articles/car-insurance-19-year-old.aspx">Insurance for 19-year-olds</a></li><li><a href="/Articles/car-insurance-for-college-students.aspx">Insurance for College Students</a></li><li><a href="/best-cars-for-teens.aspx">Best Cars for Teens</a></li></ul></li><li class="border_class">
<a class="link" href="/laws-penalties.aspx">LAWS & PENALTIES</a><ul class="drop_down_ul_new"><li><a href="/Articles/minimum-liability-car-insurance-requirements-by-state.aspx">Liability Requirements by State</a></li><li><a href="/tort-states.aspx">Tort Insurance Law</a></li><li><a href="/no-fault-states.aspx">No-Fault Insurance Law</a></li><li><a href="/auto-insurance-and-driving-record.aspx">How Tickets Affect Your Insurance</a></li><li><a href="/Articles/driving-without-license-penalties-by-state.aspx">Driving Without a License</a></li><li><a href="/driving-without-insurance-penalties-state.aspx">Driving Without Insurance</a></li><li><a href="/Articles/lapse-in-coverage-penalties-by-state.aspx">Lapse in Insurance Coverage</a></li><li><a href="/Articles/cellphone-laws-and-penalties-by-state.aspx">Cellphone Use While Driving</a></li><li><a href="/Articles/total-loss-thresholds.aspx">Total-Loss Thresholds</a></li></ul></li><li class="border_class">
<a class="link" href="/reports-data.aspx">REPORTS & DATA</a><ul class="drop_down_ul_new"><li><a href="/Articles/car-insurance-rate-comparison.aspx">Most and Least Expensive ZIPs by State</a></li><li><a href="/average-rates-by-age.aspx">Average Car Insurance Rates by Age</a></li><li><a href="/Articles/best-worst-states-driving.aspx">Best and Worst States for Drivers</a></li><li><a href="/Articles/teen-driving-safety-least-and-most-dangerous-states.aspx">Most Dangerous States for Teen Drivers</a></li><li><a href="/Articles/most-stolen-cars-in-every-state.aspx">Most Stolen Cars by State</a></li><li><a href="/Articles/metro-areas-most-car-thefts.aspx">Metro Areas with the Most Car Thefts</a></li><li><a href="/Articles/average-miles-driven-per-year-by-state.aspx">Average Miles Driven by State and Age</a></li><li><a href="/Articles/pedestrian-deaths-most-dangerous-cities.aspx">Cities With Most Pedestrian Deaths</a></li></ul></li></ul>
</nav></div></div>
</header><div class="go_to_top_btn">
<a  href="#top">
<img src="/images/back-to-top.png" alt="Go To Top" id="back-to-top-image">
</a></div><div class="content_wrapper clearfix"><div class="grid_8 alpha">
<nav class="breadcrumb alpha omega"><a href="/">Home</a> &nbsp;&gt;&nbsp; <a href="/types-of-car-insurance/">Types of Car Insurance</a> &nbsp;&gt;&nbsp; <span>Comprehensive Insurance</span></nav><div class="grid_8 alpha"><div class="quiet_cool_formstart"><div class="heading_text">Get Personalized <span>Car Insurance Quotes</span></div><div class="form_wrapper"><form id="quiet_cool_form" class="cool_form" action="/autonewmodel/zi"><div class="ins_required clearfix" style="width: 160px;margin-right: 6px;"><fieldset>
<input id="home_zip_new" name="zip" type="text" class="zipinput field_zip " value="Zip Code" size="15" title="" onclick="clearText(this);" onkeyup="zipLengthCheck(this);digitOnly(this);"/><div id="zip_error_msg" name="zip_error_msg" class="size_12 hide error-msg-red color_err_msg" style="display: none">Valid ZIP code required</div></fieldset></div><div class="ins_required clearfix" style="margin-right: 6px;"><div class="user-age-wrapper-qc custom-select">
<select id="user_age" name="age" class="user_age" style="background: none;width:124px;height:44px;"><option value="">Age</option><option value="18">16 - 20</option><option value="22">21 - 24</option><option value="30">25 - 34</option><option value="40">35 - 44</option><option value="50">45 - 54</option><option value="60">55 - 64</option><option value="85">65+</option>
</select><div class="select_arrow"></div>
<span class="opt"  style="width: 124px;">Age</span><div class="clear"></div></div><div class="clear"></div></div><div class="ins_required clearfix"><div class="custom-select filter-carrier carrier_wrapper">
<select style="width: 239px;height:42px;" name="currently_insured" id="currently_insured"><option value="">Currently Insured?</option><option style="font-weight:bold;font-style: italic;" value="n">Not currently insured</option><optgroup label="Currently Insured by"><option value="21st Century">21st Century</option><option value="AAA Insurance">AAA Insurance</option><option value="Allstate">Allstate</option><option value="Commerce Insurance Co">Commerce Insurance Co</option><option value="Esurance">Esurance</option><option value="Farmers Insurance">Farmers</option><option value="GEICO">Geico</option><option value="The Hartford">The Hartford</option><option value="Liberty Mutual">Liberty Mutual</option><option value="Mercury">Mercury Insurance</option><option value="Met Life Insurance">MetLife</option><option value="GMACNatGenIns">National General (GMAC)</option><option value="Nationwide">Nationwide</option><option value="Progressive">Progressive</option><option value="SAFECO">Safeco</option><option value="State Farm">State Farm</option><option value="Travelers Insurance">Travelers</option><option value="USAA">USAA</option><option value="Other">Other</option></optgroup>
</select><div class="select_arrow"></div>
<span style="width: 100%;" class="opt">Currently Insured?</span></div><div id="insure_error_msg" name="insure_error_msg" class="size_12 hide error-msg-red color_err_msg" style="display: none">Please select your current insurer</div><div class="clear"></div></div><div class="checkbox_group"><div class="home-fs-radio-btns color_white"><div style="width: 167px;" class="ins_required"><div style="margin-right: 30px;" class="j-radio">
<span class="radio-container-new single-radio-input-option">
<input type="checkbox" name="married" value="n" checked="">
<span class="radio"></span>
</span>
<label for="married_question">I am married</label></div></div><div style="width: 140px;" class="ins_required clearfix"><div class="j-radio">
<span class="radio-container-new single-radio-input-option">
<input type="checkbox" name="homeowner" value="n" checked="">
<span class="radio"></span>
</span>
<label for="married_question">I own my home</label></div></div><div style="width: 200px;" class="ins_required clearfix"><div class="j-radio">
<span class="radio-container-new single-radio-input-option">
<input type="checkbox" name="military" value="0" checked="">
<span class="radio"></span>
</span>
<label for="military_question">I've served in the military</label></div></div></div>
<input name="var1" id="var1" type="hidden" value="" />
<input id="sid" name="sid" type="hidden" value="1099106802" />
<input name="iqw_with_bidding_quest" type="hidden" value="1" />
<input type="hidden" id="insured" name="insured" value="y" />
<input id="carrier" type="hidden" value="" name="carrier">
<input type="submit" class="cool_get_quotes_button" value="GET QUOTES"></div></form></div></div> <script type="text/javascript">var form_id = '#quiet_cool_form';
    var homeowner_val, married_val, carrier_val;
    var new_custom_var1 = 'Desktop_Top_Formstart';
    //To set yes/no for Homeowner and Married, Carrier, Age, Zip on page load and when browser back button click from Surehits page
    var horizontal_iqw_new_homeowner_val = readCookie('horizontal_iqw_new_homeowner_val');
    if(horizontal_iqw_new_homeowner_val !== null){
        homeowner_val = horizontal_iqw_new_homeowner_val;
    }else{
        homeowner_val = $(form_id + " #homeowner").val();
    }

    var horizontal_iqw_new_married_val = readCookie('horizontal_iqw_new_married_val');
    if(horizontal_iqw_new_married_val !== null){
        married_val = horizontal_iqw_new_married_val;
    }else{
        married_val = $(form_id + " #married").val();
    }

    var horizontal_iqw_new_carrier_val = readCookie('horizontal_iqw_new_carrier_val');
    if(horizontal_iqw_new_carrier_val !== null){
        carrier_val = horizontal_iqw_new_carrier_val;
    }else{
        carrier_val = $(form_id + " #carrier").val();
    }

    var horizontal_iqw_new_userage_val = readCookie('horizontal_iqw_new_userage_val');
    if(horizontal_iqw_new_userage_val !== null){
        user_age_val = horizontal_iqw_new_userage_val;
    }else{
        user_age_val = $(form_id + " #user_age").find("option:selected").val();
    }

    var horizontal_iqw_new_zip_val = readCookie('horizontal_iqw_new_zip_val');
    if(horizontal_iqw_new_zip_val !== null){
        $(form_id + " #horizontal_iqw_new_zip").val(horizontal_iqw_new_zip_val);
    }

    if(carrier_val !== "n"){
        $(form_id + ' #currently_insured option[value="'+carrier_val+'"]').prop('selected',true);
        var carr_txt = $(form_id + ' #currently_insured').find("option:selected").text();
        $(form_id + " #currently_insured").siblings("span.opt").text(carr_txt);
        $(form_id + ' #carrier').val(carrier_val);
        $(form_id + ' #insured').val("y");
    }
    else{
        $(form_id + ' #currently_insured').val("");
    }

    if(user_age_val !== ""){
        $(form_id + ' #user_age option[value="'+user_age_val+'"]').prop('selected',true);
        var age_txt = $(form_id + ' #user_age').find("option:selected").text();
        $(form_id + " #user_age").siblings("span.opt").text(age_txt);
    }
    else{
        var age_txt = $(form_id + ' #user_age').find('option:first-child').text();
        $(form_id + " #user_age").siblings("span.opt").text(age_txt);
    }


    $('#quiet_cool_form').submit(function() {

        $(this).find('.fsFormError').removeClass('fsFormError');
        $(this).find('.formError').removeClass('formError');

        if($(this).find('#currently_insured').val() == ""){
            $(this).find('#currently_insured').parent('div.custom-select').addClass('formError');
            $(this).find('#insure_error_msg').show();            
            return false;
        }
        if(window.location.pathname == '/car-insurance-estimator.aspx')
        {
            $(this).find('#var1').val(new_custom_var1);
        }
        

        //set cookies to preserve form values on back browser button click
        var horizontal_iqw_new_homeowner_val = $(this).find("#homeowner").val();
        var horizontal_iqw_new_married_val = $(this).find("#married").val();
        var horizontal_iqw_new_userage_val = $(this).find("#user_age").find("option:selected").val();
        var horizontal_iqw_new_carrier_val = $(this).find("#carrier").val();
        var horizontal_iqw_new_zip_val = $(this).find("#horizontal_iqw_new_zip").val();

        if(horizontal_iqw_new_homeowner_val !== '')
            document.cookie = 'horizontal_iqw_new_homeowner_val='+horizontal_iqw_new_homeowner_val+';path=/';
        if(horizontal_iqw_new_married_val !== '')
             document.cookie = 'horizontal_iqw_new_married_val='+horizontal_iqw_new_married_val+';path=/';
        if(horizontal_iqw_new_userage_val !== '')
             document.cookie = 'horizontal_iqw_new_userage_val='+horizontal_iqw_new_userage_val+';path=/';
        if(horizontal_iqw_new_carrier_val !== '')
             document.cookie = 'horizontal_iqw_new_carrier_val='+horizontal_iqw_new_carrier_val+';path=/';
        if(horizontal_iqw_new_zip_val !== '')
             document.cookie = 'horizontal_iqw_new_zip_val='+horizontal_iqw_new_zip_val+';path=/';

        return true;
    });
    $(document).ready(function(){
        $(".zipinput ").click(function(){ 
            $(".zipinput ").siblings('#zip_error_msg').css("display","none");
        });
        $(".custom-select").click(function(){ 
           $('.custom-select').siblings('#insure_error_msg').css("display","none");
        });
    });
</script> <div class="articleContent corners_rounded_all articleHead" id="section_article_content" itemscope itemtype="http://schema.org/Article"><meta itemprop="image" content="https://www.carinsurance.com/imagesvr_ce/7041/133ThumbCarThief.jpg">
<article class="undoreset clearfix">
<header class="article_header"><h1 class="pad_bottom_10 " itemprop="headline">Comprehensive Insurance</h1>
</header>
 <script src="https://www.google.com/recaptcha/api.js">
</script> <div class="social-media-new_floating social-sharing-links" id="social-media-sharing-test">
<a title="facebook" class="fb-share-button float_left"  href="https://www.facebook.com/sharer/sharer.php?u=https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_facebook2016" target="_blank" rel="nofollow"><div class="sm-btn-container" id="facebook-share">
<img align="middle" width="11" height="20" src="/images/floating-social-media/facebook.png"><div class="social-desc">Share on Facebook</div></div>
</a>
<a title="twitter" href="https://twitter.com/intent/tweet?text=Comprehensive%20Insurance%0A&url=https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_twitter2016" class="twitter-share-button" target="_blank" rel="nofollow"><div class="sm-btn-container" id="twitter-share">
<img align="middle" width="19" height="16" src="/images/floating-social-media/twitter.png"><div class="social-desc">Share on Twitter</div></div>
</a>
<a title="gplus" href="https://plus.google.com/share?url=https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_gplus2016" target="_blank" rel="nofollow"><div class="sm-btn-container" id="gplus-share">
<img align="middle" width="23" height="15" src="/images/floating-social-media/googleplus.png"><div class="social-desc">Share on Google Plus</div></div>
</a>
<a title="linkedin" href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_linkedin2016" target="_blank" rel="nofollow"><div class="sm-btn-container" id="linkedin-share">
<img align="middle" width="17" height="16" src="/images/floating-social-media/linkedin.png"><div class="social-desc">Share on Linkedin</div></div>
</a>
<a title="reddit" target="_blank" href="http://reddit.com/submit?url=https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_reddit2016" rel="nofollow"><div class="sm-btn-container" id="reddit-share">
<img align="middle" width="24" height="19" src="/images/floating-social-media/reddit.png"><div class="social-desc">Share on Reddit</div></div>
</a>
<a title="mail" data-popup-open="sm-email-popup" href="#"><div class="sm-btn-container" id="email-share">
<img align="middle" width="18" height="14" src="/images/floating-social-media/email.png"><div class="social-desc">Share via Email</div></div>
</a></div><div class="popup sm-article-email-container" data-popup="sm-email-popup"><div class="popup-inner sm-article-email-content"><div class="email-header"><img src="/images/floating-social-media/mail_icon.png"><span class="email-heading">Email</span></div><div class="popup-form-content"><form class="email-share-form" name="email-share-form" method="post" action="share-article-mail.php">
<input type="hidden" name="article_url" value="https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx?WT.mc_id=sm_email2016"><div class="form-field"><span class="label">To:</span> <span><input type="text" placeholder="E-mail address" value="" name="to_mail" class="email-input" /></span></div><div class="form-field"><span class="label">From:</span> <span><input type="text" placeholder="Your Name" value="" name="from_name" class="email-input" /></span></div><div class="form-field"><span class="label">Subject:</span> <span><input type="text" placeholder="" value="Comprehensive Insurance" name="mail_subject" class="email-input" /></span></div><div class="form-field"><textarea name="mail_message" class="email-input" /></textarea></div><div class="form-field"><div class="label">URL:</div><div class="url-to-share">https://www.carinsurance.com/coverage-definition/comprehensive-insurance.aspx</div></div><div class="g-recaptcha" data-sitekey="6LdOaw0UAAAAAAj3DY3P88SboeRQaae_0_K6RAXq"></div><div class="send-mail-btn-container"><input id="sm-share-via-email" type="button" value="Send Email" name="send" class="send-mail-btn"></div></form></div><div id="mail-response"></div>
<a class="popup-close" data-popup-close="sm-email-popup" href="#"></a></div></div>
<section class="about_article"><div class="author_info corners_rounded_right"><div class="author_details"><div class="updated_on">
<time datetime="2016-06-27">
<span class="" itemprop="datePublished dateModified">June 27, 2016</span>
</time></div><div class="byline-border"></div>
<span class="author_name"><span class=""  itemprop="author">By CarInsurance.com</span>
</span></div></div>
</section><div class="clear"></div><hr /><div id="content-holder" itemprop="articleBody"><h2><strong><img alt="Hail damage on car hood" height="201" src="/imagesvr_ce/2854/PortraitHailCarHood.jpg" style="float: right; margin: 10px 5px;" width="333" />What does comprehensive coverage do?</strong></h2><p><a name="comprehensive1"></a>Comprehensive insurance covers damage to your car from incidents other than collisions. This normally includes coverage for:</p><ul><li>Theft</li><li>Vandalism</li><li>Glass damage (such as a broken windshield)</li><li>Damage sustained from hitting an animal or bird</li><li>Damage from falling objects or missiles</li><li>Fire</li><li>Floodwaters</li><li>Severe weather damage</li></ul><p><br />To file a <a href="https://www.carinsurance.com/hail-damage-claims.aspx" target="_blank">hail damage claim</a>, <a href="https://www.carinsurance.com/kb/comprehensive-covers-car-for-hurricane-damage" target="_blank">hurricane damage claim</a> or<a href="https://www.carinsurance.com/Articles/questions-if-a-tornado-damages-your-car.aspx" target="_blank"> tornado damage claim</a> for your car, you must have comprehensive coverage.</p><p style="text-align: center;padding:5px 0px;"><a rel="nofollow" id="monetize" href="https://www.carinsurance.com/autonewmodel/geo" style="font-size:18px;color:#0645ad;">[Let CarInsurance.com help you find affordable auto insurance now.]</a></p><p>You need to obtain not only comprehensive but also collision coverage to have physical damage or "full coverage" on your car. Collision will cover you if your car hits, or is hit by, another vehicle or object. Some insurance companies will not offer you comprehensive coverage unless you also carry collision coverage as part of your car insurance policy.</p><p>When obtaining a quote for comprehensive coverage, you will need to choose a deductible amount.&nbsp;A deductible is the portion of a claim that you&rsquo;re responsible for paying before your insurance benefits start to pay out.</p><p>The value of the car, your driving record, the deductible you choose and repair costs determine the cost of comprehensive coverage, but it is usually very affordable. The average annual cost nationwide for comprehensive coverage is just $134, according to the Insurance Information Institute. That's not much to pay to ensure you get the actual cash value (ACV) for your car, minus the deductible, if your car is totaled. ACV is how much your car is worth on the market before it sustained damages.</p><p>Comprehensive claims will not raise your rates unless you file multiple claims in a short period.</p><h2><strong>Is comprehensive coverage mandatory?</strong></h2><p><a name="comprehensive2"></a>Comprehensive insurance is not legally required by any state. Most states require property damage liability so that your insurer will pay (up to your limits) if you damage other people&rsquo;s vehicles or property, but states do not require that you carry coverage to pay for damages to your own car.</p><p>However, if you have a loan or lease on your vehicle, then your lienholder can (and usually will) require that you carry this coverage and may mandate the specific deductible amount you have to select.</p><p>If want to lower your insurance premium by raising your deductible while your car is still financed, be sure to check with your lienholder to see if they will allow a higher deductible than what you are currently carrying.</p><h2>What is the recommended deductible?</h2><p><a name="comprehensive3"></a>Usually, you can choose for your <a href="https://www.carinsurance.com/Articles/comprehensive-deductible.aspx">comprehensive deductible</a> an amount anywhere from $100 to $2,500 (deductible choices vary according to state laws and insurance company guidelines). Most car owners choose a deductible of between $250 and $1,000.</p><p>The higher the deductible the less expensive your premium will be, because the insurer is taking less risk of paying out for claims. &nbsp;</p><p>Take your own finances into account when choosing a deductible. Saving money on your premium is nice, but do you have the ability to take on a larger out-of-pocket expense when making a claim?&nbsp; For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,800, you will pay $1,000 and your insurance company will pay $800.&nbsp;</p><p>Deductibles are normally due per incident, so you will have to pay your deductible amount out every time you make a comprehensive claim. The exception being if you live in a state where laws require the deducible to be waived for windshield claims.</p><h2><strong>What happens if I don&rsquo;t have comprehensive coverage?</strong></h2><p><a name="comprehensive4"></a>Without comprehensive coverage, you cannot make a car insurance claim if your vehicle receives damage that is considered &ldquo;other than collision&rdquo; damage by your insurer. This leaves you personally responsible to pay for the repairs, unless there is someone else found liable for the damages (such as a vandal or car thief) that is known and available for you to go after for the repair costs.</p><p>With a newer, high valued car, you will usually want this added protection for your vehicle, whether you have financed it or not. If your car is stolen soon after you buy it, you don&rsquo;t want to be out the full cost of a replacement vehicle.&nbsp;</p><p>If you have an older car with a low value (without a lease or loan on it), you may not want to pay for this coverage since if the car is damaged, or totaled, the low insurance compensation amount may not be worth the premium paid out.</p><p>Knowing how much your vehicle is worth can help you decide if comprehensive coverage is worth the extra cost. Find out the current value of your car by using appraisal tools offered on sites such as Kelley Blue Book (KBB), NADAguides, and Edmunds.</p></div><div class="clear"></div>
</article><div class="tagSet padd_all_10">
<aside class="compre_quotes_short corners_rounded_all box_shadow_all"><div class="grid_2">Compare Quotes Now</div><div class="compare_quote_short_form"><form method="post" action="/autonewmodel/z" class="zip-submit" id="mini_quote_form"><fieldset>
<input name="zip" type="text"  class="zipcode field_zip textbox_shadow" value="Enter ZIP Code" size="15" title="Enter ZIP Code" />
<input name="Go" type="submit" class="blue_btn"  value="" /></fieldset></form>
<input type="hidden" name="sid" value=""></div>
</aside><hr /></div><div class="clear"></div>
<section class="alpha mod_comments clearfix padd_all_10"><h3 class="bold">Comments</h3><h4 class="top_right_2">Tell us your thoughts</h4><div id="respond"><div class="comment_reply_header">Leave a Comment</div><form method="post" id="comment_lib_form" action="/saveComment.aspx" name="my_comment_form"><div class="auth_name">
<input type="text" name="author" placeholder="Name" id="author" size="22" value="" title="Name" class="comment-input" onfocus="if (this.value == 'Name') {
this.value = ''
}" onblur="if (this.value == '') {
this.value = 'Name'
}" data-role="none" /><div class="error" id="name_err"></div></div><div class="auth_mail">
<input type="text" name="authorEmail" placeholder="Email" id="authorEmail" size="22" value="Email"  class="comment-input" onfocus="if (this.value == 'Email') {
this.value = ''}" onblur="if (this.value == '') {
this.value = 'Email'}" data-role="none"/><div class="error" id="email_err"></div></div><div class="callout"><textarea name="comment" id="comment" cols="100" rows="10" class="comment-input-textarea" data-role="none" placeholder="Type your comment here..."></textarea></div><div class="error" id="comment_err"></div>
&nbsp;<div id="recaptcha_image"></div><div class="recaptcha_buttons"><div class="recaptcha_button refresh"> <a href="javascript:Recaptcha.reload()"></a></div><div class="recaptcha_button help"> <a href="javascript:Recaptcha.showhelp()"></a></div></div><div class="captcha_response_field">
<input type="text" id="recaptcha_response_field" name="recaptcha_response_field" class="textInput right" placeholder="Enter Captcha" data-role="none" /></div><div class="clearboth"></div>&nbsp;<div class="error" id="captcha_err"></div><div class="submit_button_div">
<input type="button" onclick="return submitComment();" name="submit" id="submit" value="Submit" data-role="none">
<input type="reset" value="Reset" id="reset" name="reset" data-role="none"><div id="waitingplaceholder" class="waitingplaceholder">&nbsp;</div>
<input type="hidden" name="commentPostID" value="37640210" id="commentPostID" data-role="none">
<input type="hidden" name="commentParentID" id="commentParentID" value="" data-role="none">
<input type="hidden" name="websiteId" id="websiteId" value="" data-role="none">
<input type="hidden" name="commentPostFormHiddenVal1" value="1" id="commentPostFormHiddenVal1" data-role="none" />
<input type="hidden" name="currentPageNumber" value="1" id="currentPageNumber" data-role="none" />
<input type="hidden" name="articleUrl" value="/coverage-definition/comprehensive-insurance.aspx" id="articleUrl" data-role="none" /></div><p class="success_msg" id="success_message_display"></p> <script type="text/javascript">var RecaptchaOptions = {theme: "custom"};
</script> <script type="text/javascript" src="https://www.google.com/recaptcha/api/challenge?k=6LeF8sASAAAAABtqyfvhiEJMlYRHFTa57crbT9th">
</script> <noscript>
<iframe src="https://www.google.com/recaptcha/api/noscript?k=6LeF8sASAAAAABtqyfvhiEJMlYRHFTa57crbT9th" height="300" width="500" frameborder="0"></iframe><br><textarea name="recaptcha_challenge_field" rows="3" cols="40" data-role="none"></textarea><input type="hidden" name="recaptcha_response_field" value="manual_challenge" data-role="none" >
</noscript></form></div><script type='text/javascript'>function setParentCommentValue(parentKey)
{       
    document.getElementById('commentParentID').value = parentKey;
    setTimeout(function(){
    $('#author').focus();
    },500);
}
function display_error(errorArr)
{
	var errLength = errorArr.length;
	var err_message = '';
	for(i = 0; i <= errLength; i++)
	{
		if (errorArr[i] !== 'error' && errorArr[i])
		{
			var err_element_id = errorArr[i];
			switch(err_element_id)
			{
				case 'name_err':
					err_message = "The field 'Name' is required";
					document.getElementById(err_element_id).style.display = "block";
					document.getElementById(err_element_id).innerHTML     = err_message;
					break;
				case 'email_err_null':
					err_message = "The field 'Email' is required";
					document.getElementById('email_err').style.display 	  = "block";
					document.getElementById('email_err').innerHTML        = err_message;
					break;
				case 'email_err_invalid':
					err_message = "Please input a valid email";
					document.getElementById('email_err').style.display    = "block";
					document.getElementById('email_err').innerHTML        = err_message;
					break;
				case 'website_err':
					err_message = "Enter a valid website name";
					document.getElementById('website_err').style.display  = "block";
					document.getElementById('website_err').innerHTML      = err_message;
					break;
				case 'comment_err':
					err_message = "Please input some comment";
					document.getElementById(err_element_id).style.display = "block";
					document.getElementById(err_element_id).innerHTML     = err_message;
					break;
				case 'comment_err_length':
					err_message = "Comment length should not be greater than 4000";
					document.getElementById('comment_err').style.display  = "block";
					document.getElementById('comment_err').innerHTML      = err_message;
					break;
				case 'captcha_err_null':
					err_message = "Incorrect. Please try again!";
					document.getElementById('captcha_err').style.display  = "block";
					document.getElementById('captcha_err').innerHTML      = err_message;
					break;
				case 'captcha_err_invalid':
					err_message = "Incorrect. Please try again!";
					document.getElementById('captcha_err').style.display  = "block";
					document.getElementById('captcha_err').innerHTML      = err_message;
					break;
			}
		}
	}
}
function submitComment()
{
	var comment_author 			  = document.getElementById('author').value;
	var authorEmail     		  = document.getElementById('authorEmail').value;
	var websiteurl     			  = '';
	var comment             	  = document.getElementById('comment').value;
	var comment_parent 			  = document.getElementById('commentParentID').value;
	var recaptcha_challenge_field = document.getElementById('recaptcha_challenge_field').value;
	var recaptcha_response_field  = document.getElementById('recaptcha_response_field').value;
	var comment_post_ID 		  = document.getElementById('commentPostID').value;
    //cache fix
    var comment_page_number 	  = document.getElementById('currentPageNumber').value;
    var comment_article_url 	  = document.getElementById('articleUrl').value;

	document.getElementById('name_err').innerHTML    = '';
	document.getElementById('email_err').innerHTML   = '';
	document.getElementById('comment_err').innerHTML = '';
	document.getElementById('captcha_err').innerHTML = '';
	
	if (comment_author == null || comment_author == '')
	{
		alert('Name must be filled out');
		document.getElementById('author').focus();
		return false;
	}
	if (authorEmail !== '')
	{
		var atpos  = authorEmail.indexOf('@');
		var dotpos = authorEmail.lastIndexOf('.');
		if (atpos < 1 || dotpos < atpos+2 || dotpos+2 >= authorEmail.length)
		{
			alert('Not a valid e-mail address');
			document.getElementById('authorEmail').focus();
			return false;
		}	
	}
	else
	{
		alert('E-mail must be filled out.');
		document.getElementById('authorEmail').focus();
		return false;
	}
	if(websiteurl !== '')
	{
		var v = new RegExp();
		v.compile('^[A-Za-z0-9-_]+\\.[A-Za-z0-9-_%&\?\/.=]+$');
		if (!v.test(websiteurl)) 
		{
			alert('Enter a valid website name.');
			document.getElementById('url').focus();
			return false;
		}
	}
	if (comment == null || comment == '')
	{
		alert('Comment must be filled out.');
		document.getElementById('comment').focus();
		return false;
	}
	if (recaptcha_response_field == null || recaptcha_response_field == '')
	{
		alert('Captcha must be filled out.');
		document.getElementById('recaptcha_response_field').focus();
		return false;
	}
	
	var ajaxRequest;
	
	try
	{
		ajaxRequest = new XMLHttpRequest();
	}
	catch (e)
	{
		try
		{
			ajaxRequest = new ActiveXObject('Msxml2.XMLHTTP');
		}
		catch (e)
		{
			try
			{
				ajaxRequest = new ActiveXObject('Microsoft.XMLHTTP');
			} 
			catch (e)
			{
				return false;
			}
		}
	}
	ajaxRequest.onreadystatechange = function()
	{
		if(ajaxRequest.readyState == 4)
		{
			document.getElementById('waitingplaceholder').innerHTML = '';
			var response = ajaxRequest.responseText;
			
			if (response.indexOf('error') != -1)
			{
				//we again ask for fresh recaptcha; since it serves only single request
				Recaptcha.reload("t");
				var err_element_array = response.split('|');
				display_error(err_element_array);
			}
			else
			{
				document.getElementById('name_err').innerHTML    = '';
				document.getElementById('email_err').innerHTML   = '';
				document.getElementById('comment_err').innerHTML = '';
				document.getElementById('captcha_err').innerHTML = '';
				var container = document.getElementById('respond');
			    if(comment_parent !== '')
			    {
					document.getElementById('commentParentID').value         = '';
			    }
				if(response == 'ERROR')
				{
					document.getElementById('success_message_display').style.color   = 'red';
				}
				else
				{
					document.getElementById('comment').value                     = '';
					document.getElementById('success_message_display').innerHTML = response;
				}
				document.getElementById('success_message_display').style.display = 'block';
				document.getElementById('recaptcha_response_field').value    = '';
				if(document.getElementById('lib_nocomments'))
				{
					document.getElementById('lib_nocomments').style.display  = 'none';
				}
				Recaptcha.reload("t");
				document.getElementById('success_message_display').focus();
			}
		}
	}	
	var websiteId = document.getElementById('websiteId').value;
	var commentPostFormHiddenVal = document.getElementById('commentPostFormHiddenVal1').value;
	var urlParts = websiteurl.replace('http://','').replace('https://','').split(/[/?#]/);
	websiteurl = urlParts[0];
	document.getElementById('waitingplaceholder').innerHTML = '<img src="/images/busy.gif" width="15" height="15" />';
    //cache fix
	var params = 'author=' + escape(comment_author) + '&authorEmail=' + authorEmail + '&websiteurl=' + websiteurl + '&comment=' + escape(comment) + '&commentParentID=' + comment_parent + '&recaptcha_challenge_field=' + recaptcha_challenge_field + '&recaptcha_response_field=' + recaptcha_response_field + '&commentPostID=' + comment_post_ID + '&websiteId=' + websiteId + '&commentPostFormHiddenVal=' + commentPostFormHiddenVal + '&comment_page_number=' + comment_page_number + '&comment_article_url=' + comment_article_url;
    
	ajaxRequest.open('POST', document.my_comment_form.action , true);
	ajaxRequest.setRequestHeader('Content-type', 'application/x-www-form-urlencoded');
	ajaxRequest.setRequestHeader('Content-length', params.length);
	ajaxRequest.send(params);
	//ajaxRequest.setRequestHeader('Connection', 'close');
}
</script><meta itemprop="interactionCount" content="UserComments:0"/><div id="comments_header">0 Responses to "Comprehensive Insurance"</div><script type='text/javascript'>function appendCssToHead()
{
    var fileref = document.createElement("link");
    fileref.setAttribute("rel", "stylesheet");
    fileref.setAttribute("type", "text/css");
    fileref.setAttribute("href", "https://www.carinsurance.com/css/comment.css");
    document.getElementsByTagName("head")[0].appendChild(fileref);
    document.getElementById("success_message_display").innerHTML = "There was problem in posting your comment. Please try again!";
}
function addLoadEvent(func)
{
    var oldonload = window.onload;
    if (typeof window.onload != 'function')
    {
        window.onload = func;
    }
    else
    {
        window.onload = function()
        {
            //this will allow any previously defined onload function on page to execute
            if(oldonload)
            {
                oldonload();
            }
            //and then append css link at the end of <head> tag
            func();
        }
    }
}
addLoadEvent(appendCssToHead);
</script> </section></div><div class="alpha vspace_top_5 clearfix">
<span style="color: #3F3F3F; font: normal 12px Trebuchet MS;">Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our <a style="color:#006895; text-decoration:none;" href="https://www.carinsurance.com/TermsOfUse.aspx" target="_blank">Terms of Service</a>.</span></div></div></div><div class="grid_4 omega" id="section_right_rail">
<aside class="grid_4"><div id="discountsPageShListing" class="sticky"></div> <script>$(document).ready(function() {
        $.ajax({
           type: "POST",
           url : "/discounts-page-sh.aspx",
           data: {  },
           dataType: "html",
           success : function(data) {
              $("#discountsPageShListing").html(data);
               if ( $("#sh_quote_body").length > 0 )
                {
                  $("#sh_quote_body li").hoverIntent({
                      over    : openPopUp,
                      timeout : 500,
                      out     : closePopUp
                  });
                }
           }
        });
        function openPopUp(){
            $(".sh_carrier_wrap .sh_slide_wrap", this).animate({"width": 340}, 400, "linear");
        }
        function closePopUp(){
            $(".sh_carrier_wrap .sh_slide_wrap", this).animate({"width": 0}, 400, "linear");
        }
        });
</script> </aside>
<aside class="grid_4"><div class="mod_compre_quotes vspace_bottom_20"><div class="top_section">Compare Quotes Now</div><div class="compare_quote_form"><form method="post" action="/autonewmodel/z" class="zip-submit" id="quote_form"><fieldset>
<input name="zip" type="text"  class="zipcode field_zip textbox_shadow" value="Enter ZIP Code" size="15" title="Enter ZIP Code" />
<input name="Go" type="submit" class="blue_btn"  value="" /></fieldset>
<input type="hidden" name="sid" value=""></form></div>
<span class="size_13">Prefer to talk to an agent? <span class="call-center-phone-number">1-855-430-7753</span></span></div>
</aside>
<aside class="grid_4"><div id="state_requirement_block"></div> <script type="text/javascript">var xhr = new XMLHttpRequest();
    xhr.open("GET", "/load_state_requirement_module.aspx", true);
    xhr.onload = function (e) {
      if (xhr.readyState === 4) {
        if (xhr.status === 200) {
            var data = JSON.parse(xhr.responseText);
            $('#state_requirement_block').html(data.content);
        }
      }
    };
    xhr.send(null);
</script> </aside>
<aside class="grid_4"><div class="howMuch_carInsurance_container"><div class="top_section"><div class="main_widget_img">
<img width="298" height="391" src="/images/carinsurance_driver_widget_background.jpg"></div></div><div class="middle_section"><div class="text_section"><div class="text_section_top">
<span class="text_top_bold">HOW MUCH <br>CAR INSURANCE </span><span><br>DO I NEED?</span></div><div class="text_section_bottom">
<span>See recommended <span class="text_bottom_blue">coverage levels </span>for drivers like you.</span></div></div></div><div class="bottom_section">
<a class="find_out_btn" href="https://www.carinsurance.com/Articles/how-much-car-insurance-should-you-buy.aspx">FIND OUT</a></div></div>    </aside>
<aside class="grid_4"><div class="mod_mini_ask_penny vspace_bottom_20" id="sidebar_mini_ask_penny"><div class="subtext">
<span class="size_20 color_ash"><span class="color_white">Ask Penny</span> any question about your coverage</span></div>
<a class="start_now_btn" href="https://www.carinsurance.com/kb/ask.aspx" class="bold color_white size_13 bottom_right_10">Start now&nbsp;<span class="white_arrow">&nbsp;</span></a></div>    </aside>
<aside class="grid_4"><div class="license_plate_banner_small"><div class="license_plate_banner_inner"><div class="banner_header">
<span class="banner_header_text">RANK YOUR <span class="banner_header_bold">FAVORITE U.S. LICENSE PLATES</span></span></div><div class="banner_text">
<span>
<span class="banner_place_name">Wyoming's </span> license plate currently ranks as the <span class="banner_place_rank">#1 most popular </span>in the country!
</span></div>
<a href="https://www.carinsurance.com/best-and-worst-license-plates.aspx" class="banner_vote_button">
CAST YOUR VOTE NOW
</a></div></div>    </aside><aside class="grid_4" id="credit_card_widget"></aside></div></div>
<footer id="section_footer"><div class="hrline_footer"></div><div class="corners_rounded_all footer-section"><div class="footer_row1"><div class="logo_footer">
<img width="248" height="47" alt="Carinsurance.com" src="https://www.carinsurance.com/images/home/logo.gif" itemprop="logo"></div></div>
<nav class="footer_links grid_12 alpha omega"><div class="grid_1"><ul class="col3"><li><a href="https://www.carinsurance.com/">Home</a></li><li><a href="https://www.carinsurance.com/AboutUs.aspx">About Us</a></li><li><a href="https://www.carinsurance.com/ContactUs.aspx">Contact Us</a></li><li><a target="_blank" rel="nofollow" href="http://quinstreet.com/careers">Careers</a></li></ul></div><div class="grid_1"><ul class="col3"><li><a href="https://www.carinsurance.com/Articles.aspx">Articles</a></li><li><a href="https://www.carinsurance.com/PrivacySecurity.aspx">Privacy Policy</a></li><li><a href="https://www.carinsurance.com/TermsOfUse.aspx">Terms of Service</a></li><li><a href="https://www.carinsurance.com/SiteMap.aspx">Site Map</a></li></ul></div></nav><div class="col12 last_row"><div class="security_authorities_stripe_container"><div class="security_authorities_stripe_wrapper">
<a target="_blank" id="bbblink" class="ruhzbus bbb" href="//www.bbb.org/greater-san-francisco/business-reviews/internet-marketing-services/quinstreet-inc-in-san-mateo-ca-69434/#bbblogo" title="Quinstreet, Inc., Internet Marketing Services, Foster City, CA" style="float:left;"><img id="bbblinkimg" src="//seal-goldengate.bbb.org/logo/ruhzbus/quinstreet-69434.png" width="200" height="45" alt="Quinstreet, Inc., Internet Marketing Services, Foster City, CA" /></a> <script type="text/javascript">var bbbprotocol = (('https:' == document.location.protocol) ? 'https://' : 'http://' );
                        document.write(
                            unescape(
                                "%3Cscript src='" + bbbprotocol + 'seal-goldengate.bbb.org' +
                                unescape('%2Flogo%2Fquinstreet-69434.js') + "' type='text/javascript'%3E%3C/script%3E"
                            )
                        );
</script><script src="//seal-goldengate.bbb.org/logo/quinstreet-69434.js" type="text/javascript">
</script> </div></div></div>
<span class="grid_6 footer-copyright"><span class="size_12">&copy; 1995-2018 QuinStreet Insurance Agency, Inc. &mdash; Online Insurance Marketplace&trade;</span></span>
<span class="grid_6 footer-desclaimer" style="width:98%;"><span class="size_12">
Disclaimer: The insurance products on CarInsurance.com are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on CarInsurance.com (including the order in which they appear).
QuinStreet does not include all insurance companies or all types of products available in the marketplace.
</span>
</span></div>
</footer> <script type="text/javascript" src="/hqx/min/?g=article-js&amp;v=565">
</script> <script type="text/javascript">function getParameterByName(name)
    {
        name = name.replace(/[\[]/, "\\\[").replace(/[\]]/, "\\\]");
        var regexS = "[\\?&]" + name + "=([^&#]*)";
        var regex = new RegExp(regexS,'i');
        var results = regex.exec(window.location.search);
        if(results == null)
            return "";
        else
            return decodeURIComponent(results[1].replace(/\+/g, " "));
    }
    function readCookie(name)
    {
        var nameEQ = name + "=";
        var ca = document.cookie.split(';');
        for(var i = 0; i < ca.length; i++) {
            var c = ca[i];
            while (c.charAt(0) == ' ') c = c.substring(1, c.length);
            if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length, c.length);
        }
        return null;
    }
    function is_GA_required()
    {
        //Show GA by default
        var output = true;

        //If we have decided earlier to supress GA, then continue to do so
        if (readCookie("show_GA") != null && readCookie("show_GA") == "false")
        {
            output = false;
        }
        else if (readCookie("show_GA") == null) //If no cookie is present
        {
            var qs_src  = getParameterByName('WT.qs_src');
            var srch    = getParameterByName('WT.srch');

            if (qs_src != "" || (srch != "" && srch == "1"))
            {
                //Cookie that will expire at end of session
                document.cookie = "show_GA=false; path=/";
                output = false;
            }
        }
        return output;
    }
    
    var GA_required = is_GA_required();
</script> <noscript><iframe src="//www.googletagmanager.com/ns.html?id=GTM-WTS5J9" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <script type="text/javascript">if (GA_required == true)
    {
        (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
        new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
        j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
        '//www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
        })(window,document,'script','dataLayer','GTM-WTS5J9');
    }
</script> <script type="text/javascript">page_url = location.href.split( '/' );
	base_url = page_url[3];
        	if(base_url != '')
	{
             var chatterScriptElem = document.createElement("script");
             chatterScriptElem.id  = 'widget_3903';
             chatterScriptElem.src = '//widgets.quinstreet.com/3903/check/61';
             document.body.appendChild(chatterScriptElem);

                                                if (typeof _gaq != 'undefined'){
                                _gaq.push(['_trackEvent', 'Chatter', 'Loaded', 'Loaded', 1, true]); //track Chatter Box Loaded
                            }
                            
                if($('#mini_quote_form .blue_btn').length != 0){
                   $('#mini_quote_form .blue_btn').after('<input type="hidden" id="sid_btm" name="sid" value="" />');
                }
                if($('#quote_form .blue_btn').length != 0){
                   $('#quote_form .blue_btn').after('<input type="hidden" id="sid_right" name="sid" value="" />');
                }

           }
</script> <div id="ClickTaleDiv" style="display: none;"></div> <script type='text/javascript'>document.write(unescape("%3Cscript%20src='"+
 (document.location.protocol=='https:'?
  'https://clicktalecdn.sslcs.cdngc.net/www/':
  'http://s.clicktale.net/')+
 "WRe0.js'%20type='text/javascript'%3E%3C/script%3E"));
</script> <script type="text/javascript">var ClickTaleSSL=1;
if(typeof ClickTale=='function') ClickTale(49773,0.3,"www");
</script> <script type='text/javascript'>String.prototype.endsWith = function(suffix) {
    return this.indexOf(suffix, this.length - suffix.length) !== -1;
};

if (typeof jQuery == "undefined")
{
    var fileref = document.createElement("script");
    fileref.setAttribute("type", "text/javascript");
    fileref.setAttribute("src", "//ajax.googleapis.com/ajax/libs/jquery/1.7.1/jquery.min.js");
    var parent = document.getElementsByTagName("head")[0];
    parent.insertBefore(fileref,parent.childNodes[0]);
}

jQuery.uaMatch = function( ua ) {
    ua = ua.toLowerCase();
    var match = /(chrome)[ \/]([\w.]+)/.exec( ua ) ||
        /(webkit)[ \/]([\w.]+)/.exec( ua ) ||
        /(opera)(?:.*version|)[ \/]([\w.]+)/.exec( ua ) ||
        /(msie) ([\w.]+)/.exec( ua ) ||
        ua.indexOf("compatible") < 0 && /(mozilla)(?:.*? rv:([\w.]+)|)/.exec( ua ) || [];
    return {
        browser: match[ 1 ] || "",
        version: match[ 2 ] || "0"
    };
};

jQuery.getBrowser = function () {
    if ( !jQuery.browser ) {
        var matched = jQuery.uaMatch(navigator.userAgent);
        var browser = {};
        if ( matched.browser ) {
            browser[ matched.browser ] = true;
            browser.version = matched.version;
        }
        // Chrome is Webkit, but Webkit is also Safari.
        if ( browser.chrome ) {
            browser.webkit = true;
        } else if ( browser.webkit ) {
            browser.safari = true;
        }
        jQuery.browser = browser;
    }
    return jQuery.browser;
};

var AutoNewModel = {
    getZipErrorMessage: function(zipcode_type)
    {
        var ca_error_msg = 'Please enter a valid Canada postal code.';
        var us_error_msg = 'Please enter a valid US zip code.';
        var error_msg    = 'Please enter a valid US or Canada postal code.';
        if (zipcode_type == 'US')
        {
            return us_error_msg;
        }
        else if (zipcode_type == 'Canada')
        {
            return ca_error_msg;
        }
        else
        {
            return error_msg;
        }
    },

    showFormErrors: function(error, form)
    {
        var newmodel = this;
        newmodel.clearAllFormErrors(form);
        if (error[0].field == 'form')
        {
            newmodel.addErrorFlag(form, error[0].message);
        }
        else
        {
            for(x in error)
            {
                var location = '';
                if (error[x].field == 'zip' || error[x].field == 'insured')
                {
                    location = form + ' input[name="' + error[x].field + '"]';
                    $(location).addClass('formError');
                    newmodel.addErrorFlag(location, error[x].message);
                    return false;
                }
                else
                {
                    newmodel.clearAllFormErrors(form);
                    location = form;
                    newmodel.clearInputError(form);
                }
            }
        }
    },

    trimWhiteSpaces: function(str)
    {
        return (str != '' && str != null && typeof str === 'string')
            ? str.replace(/^\s+|\s+$/g, '')
            : '';
    },

    clearAllFormErrors: function(form)
    {
        jQuery(form).find('.errorFlag').remove('.errorFlag');
        jQuery(form).find("div:visible[id*='error_msg']").hide();
    },

    clearInputError: function(location)
    {
        jQuery(location).siblings('.errorFlag').remove();
        jQuery(location).removeClass('formError');
    },

    addErrorFlag: function(location, message)
    {
        var newmodel = this;
        var field    = $(location).parent('fieldset');

        if (jQuery(field).children('[id^=' + $(location).attr('name') + '_error_msg]').length > 0)
        {
            jQuery(field).children('[id^=' + $(location).attr('name') + '_error_msg]').show();
        }
        else
        {
            jQuery(field).prepend('<div class="errorFlag"><div class="paddingWrapper"><a href="void()" class="close">x</a><p>' + message + '</p></div></div>');
            jQuery(location).siblings('.errorFlag').children('.paddingWrapper').children('.close').click(function (j) {
                j.preventDefault();
                newmodel.clearInputError(location);
            });
        }
    },

    sendAlert: function(xhr_request, xhr_status, post_data, quote_loc)
    {
        var debug_data = '';
        var newmodel   = this;

        quote_loc      = quote_loc.replace('#','');

        if (typeof (post_data) == 'string')
        {
            debug_data = post_data;
        }
        else
        {
            if (post_data.state != 'undefined' && post_data.state != null)
            {
                debug_data += '&state='+post_data.state;
            }
            if (post_data.zip != 'undefined' && post_data.zip != null)
            {
                debug_data += '&zip='+post_data.zip;
            }
            if (post_data.insured != 'undefined' && post_data.insured != null)
            {
                debug_data += '&insured='+post_data.insured;
            }
        }

        jQuery.ajax({
            type: 'GET',
            url: '//' + document.domain + '/autonewmodel/emailalert',
            data: 'where=' + quote_loc +
                '&action=' + encodeURIComponent($('#'+quote_loc).attr('action')) +
                '&product=LB auto' +
                '&errorDescription=' + newmodel.trimWhiteSpaces(xhr_request) +
                '&ajxStatus=' + xhr_status +
                debug_data
        });
    },

    isValidUSZip: function(zip)
    {
        return /^[0-9]{5}(?:-[0-9]{4})?$/.test(zip);
    },

    isValidState: function(state)
    {
        return /^[A-Za-z]{2}$/.test(state);
    },

    isValidCanadaZip: function(zip)
    {
        return /^[ABCEGHJKLMNPRSTVXY][0-9][A-Z][\s]?[0-9][A-Z][0-9]$/.test(zip);
    },

    getUniqueValues: function(arrayName)
    {
        var newArray = new Array();

        label:for (var i=0; i<arrayName.length;i++)
        {
            for(var j=0; j<newArray.length;j++ )
            {
                if (newArray[j]==arrayName[i])
                    continue label;
            }
            newArray[newArray.length] = arrayName[i];
        }
        return newArray;
    },

    formValidation: function(event, form)
    {
        var newmodel        = this;
        var form_id         = '#' + jQuery(form).attr('id');
        var data            = window.location.search.substring(1) + '&' + jQuery(form).serialize();
        var data_arr        = data.split('&');
        var unique_data_arr = this.getUniqueValues(data_arr);
        data                = unique_data_arr.join('&');

        newmodel.clearAllFormErrors(form_id);
        newmodel.showFormErrors([{'field': 'form', 'message': 'Processing...'}], form_id);

        jQuery.ajax({
            async:    false,
            cache:    false,
            url:      jQuery(form).attr('action'),
            type:     'GET',
            data:     data,
            dataType: 'json',
            success: function (result) {
                if (result && result.errors.length == 0)
                {
                    newmodel.clearAllFormErrors(form_id);
                    newmodel.processFormRedirect(result);
                }
                else
                {
                    AutoNewModel.showFormErrors(result.errors, form_id);
                }
            },
            error: function (XHR, textStatus) {
                AutoNewModel.showFormErrors([{'field': 'form', 'message': 'An error has occured please try again.'}], form_id);
                newmodel.sendAlert(XHR, textStatus, data, form_id);
            }
        });
    },

    redirectQuote: function (event, refobj)
    {
        var newmodel = this;
        jQuery.ajax({
            async:    false,
            cache:    false,
            url:      jQuery(refobj).attr('href'),
            type:     'GET',
            data:     {},
            dataType: 'json',
            success: function (result) {
                if (result.errors.length == 0)
                {
                    newmodel.processFormRedirect(result);
                }
            },
            error: function (XHR, textStatus) {
                newmodel.sendAlert(XHR, textStatus, {} , 'In Article Link');
            }
        });
    },

    /*
    Redirection of NM lead form and lbrates page based on implementation type
    "leave_behind"        - opens NM lead form in PopUp and lbrates as leavebehind
    "nm_leave_behind"     - opens NM lead form as leave behind and lbrates in PopUp
    "quoteoptions_newtab" - opens NM lead form in new Tab and lbrates as leavebehind
    */
    processFormRedirect: function(data)
    {
        if (data.popup)
        {
            this.popupWindow(data.popup, 'newwindow');
        }
        if (data.newtab)
        {
            window.open(data.newtab, 'newtab');
        }
        if (data.redirect)
        {
            this.redirectUrl(data.redirect);
        }
    },

    popupWindow: function(url, name)
    {
        var ua = jQuery.getBrowser();
        var x  = (window.screenX || window.screenLeft || 0);
        var y  = (window.screenY || window.screenTop || 0);
        var j  = screen.width;
        var k  = screen.height;
        if ( ua.msie && ua.version.slice(0,3) == '6.0' )
        {
            window.open(url, name, "top=" + y + ", left=" + x + ", width=" + (j != null ? j : 1) + ",height=" + (k != null ? k : 1) + ",resizable=1,scrollbars=1,toolbar=1,menubar=1,location=1", false);
        }
        else
        {
            window.open(url, name, "top=" + y + ", left=" + x + ", width=" + (j != null ? j : 1) + ",height=" + (k != null ? k : 1) + ",resizable=1,scrollbars=1,toolbar=1,menubar=1,location=1", false).focus();
        }
    },

    redirectUrl: function(url)
    {
        var ua = jQuery.getBrowser();
        if ( ua.msie && ua.version.slice(0,3) == '6.0' )
        {
            window.location.href(url);
        }
        else
        {
            window.location.href = url;
        }
    }
}

if (typeof jQuery !== "undefined")
{
    jQuery(document).ready(function(){
        jQuery(document).on('click', 'a[href*="/autonewmodel/geo"], a[href*="/autonewmodel/state"], area[href*="/autonewmodel/state"]', function(e) {
            if (e.preventDefault) {e.preventDefault();}

            AutoNewModel.redirectQuote(e, this);
        });

        jQuery(document).on('submit', 'form[action*="/autonewmodel/"]', function(e) {
            if (e.preventDefault) {e.preventDefault();}

            /* Declare variables & set defaults */
            var zip_type         = 'US'
            var zip_val          = '';
            var zip_count        = $(this).find('input[name="zip"]').length;
            var insured_count    = $(this).find('input[name="insured"]').length;
            var is_valid_zip     = true; /* default true in case zip field is missing */
            var is_valid_insured = true; /* default true in case insured field is missing */
            var form_id          = '#' + $(this).attr('id');

            /* Clear errors */
            AutoNewModel.clearAllFormErrors($(this).attr('id'));

            /* Validate zip */
            if (zip_count > 0)
            {
                zip_val = $(this).find('input[name="zip"]').val();
                if ($(this).attr('action').endsWith('/autonewmodel/ca'))
                {
                    zip_type     = 'Canada';
                    is_valid_zip = AutoNewModel.isValidCanadaZip(zip_val);
                }
                else
                {
                    if (AutoNewModel.isValidCanadaZip(zip_val))
                    {
                        zip_type = 'Canada';
                    }
                    else if (!AutoNewModel.isValidUSZip(zip_val))
                    {
                        is_valid_zip = false;
                    }
                }
            }

            /* Validate insured */
            if (insured_count > 0 )
            {
                var input_type = $(this).find('input[name="insured"]').attr('type');
                if (input_type == 'radio' && typeof $(this).find('input[name="insured"]:checked').val() == 'undefined')
                {
                    is_valid_insured = false;
                }
            }

            if (is_valid_zip === true && is_valid_insured === true)
            {
                AutoNewModel.formValidation(e, this);
            }
            else if (!is_valid_zip)
            {
                var error_arr = [{
                    'field':   'zip',
                    'message': AutoNewModel.getZipErrorMessage(zip_type)
                }];
                AutoNewModel.showFormErrors(error_arr, form_id);
                return false;
            }
            else if (!is_valid_insured)
            {
                var error_arr = [{
                    'field':   'insured',
                    'message': 'Answer must be selected.'
                }];
                AutoNewModel.showFormErrors(error_arr, form_id);
                return false;
            }
        });
    });
}

</script></body></html>