Do you know what is comprehensive car insurance is? Comprehensive car insurance covers situations wherein your car is affected or damaged by events other than collisions.
For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.
  Comprehensive insurance coverage comes in handy in situations such as o    Somebody broke open your wind shields.
o    Car theft o    Damage  to the car from some animals o    Damage happened due to fallen trees or objects o    Some kind of weather damages o    Flood or Fire damage Do you really need to go for a comprehensive car insurance coverage?  The Answer is yes.
In fact, many of the states and insurance companies require that you have the comprehensive coverage.
Many people opt out of a comprehensive coverage to reduce the policy amount.
However, it is advised to take up a comprehensive coverage as this drastically reduces the cost of your car repair and maintenance.
Especially with the unpredictable nature of weather it makes senses to go for a policy which has a comprehensive coverage.
Let me ask you a few questions.
1)    Do you own a brand new or an expensive car? 2)    Do you park your car overnight in a high crime rate area? 3)    Do you park your car near to any playground? 4)    Do you park your car under the huge trees? If you answer yes to any or more of the above questions you will find the Comprehensive coverage especially useful.
One of the Tip to keep your car insurance premium low is to select as high a deductible as you feel comfortable paying out of your pocket.