Comprehensive insurance makes much more sense for people who have more expensive vehicles and property they would like to protect. In fact, some insurance companies require this type of cover on particular vehicles. You might choose it if you think you might enjoy having the perks that sometimes come with this type of cover, as well. It is the policy option to select when you want to be sure that you won't have to pay much out of pocket in a wider range of circumstances. In many instances, it is a more expensive choice because your company is accepting greater risk by covering you under more situations, so it can be harder to get if your budget is tight.
Part of car insurance basics is getting the right type of cover on your vehicle. You can opt for any of the three main types of vehicle insurance--Third Party Only, Third Party Fire & Theft and Comprehensive--to get on the road. It's always a good idea to reevaluate your circumstances regularly to see if the insurance you have is a good deal and providing the amount of cover you need.
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