6 things you didn’t know car insurance covers

A new car? A hotel room? Yup, car insurance can cover you for those.

A comprehensive insurance policy can help protect you from the dangers of the road, and even the other dangers of the world that can damage your car when it’s parked or sitting in your garage. Compare a few hidden benefits you could get from your car insurance.

1. A new car

new car
Did you know that many car insurance policies will offer you a brand new car if yours is totaled written off? This is a special feature called new car protection that covers you if you bought your car brand new and it’s totaled within the first two or three years. New cars lose their value the second they drive off the lot, and you’re covered for that new car depreciation with new car protection.

The only other way to get a new car out of an insurance policy is to insure your car at an agreed value equal to what a new car would cost. With new car replacement coverage, you can insure your car for much cheaper while still being covered for the cost of a new one.

2. Child seats

car seat
You might already know that comprehensive car insurance usually covers some of your car’s contents, but if you’re a parent, you’ll be happy to find out that it also covers child car seats. Your kids’ car seats can’t be used again after a car crash, and you can replace them through your car insurance.

Your car insurance does limit the amount you get back on car seats per individual claim, so if you have multiple kids with pricey car seats, you might need to ask your insurer if you can increase that limit for a small fee. The good news is a comprehensive claim doesn’t increase your insurance rates.

3. A hotel

hotel
If you’re in an accident far from home, you’ll be glad to have a comprehensive policy that will put you up for the night. Trip interruption coverage kicks in if you have an accident outside a certain distance from your home and it’s unsafe to drive your car.

It will pay for you and your passengers to stay in a reasonably priced place, up to a certain dollar amount or number of days outlined in your policy. Just make sure to keep your receipts to get reimbursement or else your claim could be denied.

4. Vandalism

vandalism
If you have comprehensive car insurance, your policy can cover damage to your car even when there’s no culprit around to pin it on. Some hooligan keyed your car in the stadium parking lot? Covered. A few wannabe gangsters vandalize your ride? Covered.

You’ll also be covered for other situations where getting someone else to pay up can be difficult, like hit-and-runs, being hit by an uninsured or broke driver and getting dinged up by a shopping cart while you’re picking up groceries.

5. Hail damage and storms

storm
If your car is damaged in a storm, it might be difficult to convince mother nature to fork out the cash for repairs. That’s OK, because comprehensive car insurance has your back come rain or shine.

You’re covered against all types of storms and natural disasters, including floods, fires and high-speed winds. But you usually won’t be covered within the first day or two of buying your policy, so by the time you hear about an impending storm, it’ll be too late to upgrade your insurance.

6. Hitting an animal

cat

Hitting a deer can cause serious damage to your car. A comprehensive insurance policy can help cover the cost and get you back on the road.

If you hit a bird and shatter your windshield, car insurance can help you with that, too. Whether or not you’ll have to pay a deductible on your windshield depends on which state you live in. Some insurers offer full glass coverage as an add-on to your comprehensive coverage, which means you won’t have to pay a deductible for any windshield damage.

Bottom line

Paying a little more for your car insurance up front can save you a lot of money in the long run when you don’t have to pay out of pocket for unexpected mishaps. Protect your car by shopping around, pulling up a few quotes and finding a comprehensive policy that works for you.

Compare comprehensive car insurance policies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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30%
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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
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55%
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Get free quotes from top insurers for the exact coverage you need in minutes.
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26%
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
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Yes
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
30%
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Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

Comprehensive coverage FAQs

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