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What is comprehensive insurance coverage?
By the way, comp coverage also protects you from the loss of your vehicle if it’s ever stolen (though if you go with Metromile, our technology can help you track and recover your vehicle!).
In fact, with Metromile’s pay-per-mile system, you’ll get the same reliable comprehensive coverage you’d get from any other quality insurer. But you’ll likely pay less for it since you’ll pay a rate based on your driving habits. In the months you drive less, you’ll pay less for your car insurance. It’s a straightforward, fair approach that offers fantastic protection for your vehicle and great savings for you.
What does comprehensive coverage cover and what isn’t covered?
How much is comprehensive insurance?
Your rate for comprehensive insurance depends on many factors, such as the make and model of your car as well as the address where you park it at night. But you’ll be happy to know that comprehensive coverage can be affordable—especially if you choose pay-per-mile coverage through Metromile.
With Metromile, you can get a car insurance policy with comprehensive coverage for a low monthly base premium that starts at $29 per month. Then, you’ll pay as little as 6 cents per mile you drive. So if you drive less, you’ll pay less for your comprehensive coverage. (On average, our customers save $741* per year on car insurance with comprehensive coverage.)
How does comprehensive coverage work?
An overnight hailstorm gives your car an unwanted makeover, denting the hood and frame. The total bill for damage is $4,500. No good!
With Metromile, you can instantly file this claim online. (Other insurers may require a longer process.)
Get a payout to repair your vehicle (minus the deductible, of course!)—or take it to one of our partners for a streamlined repair process.
Comprehensive car insurance coverage FAQs
Do I need comprehensive insurance?
- Is your car leased or financed?
- Do you want your car insurance company to help you pay to replace or repair your vehicle if it gets stolen, a tree branch falls on it, or if it’s damaged in some other covered incident?
Is comprehensive insurance worth it?
For the majority of drivers on the road, comprehensive coverage is a great investment—especially when you can get it affordably with Pay-Per-Mile coverage.
Comprehensive coverage helps you avoid getting stuck with a huge bill when something unexpected happens to your car. Without comp coverage, you’ll have to pay out of your own wallet if a tree falls on your windshield or if your car is ever stolen. (And yes, those bills can cost thousands of dollars.)
Is comprehensive insurance full coverage?
Technically, there’s no such thing as “full coverage.” There’s no single policy that can cover you 100% in every situation—that’s not how car insurance works.
You still hear the term “full coverage,” though, because many people use it to describe insurance that covers both liability and physical damage (for example, a car insurance policy that includes both bodily injury and property damage coverages for other people as well as comprehensive and collision coverages for your own car).
So, no, comprehensive insurance coverage on its own doesn’t offer you full protection in every situation—but it does offer a set of protections that most drivers need.
See what customers are saying about Metromile
“I was looking to switch my previous insurance company, heard from a friend and I was skeptical in making the move but finally decided to give it a try. I never felt that i made wrong choice. Metromile is just awesome!!”
“They have fulfilled every deliverable in their sales promotion. Excellent app and people! Saving lots as I walk to work!”
“Metromile has saved me so much money! For someone that doesn’t drive very much this is exactly what I need. My insurance used to be 180 some dollars a month, now most months I pay 50 or 60, my biggest month in 2 years has been 110. When I had a claim for some vandalism to my car, they were fast and easy. I recommend Metromile to all my city dwelling friends!”