Car insurance is an essential part of any vehicle ownership, whether you’re driving a secondhand Toyota Camry that cost you just a few grand, or a brand-new BMW M4 that you spent nearly six figures on. While third-party liability insurance coverage satisfies the bare minimum for most states’ requirements, insurance agencies always try to sell the idea of upgrading to comprehensive driving insurance. But does paying for more comprehensive coverage translate into more protections and guarantees that you, as a policyholder, are entitled to? We take a closer look at what comprehensive car insurance typically consists of, and how it compares to basic liability insurance plans – all to help answer the big question: “Do I need comprehensive insurance?”
