Why frail vehicle doesn't want to buy full coverage (Collision & Comprehensive) insurance? Why it's not worth?

Answers: Check Kelly Blue Book value of your vehicle (a)
www.kbb.com

Figure what Comprehensive & Collision on your vehicle would cost you for 3 years... people on average hold 1 claim every 3-5 years.
Would you get your $s worth?

Do you have the odds of Comprehensive only??
I know Integon and State Farm both allow it. Then if it's an act of God (flood, tree falls on it, wind) or animal (hitting a deer) or your windshield get cracked by a rock; you'd have coverage. Comprehensive is the less expensive portion of your full-coverage - because the claims are not your glitch.
Collision takes care of occurances that are your mistake and hit&runs - that's why it's more expensive.

IF you have only one vehicle and no vehicle to replace it - you do need it. Don't take your agent's feelings if you know you need it. If they're not willing, find another agent Source(s): State Farm Agent
Because you settle up more in insurance, than the car is worth. Source(s): agent, 21+ years

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