That depends on your claims history, driving record, and amount of vandalism. Your rate will probably go up because any time you "bill" your own insurance company for damages, they have the right to personally recover money from you through an insurance increase. A legal but smart thing to do is once your claim is settled and your car is fixed, switch insurance companies. Last year I had two rear end wrecks. The first time I rear ended an SUV and my insurance had to pay out $3,700 for damages to my car, plus the SUV. When my policy renewed two months later, they hiked my rate from $212 per month to $267! Six months later, I rear ended a tanker truck, and my insurance had to pay out $12,000. I drove around a rental car for about a month, and got $6,500 dollars from the insurance company. (12,000 minus 6,000 for the lienholder plus 500 rental reimbursement) I went to my broker to ask advice and to insure my new car as well. In California, your rate cannot be raised until you renew your polcy, unless you move resulting in a zip code change. Well at 267, I knew my rate would go up come the following April, so I had my broker search for a new company. He found one that was 50 dollars cheaper than what I was paying before. Not only that, I moved in town recently and my rate dropped another 12 dollars, resting at $198 per month. So if you have time, see your broker if you have one, or wait until what your renewal offer says.
It might if you have comprehensive coverage
comprehensive coverage
comprehensive coverage
comprehensive coverage
Comprehensive car insurance can be cheap by having a higher deductible, getting any available discounts from your insurance carrier, or having a lower amount of coverage. You can also have cheap comprehensive insurance by having a less expensive car.
you need to have Comprehensive coverage on your policy.
Comprehensive coverage does not apply to the driving of a car. It should be covered.
For comprehensive coverage, you should expect to pay around $850 in Georgia. This is about the average rate in the U.S.
Car insurance covers many parts including collision, liability and comprehensive. If your car is paid for you may not be required to have comprehensive coverage.Comprehensive coverage is for non-collisionincidents such as a fire, earthquake, a hail storm and theft. If your car is destroyed in a storm or it is stolen, then you will have to absorb the loss.Motorists should have comprehensive coverage as well as other minimum coverage to protect themselves, their passengers and other drivers.
Comprehensive motor insurance usually covers bodily harm or damage caused by an accident. The comprehensive insurance also cover the liability of the car damages in regards to collision coverage. When deciding on collision coverage, it is important to consider the age of the vehicle to determine if comprehensive or full coverage is needed on the vehicle or if collision insurance would be the appropriate choice.
Comprehensive physical damage coverage
State farm offers many kinds of car insurance coverage. They offer comprehensive insurance, liability insurance, personal injury coverage, uninsured and underinsured motorist coverage,as well as rental reimbursement and Emergency Road service.