Comprehensive Car Insurance Coverage Seattle Washington

Reader’s Question:

Is a comprehensive insurance coverage more advisable than a third party liability? I’ve talked to quite a few car insurance agents here in Seattle, Washington, and they just fogged up my mind.

Linda

Seattle, WA

Hi there Linda of Seattle, Washington. That’s a very nice question. And quite difficult to answer, too. As we all know, the best option will always be the one that suits your needs the most. So, before making up your mind on what to purchase between a comprehensive insurance and a third party liability, try to weigh the pros and cons of both types first and consider your financial capacity. Because admittedly, getting a third party liability kind of auto insurance is the cheapest and most economical way to go if you are a bit strapped for cash but still would like to have reasonable coverage for your car. However, when it comes to the argument of which one is better, well then definitely, a comprehensive auto insurance, as the term already denotes, has the better coverage than the latter. Most important of all, it not just covers the damages the policy owner could do to another person, to himself or herself, and to his or her passengers, it also covers the cost of property damage, the repair and replacement of the car and everything inside it in the event that the vehicle gets lost or damaged due to vandalism, theft, tornadoes, floods, earthquakes, etc. To sum it up, if your car is brand-new, I would say the best option for you right now is a comprehensive car insurance.