Having comprehensive car insurance is generally worth the investment if your vehicle has a high market value, you rely on it for daily income, or you would struggle to replace it out of pocket after a severe accident or theft. While it costs more than third-party cover, comprehensive policies protect your personal asset from total write-offs, storms, and vandalism. However, if you drive an older car worth less than 2,000 dollars, the annual premium may outweigh the car's actual replacement value.
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