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Damages can quickly add up if you are in serious accident. Is Comprehensive Car Insurance Worth the Extra Cost?The best comprehensive car insurance really depends on the value of your vehicle. If you are driving an older, low value car, then comprehensive is probably a waste of money. In many cases, the cost of the premiums will exceed the value of the car. Comprehensive insurance covers you in the event that your car is damaged from incidents other than an accident. An example would be flooding or a fire that destroyed the vehicle.