Comprehensive car insurance is always a good idea especially if you live in regions that are prone to natural disasters. For example, residents of New Orleans had to suffer extreme financial losses because of the damages they suffered to their cars and their homes during Hurricane Katrina. But those who had comprehensive car insurance had their damages reimbursed by the insurance agency. Comprehensive car insurance is highly recommended for people that purchase new cars. A new car is more prone to getting stolen or damaged due to vandalism. Therefore, it is a good idea to get comprehensive car insurance on your new vehicles. Also, it can protect from all other scenarios except collision. That is why it is called comprehensive. The rates of the comprehensive car insurance you decide to take out for your vehicle will be governed by the kind of car you own and your past driving history.