It's no secret that auto insurance is a necessary evil. Not many people want to pay for something they think they'll never use. But the fact of the matter is, accidents happen every day, and you need to be prepared.

So, when should you consider getting a comprehensive car insurance policy?

When You Have a New Car 

When you buy a new car, you want to protect your investment. The best way is to get comprehensive auto insurance. That way, if something happens to your new car, you're covered.

Comprehensive insurance covers damages to your car that result from something other than a collision, such as weather, theft, or vandalism. It also covers glass breakage, which is not usually covered by standard insurance policies.

In short, comprehensive insurance gives you peace of mind knowing that your car is protected against a wide range of potential risks. And if you do have a claim, most policies have a low deductible, so you won't have to pay much out of pocket.

Some auto insurance companies might also require you to get comprehensive auto insurance if your car is newer than a certain year. So, check with your auto insurance company to see what their requirements are.

When You Have a Loan on Your Car

If you have a loan on your car, your lender will require you to have comprehensive auto insurance. The lender wants to make sure their investment is protected in case something happens to your car.

If you don't have comprehensive auto insurance and something happens, the lender will still come after you for the money you owe on the loan. So, it's in your best interest to get comprehensive auto insurance if you're still making payments on your car.

In addition, most auto insurance companies require you to have comprehensive auto insurance if you have a loan on your car. So, even if your lender doesn't require it, you may still need to get it. Check with your auto insurance company and lender to see what their requirements are.

If You Drive in a High-Risk Area 

If you live in an area that's prone to flooding, hail, or other types of weather damage, you may want to consider comprehensive auto insurance. That way, if something happens to your car due to bad weather, you're covered.

Such risks are often unpredictable, so it's always better to be safe than sorry. If you're not sure if your area is considered high-risk, check with your auto insurance company.

Some auto insurance companies also offer discounts for drivers who live in high-risk areas and have comprehensive auto insurance. So, it's worth checking with your auto insurance company to see if you also qualify for a discount.