|Posted on August 19, 2012 at 4:20 AM|
Autumn is just around the corner, and with Autumn comes a big spike in the amount of deer that wonder onto our roads and highways. This is especially true in the six states that I represent (OH,MI,IN,PA,VA & WV), where comprehensive claims involving vehicles hitting deer takes a big hit in the fall months.
If you own an older vehicle, you may have decided at some point that it's no longer worth carrying comprehensive and collision coverage because the value of the vehicle minus the deductible isn't worth the premium it costs. However, did you know that you can carry comprehensive coverage on its own without collision for about $10 a month?
That's right! Most companies will allow you to select comprehensive coverage without selecting collision coverage (although most companies will not allow you to do vice versa). The thing is, comprehensive usually cost much less than collision coverage. In fact, comprehensive coverage on most older vehicles typically run in the $10 per month range for most circumstances.
Many of my clients go only with liability and medical coverages throughout most of the year, but add comprehensive coverage during September through December. Why? Those months have the highest number of claims involving hitting deer (with November being the peak month). Many people feel that is worth the $10ish dollars a month to protect them from Bambi in the fall months.
And of course, adding comprehensive coverage isn't limited to hitting deer. All the other stuff is included as well: theft, fire, vandalism, hail, etc. But the threat of hitting deer has become so bad in my area states that many people it's well worth it. You may feel that way also, now that you know it's not going to cost you an arm and a leg as you may have previously thought.