There are different kinds of auto insurance that are offered out there. Those who are looking for insurance for the first time may find it hard and confusing. It’s a good idea to learn more about the different kinds of insurance policies, before thinking of applying for car insurance. This article will talk a little about the comprehensive auto insurance.Basically, the comprehensive insurance provides security for your car in case of physical damage. Some say that this policy is the best form of auto insurance. Let’s take a close look and see what ‘physical damage’ really refers to.Let’s say you meet an accident. You bump your car into a wall or a tree. If you have comprehensive auto insurance, then there’s no need to worry because the policy states that you will be paid back in full, depending on your vehicle’s damage.How about colliding with another car? With the comprehensive auto insurance, the owner of the damaged car will be paid in full.One of the worst things that can happen to you is to have you car stolen. However, with the policy states that if your car is stolen, you will be completely reimbursed. Take not that not all insurance policies protect their policy holders from theft.The comprehensive insurance will also protect your car from natural calamities. This means that you car will be protected from damage cause by tornadoes, storms, hurricanes, earthquakes, landslides, and the like.It’s also hard to tell when a moose or bear will go feral and unleash their fury on your car. The damages that some animals cause are real huge. Thankfully, the comprehensive insurance states that in case your vehicle is damaged by animal attacks, you will be reimbursed.Another unfortunate thing that can happen to you vehicle is to have it caught in a fire. If you are still able to rescue your vehicle from the fire, it’s perfectly fine because fires are still covered by the policy. Vandalism is also covered by the policy. If you car is smashed, slashed, spray painted or battered, you will still be reimbursed according to the policy.The comprehensive auto insurance does cover a lot. However, there are also some occurrences that are not covered by the policy. If you meet an accident because you are drunk, then you won’t be reimbursed. Also, if you don’t have a legal license and you meet an accident, you won’t be reimbursed, as well. Tire damage cannot be reimbursed, unless the car is damaged, too. Mechanical breakdown, and tire wear and tear are not covered by the policy, too.You should also know that comprehensive auto insurance is a bit costly as compared to other insurance policies, which is why it’s a good idea to do some research before picking a policy provider. Some providers provide better deals than others. Plus, it’s very easy to check out the different providers on the internet. In fact, you can ask quotes from these providers online. Try checking out a few of these providers and compare and contrast their policies from each other, before choosing.So how do these providers determine how much you are going to pay for the insurance? Like other policies, it will be determined by how old you are, the price of the car, the driver’s record, how far and where will the car be driven.The comprehensive auto insurance is, indeed, one of the best policies that you can get out there. It may be a bit costly, but it has much to offer as compared to other policies.